Use a flexible mortgage overdraft facility

Q: What are the conditions for self-occupied real estate?

Interest rate: can be adjusted to market conditions at any time Contract term: indefinite (may be canceled by either side at any time) Amount: CHF 25,000 to CHF 200,000 (depending on the market value of the property) Interest risk: the interest rate may fluctuate Coverage: backed by the mortgage on your home Factsheet Mortgage overdraft facility for residential property

Q: What are the conditions for investment properties?

Interest rate: can be adjusted to market conditions at any time Contract term: indefinite (may be canceled by either side at any time) Amount: CHF 100,000 to CHF 500,000 (depending on the market value of the property) Interest risk: Interest rate fluctuations are possible Coverage: secured by the mortgage on your investment property (multi-family homes rented to third parties or office or business premises) Factsheet Mortgage overdraft facility for investment property

Q: What are the requirements?

You have a mortgage with UBS You cannot pledge or make early withdrawals from your occupational pension ( pillar 2 ) or restricted pension assets ( pillar 3a ). Affordability and loan-to-value ratio comply with UBS norms

Q: Who is a mortgage overdraft facility suitable for?

The mortgage overdraft facility is for anyone who wants to use a flexible credit line for extensions, maintenance or purchases. It is primarily a readily available reserve. However, if you need more capital over a longer period, a mortgage is usually the better and more affordable option.

Q: What are the conditions for self-occupied real estate?

Interest rate: can be adjusted to market conditions at any time Contract term: indefinite (may be canceled by either side at any time) Amount: CHF 25,000 to CHF 200,000 (depending on the market value of the property) Interest risk: the interest rate may fluctuate Coverage: backed by the mortgage on your home Factsheet Mortgage overdraft facility for residential property

Q: What are the conditions for investment properties?

Interest rate: can be adjusted to market conditions at any time Contract term: indefinite (may be canceled by either side at any time) Amount: CHF 100,000 to CHF 500,000 (depending on the market value of the property) Interest risk: Interest rate fluctuations are possible Coverage: secured by the mortgage on your investment property (multi-family homes rented to third parties or office or business premises) Factsheet Mortgage overdraft facility for investment property

Q: What are the requirements?

You have a mortgage with UBS You cannot pledge or make early withdrawals from your occupational pension ( pillar 2 ) or restricted pension assets ( pillar 3a ). Affordability and loan-to-value ratio comply with UBS norms

Q: Who is a mortgage overdraft facility suitable for?

The mortgage overdraft facility is for anyone who wants to use a flexible credit line for extensions, maintenance or purchases. It is primarily a readily available reserve. However, if you need more capital over a longer period, a mortgage is usually the better and more affordable option.

Your benefits with the Mortgage Overdraft Facility

Always available
A rapid credit facility means you are in a strong position in the event of unexpected purchases.
Freely selectable
You decide how much of the agreed credit line to use and when to repay it.
Flexible
A washing machine, kitchen renovation or new drapes – you decide how to use the credit.

All the benefits at a glance

Indefinite term
No restrictions on use
Interest rate can be adjusted to market conditions at any time
Conversion to other mortgage products possible at any time
Contract can be canceled by either side in full or in part at any time
The credit line may be used up to the agreed limit and repaid – no consultation required

Personalized advice
Fast turnaround times for financial confirmations
You decide on how you would like to receive expert advice - whether by video call from home or in one of our branches

Make an appointment

Questions about mortgages? Call us on 0800 002 559

You ask, we answer

What are the conditions for self-occupied real estate?

What are the conditions for investment properties?

Interest rate: can be adjusted to market conditions at any time
Contract term: indefinite (may be canceled by either side at any time)
Amount: CHF 100,000 to CHF 500,000 (depending on the market value of the property)
Interest risk: Interest rate fluctuations are possible
Coverage: secured by the mortgage on your investment property (multi-family homes rented to third parties or office or business premises)

Factsheet Mortgage overdraft facility for investment property