bonus.ch review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

bonus.ch is the value pick for Swiss buyers and remortgagers who can handle a short fixed period, with FINMA oversight in Switzerland. The starting rate is the reason to look here: an initial rate of 1.5% sits below every alternative on this page.

Key facts

Best for
A cheap Swiss mortgage starter who can take a short fixed period.
Initial rate
1.5% (Source, checked September 26, 2026)
Fixed period
3 years (Source, checked September 26, 2026)
Product fee
CHF 0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Legal entity
bonus.ch SA (Source, checked September 26, 2026)
Headquarters
Switzerland (Source, checked September 26, 2026)
Founded
2004 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Official website
bonus.ch

Apps and profiles

Elsewhere
LinkedInXfacebook.com

Pros and cons

Pros

  • An initial rate of 1.5% against Sofkredit at 8% to 14% and Creditilia ES at 4%
  • A product fee of CHF 0 on the mortgages it places, which cover purchase and remortgage
  • FINMA oversight in Switzerland under licence F01435140
  • Operating since 2004 as bonus.ch SA, based in Switzerland

Cons

  • The fixed period is 3, well under the site median of 6.5, so the low rate runs out quickly
  • Contact runs on email and phone only, while chat reaches 33.1% of listings site-wide

Ready to try bonus.ch?

Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Swiss buyers who want the lowest starting rate on the table and can accept 3 of certainty
  • Borrowers remortgaging rather than buying, since its stated purposes are purchase and remortgage
  • Applicants who want a supervised intermediary, with a FINMA licence F01435140 and contact by email and phone

Who should look elsewhere

  • Not for anyone who needs a longer fixed period than 3: Sofkredit at 8% to 14% and Creditilia ES at 4% cost more to start, so the trade is term length against start-up price
  • Not for people who want chat or a help centre, since contact runs on email and phone only, so Sofkredit and Creditilia ES are the alternatives to check for wider access

How it compares on our data

On rate, bonus.ch ranks 13 of 297 brands in the mortgage ranking, which puts it near the front. On the fixed period it sits at 186 of 259, well down the list, so the deal is cheap to start and short to hold.

How bonus.ch compares

Where bonus.ch is available

Available
Switzerland
Licence in Switzerland
FINMA (F01435140), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What initial rate does bonus.ch offer on a mortgage?+

The listed initial rate is 1.5%, fixed for 3. That sits under the site median initial rate of 4.35% and well under Sofkredit at 8% to 14%. Buying or refinancing, the same figure applies, since its purposes are purchase and remortgage.

Is there a product fee on a bonus.ch mortgage?+

The product fee is CHF 0 on the mortgages it places, which cover purchase and remortgage. In practice the headline rate is the main thing to check, because the low starting figure only holds for 3.

Is bonus.ch regulated?+

It runs under a FINMA licence, F01435140, through the legal entity bonus.ch SA in Switzerland. Anyone comparing mortgage intermediaries should check the licence before handing over documents, since Swiss mortgage advice sits with supervised firms.

How long has bonus.ch been trading?+

It has operated since 2004 and works as bonus.ch SA, with its base in Switzerland. Support runs on email and phone, so an application question can go to a person by phone or in writing.

Can bonus.ch help with a remortgage as well as a purchase?+

Yes. Its stated purposes are purchase and remortgage, so buying and refinancing both sit within scope. On a remortgage the same initial rate of 1.5% applies, fixed for 3. Contact on either route runs on email and phone.

How does the rate compare with the rest of the market?+

The site median initial rate is 4.35%, and the mortgage ranking median is 4.49%. An initial rate of 1.5% sits below both, which is where the cost case comes from. A fixed period of 3 shapes what comes next.

Why is the fixed period shorter than most listings?+

The fixed period is 3, against a site median of 6.5 years. That is the trade: a low starting rate, then a reset sooner than most, so plan for a higher rate afterwards.

Is bonus.ch cheaper to start than Sofkredit and Creditilia ES?+

On the starting rate, yes: 1.5% against 8% to 14% at Sofkredit and 4% at Creditilia ES. Prestalo sits at 2.36%, the closest rival on price, and the gap narrows once the rate resets.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APRC, Maximum loan to value.

Related by the facts

bonus.ch

A cheap Swiss mortgage starter who can take a short fixed period.

9.0/10See alternatives

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