0.30% interest reduction for your first home

Yes. If you renew your existing mortgage with UBS, you will also benefit from a complimentary banking package including a Platinum Credit Card for two years. The offer applies both when you open a new banking package and when you upgrade from a Classic or Gold Credit Card to a Platinum Credit Card as part of an existing banking package. Please contact your client advisor for an individual interest rate offer and to open or adjust your banking package.

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 calculation of interest depends on various factors, including the market interest rate, your personal financial situation and the property itself. Our mortgage experts will be happy to prepare an offer tailored to your individual needs, taking into account the interest rate reduction of 0.30%.

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.

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