Financing the purchase of your own house or apartment constitutes a substantial long-term investment. If you want to be able to enjoy your own home with peace of mind in the future, too, then finding the right mix of short- and long-term mortgages is essential. Your personal mortgage profile and our financial expertise provide the basis for doing just that.
Find out how we can establish the right mortgage mix for you in an advisory consultation:
- Define mortgage profile: Which profile is right for you?
- Consider current level of interest and interest rate trends: What is the current state of the market?
- Establish mortgage mix: Which financing plan is right for you?
- Receive financing proposal: How do you go about getting an individualized offer?
The three mortgage profiles:
|Profile / Criteria||Risk tolerance||Financial flexibility||Interest/knowledge|
|Stable||I want to know what I'm paying.||I work to a tight budget.||I take a passive interest in interest rate trends.|
|Balanced||I can accept moderate interest rate volatility.||I can afford a certain amount of interest rate fluctuation.||I take a passive interest in interest rate trends.|
|Market-oriented||I can also accept higher interest rate volatility in the short term.||I have enough of a cushion to cope with interest rate fluctuations.||I take an active interest in interest rate trends.|
The experts at UBS conduct intricate analyses of the market. This allows us to assess current interest rates and interest rate trends. Because buying your own home involves planning for the long term, the expertise we possess at UBS is of great benefit to you.
Here you can find our forecasts for interest rate trends as well as product recommendations, which are updated on a monthly basis by our specialists.
3. Establish mortgage mix
In the next step, we establish your mortgage mix. This is based on your mortgage profile, the current level of interest and anticipated interest rate trends.
The result is usually a combination of mortgages with varying maturities and interest rates that best suit you and your objectives.
The following examples demonstrate how we go about structuring your mortgage mix and how our expertise supports you in making your decision.
4. Receive financing proposal
We will be happy to provide you with a consultation where we can draw up an individualized financing proposal for you at attractive rates of interest. When it comes to financing the purchase of your own home, it is not only about securing the lowest interest rate currently available. The key is to find a sustainable solution which will also remain affordable in the future. Our experience has shown us that sound planning pays off.
We can help you to find the right balance between what you are looking for, your financial circumstances and the current interest rate environment. We would be happy to arrange a non-binding consultation with you.
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