UBS key4 mortgages

Q: Will I receive personal advice?

Yes, of course – and it’s free of charge. With UBS key4 mortgages, you benefit from UBS’s many years of expertise in the mortgage market. We will support you from the outset in putting together your mortgage and will be at your side throughout the term of your mortgage.

Q: What data do the providers receive?

As soon as you decide on an offer, you allow UBS to disclose all the data relevant to the mortgage to the provider in question. Your security is our top priority. For this reason, UBS and other banks are subject to statutory confidentiality obligations, such as bank client confidentiality. The other providers are contractually obliged to comply with equivalent regulations.

Q: What do I need to consider when extending my mortgage with UBS key4 mortgages?

When renewing, your mortgage must continue to meet the requirements of UBS key4 mortgages and the lenders. If we cannot find a suitable offer for you, your existing mortgages outside UBS key4 mortgages must be repaid, which may entail additional costs (such as early repayment penalties).

Q: Can I also finance an investment property (buy to let) with UBS key4 mortgages?

Yes, UBS key4 mortgages also offers mortgages for investment properties. If you are buying an apartment building with three units or more, we even have a dedicated offering.

Q: How can I invest in UBS key4 mortgages?

Are you looking for an attractive risk-reward ratio? As an investor, you gain access to the attractive asset class of mortgages for investment properties and residential property throughout Switzerland. Find out how you can become an investor .

Q: How can I become a partner of UBS key4 mortgages and use the APIs?

We would be glad to consider partnering with you. Please send an email to lead-generation-partnerships@ubs.com .

Attractive interest rates and terms of up to 15 years
We compare offers from different Swiss providers to find the best possible conditions for you.
Expert advice from UBS
Benefit from free advice and processing from a single source – with UBS as your contact for everything.
Get your first offer now
Receive a non-binding offer immediately online – or arrange a personal consultation.

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UBS key4 mortgages is currently offline

We would rather be online. That is why we are working hard to make sure that you can access UBS key4 mortgages again soon.

There are many different mortgage offers, from many providers, with various interest rates and terms. In fact, it can be difficult to keep track.

Instead of the hassle of obtaining quotes, the UBS key4 mortgages enables providers to come to you. Enter just a few details online to receive immediate, non-binding offers from different Swiss providers. Transparent, independent, personalized and, of course, free of charge.

And most importantly, you decide on the mortgage product, term and provider. For example, you can combine offers from UBS, investment foundations or pension funds to create your own personal financing. UBS remains your contact and contractual partner.

Who are the providers?

In order to find the best offers for you, we work closely with institutional investors across Switzerland. In addition to UBS, these include, for example, pension funds, investment foundations and other banks. These verified providers allow us to combine different offers so we can find the best financing for you, tailored to your needs.

How will interest rates evolve ?

Receive our interest rate forecast regularly and free of charge by e-mail and find out more about future interest rate trends.

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Will I receive personal advice?

How can I get an offer from UBS key4 mortgages?

Answer a few questions online about the mortgage you want, your property and your financial situation.

With just a single inquiry, you get the best offers from our providers within seconds. It’s transparent and makes comparisons easy. Interested in an offer? We’ll email it to you and you can arrange an advisory consultation, if you wish. Our experienced advisors will then explain step by step what happens next.

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What is the relationship between UBS and UBS key4 mortgages?

UBS is at your side – from advice on the initial offer to paying your mortgage and beyond.

We will be your contact and contractual partner for everything. We operate UBS key4 mortgages and also offer mortgages as a provider. UBS has contracts with each provider. This authorizes and instructs UBS to act as a trustee in granting mortgages to you and to enter into an agreement with you. UBS is also responsible for managing and taking care of your mortgage, irrespective of which provider you choose.

What data do the providers receive?

What do I need to consider when extending my mortgage with UBS key4 mortgages?

What is the difference between a UBS mortgage and a UBS key4 mortgage?

UBS mortgages are our classic mortgages financed by UBS. With a UBS mortgage, we offer you highly flexible, tailor-made financing.

Direct financing from UBS
Term: 2 to 10 years
Number of tranches: variable
Adjustments (e.g. increase for renovation) possible if UBS agrees

In addition, our UBS key4 mortgages offer gives you the opportunity to obtain mortgages from selected Swiss lenders. Your UBS client advisor will be happy to assist you from the initial consultation to the payment of your mortgage and beyond.

Financing from various Swiss providers
Term: 1 to 15 years
Number of tranches: maximum of three
Adjustments (e.g. increase for renovation) possible if the provider agrees

Can I also finance an investment property (buy to let) with UBS key4 mortgages?

How can I invest in UBS key4 mortgages?

How does UBS key4 mortgages work for our partners?

Our partners usually have contact with potential mortgage customers through their own business processes. By integrating the key4 mortgage offering into their environment, they can provide a seamless and convenient experience for their customers.

To do so, partners simply integrate the mortgage offer APIfor UBS key4 mortgages into their website. This allows our partners’ customers to calculate a non-binding indicative mortgage offer in real time on the partners’ website.

How can I become a partner of UBS key4 mortgages and use the APIs?