Fixed-rate mortgage benefits

Since both the interest rate and the term are fixed, you are safe from rising interest rates for years to come.

Flexible terms

Select a mortgage from 2 to 10 years or combine durations.

Attractive interest rates

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

Fix now, loan later

Fix the interest rate up to 12 months before you take out the mortgage.

Predictable expenses

Thanks to fixed-rate you can plan your mortgage and home budget years in advance. The total payment remains the same.

Personal mortgage advisor

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

What is my interest rate?

Your mortgage is as unique as your property. That is why we are happy to calculate the interest rate offer for you based on your personal circumstances – free of charge.

Receive a free personal consultation with mortgage experts including:

  • Property appraisal for your desired property
  • Interest rate proposal to learn how much you need to pay for your mortgage each month
  • Fast credit decision within 48 hours
  • Tips and support along the way in the bidding process and beyond

What are you looking to finance?

Dreaming about you own home? Want to buy a property to rent out? Check what purpose you can take out a mortgage for.

First home    

Benefit from a 0.30% interest rate reduction on your first home and rest assured that our mortgage experts are there for you.

Vacation home or investment property

Benefit from useful tools (Municipality Guide) and our extensive market knowledge in Switzerland.

Prolong your mortgage

If your mortgage is coming to an end, talk to us about extending your mortgage and renovation offerings.

Switch your mortgage to UBS

Save with attractive rates – we will assist you with the paperwork.

Is fixed-rate mortgage the right solution for me?

Special interest rate offers for first-time buyers and renovations

Looking to buy your first home?

Benefit from an interest rate reduction of 0.30% on your first home with the UBS Mortgage First Home - with free real estate appraisal included.

Planning to renovate?

If so, you can now benefit from particularly attractive interest rates and our eco-bonus with the UBS Mortgage Renovation.

Unsure what’s the right mortgage for you?

Receive a free advice or individual offer and, on request, a mortgage decision within 48 hours.

  • Personal advice from experienced mortgage advisors
  • From the comfort of your home or your place of work
  • Our advisors are here for you:
    Monday – Thursday: 08:00 a.m. – 08:00 p.m.
    Friday: 08:00 a.m. – 5:30 p.m.

How will interest rates evolve?

Receive our interest rate forecast regularly and free of charge by e-mail

Find out more about the current market situation, trends in mortgage interest rates and existing mortgage products.

Calculators

Good to know:

  • 20% of the purchase price should be financed with your own equity
  • The total monthly costs for your property should not exceed 33% of your gross income

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.