Mortgage products

Find the right mortgages for your financing needs.

Our mortgages at a glance

  • Fixed-rate mortgage

    • Interest rate: fixed for the full term
    • Term: 2 to 10 years
    • Interest rate adjustment: none during the defined term

    You value the planning certainty of a stable interest rate and want to protect yourself against rising interest rates.

    To the fixed-rate mortgage

  • SARON mortgage

    • Interest rate: variable, based on the Compounded SARON
    • Term: unlimited
    • Interest rate adjustment: in line with market developments 

    You enjoy financial flexibility and accept interest rate fluctuations in order to benefit immediately from interest rate cuts.

    To the SARON mortgage

  • Building loan

    • Interest rate: variable, 0.25% loan commission per quarter
    • Term: limited, maximum 2 years
    • Interest rate adjustment: in line with market developments 

    We define your credit line together. You can choose between building loan, SARON and fixed-rate mortgage. 

    To the building loan

  • Mortgage overdraft facility

    • Interest rate: variable
    • Term: open-ended, can be canceled by either side at any time
    • Interest rate adjustment: in line with market developments

    Flexible account with credit line for extensions, maintenance or other purchases for your home.

    To the mortgage overdraft facility
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Our mortgages for climate-friendly living

With our mortgages for climate-friendly living, you invest in a sustainable future. Discover how you can save on costs in the long term and reduce your CO2 footprint with energy-efficient construction methods.

Mortgage Green

Now you can get a 0.40% interest rate reduction for your energy-efficient property at UBS with one of the following energy certificates: Minergie®, GEAK® certificate classes A/B or HPE/THPE.

To the Green offer

Mortgage Energy

Enjoy attractive interest rate conditions when you replace your fossil fuel heating system with a more energy-efficient equivalent or install solar panels or a photovoltaic system.

To the Energy offer

Mortgage Renovation

A preferential interest rate for your renovation project and an additional eco-bonus of 0.30% if the construction work is to improve energy efficiency or leads to a Minergie® certificate or GEAK® certificate of class A or B.

To the Renovation offer

Other mortgage special offers

Do you want to protect yourself and your family, finance your first home or manage your property costs the smart way online? Discover the right offers.

Insure with Immo-Protect

Thanks to Zurich Immo-Protect, you and your family remain financially independent and are still able to meet your financial obligations.

To the Immo-Protect offer

First Home for your first property

A 0.30% interest rate reduction on your first home with UBS or for the repayment of an existing mortgage with another bank.

To the First Home offer

Manage costs with Immo-Smart

Choose one of three budget recommendations tailored to your personal needs for your real estate costs. Up to 0.60% interest right away.

To the Immo-Smart offer

Get expert advice on your personal situation

Our advisers look forward to hearing from you.

  • 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
Questions about mortgages? Call us on 0800 002 559