First Home special offer

Found your dream property? Benefit from a special offer and a 0.30% interest rate reduction for your first home.

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UBS Mortgage First Home at a glance

Residential property

Owner-occupied existing property or new construction (excluding vacation properties).

Interest rate reduction

0.30% throughout the entire mortgage term.

Mortgage

Three to ten-year fixed-rate mortgage with the interest rate fixed up to 12 months in advance.

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Questions about mortgages? Call us on 0800 002 559

FAQ

What does first home mean at UBS?

What is my interest rate?

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

More on equity

How can I protect myself against rising interest rates?

Can I fix the interest rate in advance?

How can I minimize my interest rate risk?

At the end of the term, the general interest rate level may be higher than when you took out your fixed-rate mortgage. In this case, you would have to take out follow-up financing at a higher interest rate.

To minimize this interest rate risk, it is therefore advantageous to split larger amounts into several mortgage tranches from the outset, for instance by dividing the total between two fixed-rate mortgages with different terms.

The UBS Mortgage First Home takes this into account. For amounts of CHF 500,000 or more, the total financing is divided into several tranches with different terms. The maximum amount for a UBS Mortgage First Home is CHF 1,000,000. Of course, you can also obtain attractive conditions from UBS for higher financing amounts. Our mortgage experts will be happy to provide you with an individual quote.

Factsheet UBS First Home