Mortgages Financing corporate real estate

Whether you seek a mortgage or building loan for your factory, office buildings, or investment properties – we offer comprehensive advice to help you finance your company's real estate. You receive both customized financing and a solid basis for planning your financial outgoings.

The right mortgage for every need

Fixed-rate mortgage

With the UBS Fixed-Rate Mortgage, the capital amount, duration and interest rate are set in advance. This makes calculating costs easy. Fixed-rate mortgages are particularly worthwhile if you expect interest rates to rise.

Good to know:

  • Long-term capital and interest-rate commitment
  • Clear calculation basis due to a fixed rate of interest throughout the entire term
  • Option to fix the interest rate in advance
  • Amortization payments as set out in the loan agreement

SARON Flex Mortgage

With the UBS SARON Flex Mortgage, you benefit from unlimited, flexible and market-oriented financing for your property with particularly attractive interest rates. It is suitable for commercial clients who actively follow events on the money and capital markets and do not expect interest rates to rise sharply.

Good to know:

  • Financing closely tied to the money market
  • Unlimited contract term
  • Attractive interest rates with short-term fluctuations
  • Possibility of switching to a UBS Fixed-Rate Mortgage

What happens to your UBS Libor Mortgage Contract Agreement if the Libor reference rate no longer exists?

The calculation of Libor, which is used as the reference rate for Libor Mortgages, is expected to be discontinued at the end of 2021. The money market interest rate SARON (Swiss Average Rate Overnight) has been recommended as the new benchmark in Switzerland. The procedure for the conversion of current Libor Mortgages will be announced in due course.

Building loan

A UBS Building Loan lets you realize your construction project swiftly and with minimum stress. Regardless of whether you're planning a new building or want to convert or renovate an existing property, we can tailor our offering to your needs.

Good to know:

  • All payments are handled through your construction account
  • Free choice of how to take your building loan
  • No amortization payments during the construction phase

Real Estate / Investment properties

Capital expenditure on an investment property is a decision with far-reaching consequences. We offer professional advice and support with analysis and financing.

Good to know:

  • Financial advisory services for investment properties
  • Tailored analysis of your situation
  • Reliable support from real estate experts
  • UBS mortgages for all interest rate scenarios

Master credit limit increases financial leeway

By concluding a master credit limit, you agree to a fixed credit amount. You can flexibly access this amount to finance your real estate.

Master credit limit for UBS Real Estate Financing

Various forms of credit are available to you within the master credit limit. In this way you can freely define the financing structure of your real estate portfolio.

Within the master credit limit the following forms of utilization are provided for:

  • UBS Current Account
  • UBS Fixed Advance
  • UBS Floating Rate Loan
  • UBS Fixed-Rate Loan
  • UBS Deposits for provision of bank guarantees

Good to know:

  • You can access freely available and structurable total financing (master credit limit) instead of several individual loans per real estate property
  • Resources within the agreed master credit limit are freely available
  • Individual adjustment of limits for the purchase and sale of real estate is possible

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Real estate sales and structured real estate financing

Our Real Estate Advisory specialists are here to help you with complex real estate transactions.

     

UBS Real Estate Focus

UBS Real Estate Focus deals with the most important issues on the Swiss real estate market. Benefit from the combined expertise of various UBS business units, as well as from academic guest contributors.

Swiss real estate market

This is where to find further information on the Swiss real estate market and related topics: