Mortgages

Find the right mortgage and find out all you need to know about reliable financing of investment properties.

Aligned with your interest rate expectations
Even in a dynamic interest rate environment, we provide you with options that ensure your company’s stability.
Change products flexibly
Our credit master agreement gives you the freedom to tailor financing to your specific needs and preferences.
Independent advice
Our experts will advise you personally and only recommend products that meet your requirements.

Finance real estate flexibly with the UBS Real Estate Financing credit master limit

With the credit master agreement UBS Real Estate Financing, you agree on a fixed loan amount. You can then use it flexibly to finance your property.

With the credit master agreement UBS Real Estate Financing, you can combine your entire real estate portfolio under a single master credit agreement. Various options for using credit give you maximum flexibility to cover your financing needs.

Once the credit documents have been signed and all the conditions for credit approval have been met, we will issue the credit limit, which will then be at your disposal.

If you want to use the credit as quickly and flexibly as possible, choose overdraft usage, fixed advances or floating rate loans with short terms. Fixed-rate loans are recommended if you prefer long-term, fixed-interest forms of financing.

You determine the financing structure of your real estate portfolio. The following uses are permitted within the master credit agreement:

UBS Current Account
UBS Fixed Advance with terms from 1–12 months
UBS Floating Rate Loan
UBS Fixed-Rate Loan with terms of 1–10 years
UBS Security Deposits for the issue of bank guarantees

Currency: Only in CHF

Loan interest rate: Depending on the form of credit used, interest rate upon request

Fees and commissions:
Current account: On application
Other usage forms: None

Duration: Limit indefinite, usage individual

Ordinary termination: Mutual termination at any time

What you should know

You have one overall financing which can be used and structured flexibly (framework credit agreement) instead of several individual financings per property
Funds freely available within the agreed credit master agreement
Individual adjustment of the limit possible for the purchase and sale of real estate

Overview of our financing options

UBS Floating Rate Loan
Currency/reference interest rate: CHF, USD, GBP, EUR, JPY
Interest rate: Variable, fixed 1 day before expiration of the quarterly interest period
Credit commission: None
Duration: Unlimited
Amortizations: Possible within the framework of the contractual agreements without incurring costs
Termination: Notice period of 30 days for both contracting parties
You benefit from transparent interest rates in line with the market, as the UBS Floating Rate Loan is based on the development of the money market of the corresponding currency. The loan has a short capital and interest commitment, which gives you great flexibility.
Factsheet UBS Floating Rate Loan
UBS Fixed Advance
Currency: In CHF and all common foreign currencies
Interest rate: Fixed for the entire term, interest rate on application
Credit commission: None
Duration: 1 to 12 months
Amortizations: Determined after consolidation
Ordinary termination: Expires at the end of the agreed term without requiring termination
A UBS Fixed Advance offers you a temporary additional liquidity reserve. The fixed advance expires at the end of the agreed term. This is particularly interesting if you want to increase your entrepreneurial flexibility.
Factsheet UBS Fixed Advance
UBS Fixed-Rate Mortgage
Currency: In CHF
Interest rate: Fixed for the entire term, interest rate on application
Credit commission: None
Duration: 1 to 7 years, longer terms available upon request
Amortizations: Possible within the framework of the contractual agreements without incurring costs
Ordinary termination: Expires at the end of the agreed term without requiring termination
* Not available in Credit Master Agreement UBS Real Estate
With a UBS Fixed-Rate Mortgage, we fix the capital, term and interest rate long term. This gives you a clear basis for calculation. Fixed-rate mortgages are especially worthwhile if you expect interest rates to rise.
Factsheet UBS Fixed-Rate Mortgage
UBS SARON Flex Mortgage
Currency: In CHF
Interest rate: Variable
Duration: Unlimited
Interest rate risk: Interest rates fluctuate during the term of the contract
Reference interest rate: Based on the Compounded Swiss Average Rate Overnight (SARON)
Settlement period: 3 months, starts at the end of the quarter
Ordinary termination: Notice period of 1 month for the client and 13 months for the bank
* Not available in Credit Master Agreement UBS Real Estate
With the UBS SARON Flex Mortgage, you benefit from open-ended, flexible and market-oriented financing with particularly attractive interest rates. It is suitable for clients who actively follow what’s happening on the money and capital markets and expect interest rates to fall or trend sideways.
Factsheet UBS SARON Flex Mortgage