UBS mortgage rates

Term
2 to 10 years

Amortization
Can be contractually agreed

Termination
Generally speaking, an early exit from a fixed-rate mortgage is only possible if the property is sold. In the event of early termination, an early repayment charge may apply. This may be in favour of or at the expense of the borrower. How high the early repayment charge is depends on three factors:

• How long is the remaining term of the mortgage?

• How high is the agreed interest rate?

• How high is the current interest rate?

Information

• Mortgage rate fixed for the entire term.

• Easy and precise budgeting of interest payments throughout the entire term.

• If mortgage rates rise, payments remain the same.

• Multiple tranches over different terms possible.

Term
Indefinite

Amortization
Can be contractually agreed. If you want to enjoy more flexibility, the Saron-Flex mortgage means extraordinary amortization is also possible once a quarter free of charge.

Cancellation
The notice period is 13 months; however, changing product is possible at any time within 10 days.

Information

• SIX calculates Saron mortgages on the basis of completed transactions in the Swiss money market.

• This information is publicly available on the SIX page.

• It is a transparent, market-oriented interest rate.

• You can switch to a fixed-rate mortgage at any time within 10 days.

• Interest settlement of three months.

Duration
Indefinite
For new-builds, conversions or renovations

Amount
Not specified

Amortization
You are released from amortization during construction. Amortizations will only accrue after construction is completed.

Termination
The termination conditions of the UBS fixed-rate mortgage or UBS Saron mortgage products apply.

Information

• You can use construction financing either as a building loan or as a mortgage.

• UBS processes all payments.

• The construction account gives you an overview of your payments during the entire construction phase.

• If you have your construction payments paid out directly as a UBS fixed-rate mortgage, you can be sure of consistent interest rates in the long term.

Term
Fixed-rate mortgage 3 to 10 years

Amount
Can be freely chosen (total financing higher than 500,000 francs is to be divided into several tranches with different terms if possible).

Conditions: 0.40% interest rate reduction over the entire repayment term.

Amortization
Can be contractually agreed

Termination
Depending on the choice of mortgage product

Information
Prerequisites:

• You are taking out financing with UBS for your energy-efficient real estate in Switzerland for the first time (applies to owner-occupied existing properties or new-builds, including holiday properties).

• A property is considered energy efficient if it has one of the following energy certificates: Minergie® or a Cantonal Energy Certificate for Buildings class A/B badge with date of issue within the last 10 years.

• The total financing of your property is with UBS.

• Financing is carried out within the framework of UBS’s customary standards for property financing.

• For new-builds, the definitive energy certificate must be submitted within two years of taking out the mortgage. Otherwise, the interest rate reduction of 0.40% will cease immediately.

Pros:

• Preferential interest rate for the entire repayment term.

• UBS “me” banking package 6 months free of charge.

Term
Fixed-rate mortgage 3 to 10 years

Amount
Freely selectable (total financing higher than 500,000 francs is divided into several tranches with different terms).

Conditions: 0.30% interest rate reduction over the entire repayment term.

Amortization
Can be contractually agreed

Termination
Depending on the choice of mortgage product

Information
Prerequisites:

• You are taking out financing on owner-occupied residential property at UBS for the first time (excluding holiday properties).

• The total financing of your property is with UBS.

• Financing is carried out within the framework of UBS’s customary standards for property financing.

• Your salary is transferred to a UBS account.

Pros:

• Preferential interest rate for the entire repayment term.

• UBS “me” banking package 6 months free of charge.

Term
Fixed-rate mortgage 2 to 10 years or Saron mortgage or Saron-Flex mortgage

Amount
Up to max. renovation costs of 250,000 francs

Conditions: 0.10% interest rate reduction over the entire repayment term for renovation work of any kind, additional interest rate reduction of 0.30% with eco bonus.

Amortization
Can be contractually agreed

Termination
Depending on the choice of mortgage product

Information

Conditions:

• The offer is valid once for owner-occupied or rented properties (including holiday properties).

• The total financing of your property is with UBS.

• Financing is carried out within the framework of UBS’s customary standards for property financing.

• You must submit a cost estimate to us in advance.

• Additional interest discount eco-bonus only for planned renovations that lead to a Minergie® certificate or Cantonal Energy Certificate for Buildings class A/B badge or for a renovation in which at least 50% of the renovation work is carried out as part of energy-related measures.

Pros:

• Preferential interest rate for the entire repayment term

Term
Fixed-rate mortgage 2 to 10 years

Amount
Financing amount from 25,000 francs
Conditions: preferential conditions in consultation with your customer advisor

Amortization
Can be contractually agreed

Termination
Depending on the choice of mortgage product

Information
Prerequisites:

• The offer is valid once for owner-occupied or rented properties (including holiday properties). It also applies to the replacement and installation of more energy-efficient heating as well as the installation of solar collectors or a photovoltaic system.

• The total financing of your property is with UBS.

• Financing is carried out within the framework of UBS’s customary standards for property financing.

• You must submit a cost estimate to us in advance.

Pros:

• Preferential interest rate for the entire repayment term.

• No administration fees.