Fixed-rate mortgage

Guard against rising interest rates with a fixed rate of interest 

  • Protects you from sudden increases in monthly mortgage payments
  • Interest rate stays the same throughout the life of a mortgage

Fixed-rate mortgage benefits

Since both the interest rate and the term are fixed, you are safe from rising interest rates for years to come.

Flexible terms

Select a mortgage from 2 to 10 years or combine durations.

Attractive interest rates

You will receive a financing solution tailored to your individual needs at attractive conditions.

Fix now, loan later

Fix the interest rate up to 12 months before you take out the mortgage.

Predictable expenses

Thanks to fixed-rate you can plan your mortgage and home budget years in advance. The total payment remains the same.

Personal mortgage advisor

Your personal mortgage advisor will guide you from the property viewing to signing the mortgage – and beyond.

Special offer on mortgages

Benefit from an interest rate reduction

  • Interest rate reduction of 0.40% 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

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 our mortgage experts

Receive a free personal consultation with mortgage experts including:

  • 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 in the bidding process

What are you looking to finance?

Dreaming about your own home? Want to buy a property to rent out? Check what purpose you can take out a mortgage for.

First home    

Benefit from a 0.30% interest rate reduction on your first home and rest assured that our mortgage experts are there for you.

Vacation home or investment property

Benefit from useful tools (Municipality Guide) and our extensive market knowledge in Switzerland.

Prolong your mortgage

If your mortgage is coming to an end, talk to us about extending your mortgage and our renovation offerings.

Switch your mortgage to UBS

Save with attractive rates – we will assist you with the paperwork.

Is fixed-rate mortgage the right solution for me?

Unsure what’s the right mortgage for you?

Receive a free advice or individual offer and, on request, a mortgage decision within 48 hours.

  • Personal advice from experienced mortgage advisors
  • From the comfort of your home or your place of work
  • Our advisors are here for you:
    Monday – Thursday: 08:00 a.m. – 08:00 p.m.
    Friday: 08:00 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.


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

There for you when you need us

Do you have questions, or would you like to arrange a consultation? Our advisory team will be happy to help you.