SARON mortgage

Q: How high is my SARON interest rate?

The interest rate is adapted to the daily development of SARON and is calculated at the time of settlement on the compounded SARON plus margin. If you have found your dream home and need an up-to-date interest rate, contact a client advisor to get a personalized offer.

Q: What are the conditions?

Interest rate: Market-oriented Term: Unlimited Interest risk: Daily interest rate fluctuations are possible SARON Mortgage factsheet SARON Flex Mortgage factsheet

Q: Who is a SARON Mortgage suitable for?

SARON Mortgages are suitable for people who actively follow events on the money and capital markets, and can tolerate interest rate fluctuations.

The right choice when you want to finance your home based on a market-oriented interest rate.

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Advantages of a SARON Mortgage

Variable

Your interest rate adjusts with the market and is always up to date.

Unlimited term

Negotiate the conditions once and benefit long term.

Flexible

Easily convert to a Fixed-rate Mortgage in just one month.

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SARON Mortgage

Advantages at a glance

Unlimited term
Transparent, market-oriented interest rate throughout term
You can switch to a Fixed-rate Mortgage at any time
13-month termination notice period if you decide to pay off your mortgage
Regular repayments can be arranged in your contract

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How the SARON Mortgage works

Which mortgage strategy is right for me?

FAQ

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How high is my SARON interest rate?

What is SARON and how is it calculated?

The SARON (Swiss Average Rate Overnight) was created in 2009 and is calculated daily on the basis of completed transactions and binding quotes (buy and sell prices) in the Swiss money market. To prevent you as a client from having to pay interest every day, we offer three-month interest rate calculation periods. SIX (the benchmark administrator) offers the Compounded SARON reference interest rate to determine the interest rate to be paid at the end of a calculation period.

This rate is derived for a given period from the average of the daily-compounded SARON interest rates. The calculation method was developed by SIX Group Ltd (SIX) in association with the Swiss National Bank (SNB). The SARON is publicly visible, transparent and is calculated and published by SIX daily after the close of trading. SIX, which maintains the infrastructure for the Swiss financial center, calculates and publishes the rate each day immediately after close of trade (6:00 p.m. UTC).

What are the conditions?

Who is a SARON Mortgage suitable for?

How can I minimize my interest risk with SARON?

A SARON Mortgage closely tracks changes in the money market. This is welcome in times of falling interest rates, but not desirable when rates are rising. You can protect yourself against rising interest rates by converting some or all of a SARON Mortgage into a multi-year Fixed-rate Mortgage. With a Fixed-rate Mortgage, you set the interest rate for the entire term of the mortgage.

By combining several mortgages with different terms, you minimize the risk of having to renew the entire mortgage all at once when interest rates have changed unfavorably.

We recommend regularly reviewing your mortgage strategy with your client advisor.

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Special offer on mortgages

Benefit from an interest rate reduction of 0.30% on your first home with UBS

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Enjoy attractive interest conditions for your renovation and 0.30% eco-bonus for energy-efficient construction measures.

Planning to renovate?

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

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SARON mortgage