No. 1 in mortgages: Guides, tips and calculator

Q: How much interest will I pay?

It depends! The interest varies based on the mortgage term or chosen mortgage solution. When you have found our dream home and are preparing to make an offer, our client advisors will be happy to find the right solution for you.

Q: Which mortgage type suits the current interest rate environment?

Interest rates are currently volatile and trending upwards. But as always, finding the right mortgage solution means taking into account your risk tolerance and long-term plans. When you’re ready to choose a mortgage, your client advisor will take you through the process step by step.

Q: Can I use my retirement capital to buy a property?

Money from your pension fund and pillar 3a may only be withdrawn in advance to buy or convert a home you will occupy yourself. You can fund up to 10% of the property value from your occupational pension fund – half of the required equity amount. You can use pillar 3a to finance the remaining 10%. Additionally, you can withdraw or pledge equity from your occupational and private pension funds.

Realize your dream of owning a home with UBS

Find a home

By your side – wherever you are in Switzerland

As one of Switzerland’s largest mortgage providers, we’re here to help you. With branches in all regions of Switzerland, we know the local market and are ready to support you right from the start.

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Calculate budget

What can I afford?

Buying a home means finding the right balance between dream and affordability. Use our calculators to get an idea of your ideal price range – and if you have any questions, we’re always here to assist you in person.

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Extend mortgage

What options do I have to extend my mortgage?

As soon as your mortgage nears the end of its term, you need to think about extending it. Take the opportunity to adjust your existing financing to your current situation in life.

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More about extend your mortgage

Switch your mortgage to UBS

Would you like to switch your mortgage to UBS?

Receive a non-binding offer for a mortgage with UBS online in just a few clicks or make an appointment with our mortgage experts in your region.

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Home renovation

You want to renovate your home?

We’re here to help you develop and implement your restoration or renovation project. Use our renovation calculator by entering a few details to calculate the estimated CO₂ emissions and energy requirements of your property. Find out which renovations will make your home even more energy efficient and benefit from attractive offer for mortgages.

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Mortgage offers

Now with triple bonus: free banking package for 12 months, preferential insurance coverage and budget planner with attractive interest rates

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Which mortgage strategy is right for me?

Get expert advice on your personal situation

Our advisers look forward to hearing from you.

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Questions about mortgages? Call us on 0800 002 559

Find your ideal mortgage solution

Fixed mortgage
Interest rate stays the same for ultra stability
Durations from 2 to 10 years for added flexibility
Limited terms so you can rethink your strategy
More about the offer
SARON mortgage
Flexible interest rate changes with the market
Unlimited term
Switch into Fixed-rate at any time to lock in your rate
More about the offer
Building financing
Start with a loan or a mortgage – whatever fits your needs
Unlimited term
We process construction payments for you
More about the offer

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Compare all mortgages in detail

What can I really afford?

The mortgage calculator is a quick and easy way to see what you can afford.

Purchase price calculator

Easily find out the maximum amount you can afford to spend

Change mortgage and relax

Repaying your mortgage is easier than you think: Find the best mortgage now online or in a personal conversation.

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FAQ

You have questions, we have answers

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How much interest will I pay?

What counts as equity?

You must finance at least 20% of the value of the real estate with your own equity. No more than 10% of this equity can come from your occupational pension. Assuming a property costs CHF 800,000, you would need to finance CHF 160,000 from your own funds.

Equity can come from many different sources, including:

Money in your private and savings accounts
Interest-free loans from parents or relatives
Advance inheritance and gifts
Securities
Unencumbered building land
Funds from pillars 2 and 3

What’s next for mortgage interest rates?

Our interest rate forecast gives you information each month on current interest rates and interest rate trends – free of charge by email.

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Further guidance on mortgages

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Make an appointment for a non-binding consultation or call us directly if you have questions.