Easily switch your mortgage

Find out about the notice period for your mortgage in good time. This can vary depending on the provider and type of mortgage.

As soon as you have found a suitable offer, we will initiate the cancelation for you in accordance with the existing contractual provisions.

Depending on whether you have taken out a fixed-rate mortgage, a SARON mortgage or a variable-rate mortgage with a bank, different rules apply when switching. In the case of existing fixed-rate mortgages, it usually only pays to switch after the end of the term. Otherwise, you may have to pay a high penalty fee or early repayment penalty. It is also possible to switch individual tranches with different terms to a new provider.

Variable-rate mortgages often have a shorter notice period of six months. In the case of SARON mortgages, there are different notice periods, depending on the provider.

In general, be sure to check the contractual conditions relating to cancelation. In the case of extraordinary cancelation, you or possibly the other party’s bank will have to pay compensation – depending on current interest rates.

Yes. With a fixed-rate mortgage, you can fix the interest rate up to 18 months in advance, depending on the offer.

No. However, in addition to the new loan agreements, an additional transaction account must be opened for the interest payment. This can easily be canceled with your current bank. Of course, there are some advantages to having a complete banking relationship with UBS.

Generally, we need information on your income/assets, real estate and current financing. We will be happy to advise you and provide a list of the required documents.

Arrange a non-binding consultation. Together, we can find the right mortgage to match your current situation in life and you will receive a non-binding interest rate offer.

Answer a few questions online about the mortgage you want, your property and your financial situation.

With just one inquiry, you get the most attractive offers from our providers within seconds. Transparent and easy to compare. Interested in an offer? We’ll send you the offer by email and you can arrange an advisory consultation, if you wish. From here, our experienced advisors take over and explain step by step what happens next.

There are many different mortgage offers, from many providers, with various interest rates and terms: it’s difficult to keep an overview.

Instead of the hassle of obtaining quotes, UBS key4 mortgages enables providers to come to you: by entering just a few details, you immediately get non-binding offers from different Swiss providers. Transparent, independent, personalized and, of course, free of charge. UBS key4 mortgages is operated by UBS Switzerland AG.

You can find more information UBS Key4 mortgages.

You answer a few quick questions online about the mortgage you’d like, your property and your financial situation.

With just one inquiry, you get the most attractive offers from our providers within seconds. Transparent and easy to compare. Interested in an offer? We will send you the offer by email and you can arrange an advisory consultation, if you wish. From here, our experienced advisors take over and explain step by step what happens next.

You can find more information UBS Key4 mortgages.