Mortgage mix.

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:

1. Define mortgage profile

We meet with you to analyze your financial circumstances, your risk tolerance and your interest in the financial markets. We use the results as the basis for defining your mortgage profile.

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 UBS mortgage profiles take into account the client's risk tolerance, financial circumstances and interest in the financial markets.

2. Consider current level of interest and 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. 

 

 

Interest rate trends in the real estate market during the last 24 years since 1989. 

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.

What to do next

Property and market
How is the value of the property I want calculated?
Mortgage mix
What is a borrower profile and how does it affect the mortgage mix?
Renovations
How much should I allow for renovation and conversion?

Tax considerations
How does buying a home affect my tax position?
Sale and bequest
What do I plan to do with my home?
Protect your partner
& family against risks
How do I look after my family?

Financing 50+
Can I afford my own home after I retire?

Savings target for
your own home
How can I meet my goal of of saving for my own home?
Financing rules
How do I finance my home?

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