Building financing

Flexible financing of new construction or remodeling projects

When you take out a building loan, a building account is set up for you which is used for settling the running costs of your construction project - for example, payments to architects, construction companies and tradesmen.

Building financing at a glance



Interest rate

Depending on the type of use


For new construction, remodeling or renovation projects

Depending on whether you're planning a new building or to remodel or renovate an existing one, you can finance your project with a building loan or mortgage. Whichever option you choose, your invoices from architects, construction companies and craftsmen will be settled via a building account.

Building loan

If you opt for a loan, you'll receive the money as a variable-rate loan on your building account. Once the construction work has been completed, the outstanding loan is converted into a mortgage.


If you opt to finance your project with a mortgage, you can choose between having the full amount paid over to you at the start of construction or in staggered disbursements while construction is still ongoing.
The advantage of a mortgage compared to a loan is a lower interest rate. Mortgage disbursements are also credited directly to your building account.

Our tip: a fixed-rate mortgage safeguards you against rising interest rates.

Payments to architects, construction companies and craftsmen are settled through your building account. You can access this account conveniently and quickly via E-Banking and keep an eye on your costs at all times.

Term: indefinite
Interest rate: depending on whether you take a loan or a mortgage

Our new video consultation

  • Personal advice from experienced mortgage advisors
  • You receive an individual offer and, on request, a mortgage decision within 24 hours
  • From the comfort of your home or your place of work
  • Our advisors are here for you:
    Monday to Thursday: 8:00 a.m. – 8:00 p.m.
    Friday: 8:00 a.m. – 5:30 p.m.

Expect more from a UBS mortgage consultation

Attractive interest rates

You will receive a financing solution tailored to your individual needs at attractive conditions.

Always at your side

Your personal mortgage advisor will guide you from the property viewing to signing the mortgage – and beyond.

Price check

We estimate the market price of your property and compare it against reference properties.

We keep things simple

We can find solutions, even for complex financing, whether it's a house or vacation home.

Flexible video consultation

From the comfort of your home or office: our advisors are here for you, also evenings until 8:00 p.m.

Fast credit decision

If it is urgent, you can ask to receive a credit decision within 24 hours.

We're here for you when you need us

Make an appointment for a non-binding consultation or call us directly if you have questions.