Bank WIR

Bank WIR is a cooperative based in Basel and operates in German, French, and Italian. For home financing, customers can choose between the fixed-rate mortgage, the SARON-based money-market mortgage, the variable mortgage, and the construction loan. The fixed-rate mortgage is available for terms of 2 to 10 years, plus 12 and 15 years, while the money-market mortgage runs on a fixed margin and can be taken out over three or five years.

The construction loan is based on a variable Swiss franc base rate, runs for a maximum of two years during the building phase, and only charges interest on the amount actually drawn, converting into a mortgage once construction is complete. For advice, the website lists phone, chat, email, and branch visits as options.