Extend your mortgage

Q: Will my interest rate change?

That is all very individual. Interest rates vary depending on the term and mortgage. Our advisors will be happy to put together an up-to-date offer based on your personal situation. Factors that influence interest rates are the situation on the market, the term and your financial circumstances. Contact client advisor

Q: How can I protect myself against rising interest rates?

The best way to protect yourself against rising interest rates is to split the total financing into different mortgage tranches with different contractual terms. Subscribe to our interest rate forecast to keep up with the current level of interest rates. Subscribe to interest rate forecast

Q: Can I lock in the interest rate in advance?

You can set the interest rate up to 12 months before you need the mortgage. This is particularly helpful if you are concerned about rising interest rates. The interest rate is set and the mortgage is obtained at different times.

Q: Who can I talk to about important questions regarding renovations, building loans or conversions?

Discuss your renovation or construction project with your advisor. In a non-binding consultation, you will find out which renovations have a positive effect on the value of your property, how you can save CO 2 , and how you can benefit from offers by our partner network as well as from attractiveinterest rates. More about UBS special offers

Do you already have your mortgage with UBS?

Lock in attractive interest rates
Lock in interest rates now up to 12 months in advance.
Convenient extension
Short and sweet on the phone or during a personal consultation – tailored to your needs.
Finance a renovation
We can also advise you on financing a renovation or conversion.

Extend your financing in just three steps:

01
Contact your client advisor
Arrange a non-binding consultation with your client advisor.
02
Choose your mortgage
Together, we can find the right mortgage to match your current situation in life.
03
Receive a non-binding offer
Get a non-binding interest rate offer.

Expert advice tailored to your situation

Contact your client advisor directly via e-banking
Receive an individual interest rate offer
Get advice – by phone, video or on site at a branch

Make an appointment via E-Banking

No E-Banking? Schedule a callback

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. Consider whether you want to extend it one-to-one or make some adjustments; for example, to finance a renovation or to benefit from the interest rate environment.

Extend your mortgage 1:1

If your situation has not changed, you can simply extend your mortgage at the current conditions.

Increase your mortgage

Are you planning to change the structure of your home or do you need additional funds for a much needed renovation? Increasing your mortgage gives you the leeway you need. Our experts will be happy to advise you.

Adjust your mortgage

Life circumstances change, and so does the interest rate environment. We will find a suitable mortgage strategy. Switch to a different mortgage model or split your mortgage between different products and terms.

FAQ

Where can I view and extend the term of my mortgage?

Every mortgage has a fixed term. Check your loan agreement to see when your mortgage (or tranche) expires. Your advisor will contact you a few months in advance. This is an opportunity for you to think about how you would like to continue your financing. We will help you to answer the following questions:

What does my current and future life situation look like?
What is the current interest rate environment?
Which mortgage is right for me?

Will my interest rate change?

How can I protect myself against rising interest rates?

Can I lock in the interest rate in advance?

Who can I talk to about important questions regarding renovations, building loans or conversions?

Useful tools for UBS mortgage clients:

How can I best protect my family?

With Zurich Immo-Protect, you can insure against the financial risks of death or incapacity to work.
You decide what risk you want to insure against and choose the amount of the lump-sum payment.
Our experts explain what really matters when it comes to protecting your family and partner.

Learn more