UBS Mortgage First Home at a glance

Residential property

Owner-occupied existing property or new construction (excluding vacation properties).

Interest rate reduction

0.30% throughout the entire mortgage term.


Three to ten-year fixed-rate mortgage with the interest rate fixed up to 12 months in advance.

Found your dream property?

Receive personal advice – from the comfort of your own home or workplace.

Talk to our experts and receive an individual offer

  • Interest rate reduction of 0.30% on your first home with UBS
  • Protect yourself early against rising interest rates and fix your fixed-rate mortgage up to one year in advance
  • Free real estate appraisal included

Frequently Asked Questions

You qualify for the special offer if you are an existing UBS client or a new client financing owner-occupied residential property through us for the first time.

The interest rate calculation depends on a variety of factors. Our mortgage experts will be happy to make you a personal offer taking into account the interest rate reduction of 0.30%.

A fixed-rate mortgage has a fixed interest rate and a fixed term. This way, you are guaranteed favorable interest rates for years.

While we’re on the subject of interest rates, would you like to keep up to date with interest rate trends? With the UBS interest rate forecast, we inform you regularly by email about the latest interest rate trends.

Yes. With the UBS Fixed-Rate Mortgage First Home, you can choose to fix the interest rate up to one year in advance.

At the end of the term, the general interest rate level may be higher than when you took out your fixed-rate mortgage. In this case, you would have to take out follow-up financing at a higher interest rate.

To minimize this interest rate risk, it is therefore advantageous to split larger amounts into several mortgage tranches from the outset, for instance by dividing the total between two fixed-rate mortgages with different terms.

The UBS Mortgage First Home takes this into account. For amounts of CHF 500,000 or more, the total financing is divided into several tranches with different terms. The maximum amount for a UBS Mortgage First Home is CHF 1,000,000. Of course, you can also obtain attractive conditions from UBS for higher financing amounts. Our mortgage experts will be happy to provide you with an individual quote.

No. As a new client, you even benefit twice: when you take out a UBS Mortgage First Home, we will offer you UBS me – your individual banking package – free of charge for the first six months.

If you are in a hurry, you can request a credit decision within 48 hours.

We carry out a purchase price check / real estate appraisal to estimate the market price of your property and compare it with reference properties.

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


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

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 48 hours.

The best advice, from the comfort of your own home

Make an appointment to finance your dream property or call us directly if you have any questions.

You will receive an individual offer, and a credit decision can be made within 48 hours on request.

Personal advice from experienced mortgage advisors – even from the comfort of your own home.

We will be happy to advise you:

  • Monday – Thursday: 8:00 a.m. – 8:00 p.m.
  • Friday: 8:00 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.

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.