Mortgage overdraft facility For more financial flexibility for your own home or investment property

The UBS Mortgage Overdraft Facility is an account with a freely available credit limit that offers you more flexibility for purchases, maintenance or development of your real estate. You alone decide when to use the credit and how you want to pay it back.

The mortgage overdraft facility at a glance




Interest rate

Interest rate

Depending on use



For home ownership and investment real estate

  • Account with credit limit available at any time
  • Readily available reserve for any unexpected purchases or expenses
  • No restrictions on use
  • Repayment when you choose (without consultation)


Funds from your occupational pension plan (pillar 2) and restricted pension plan (pillar 3) cannot be withdrawn early or pledged.

Our advisory service – Your advantages

  • Verification of the purchase price based on location and property details
  • Comparison of the purchase price with reference properties in our database
  • Comprehensive information on the municipality, price levels and tax rate
  • Development of the perfect financing strategy for you

Our experts are there for you – we look forward to meeting you.

Expert tip

The mortgage overdraft facility is primarily a readily available reserve for unexpected expenses and purchases. A mortgage is usually a better and more cost-effective solution if you require more capital over a longer period.

Also of interest to you

Homeownership and financing guide

Interest rate forecast for mortgages

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