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Make your way home

Financing that puts you first

Looking for a home to create a lifetime of memories? Want to refinance as part of your financial plan? As a UBS client you have access to mortgage solutions that can help make your dream home a reality and keep you moving with confidence toward your financial goals.

Mortgage options, offered by UBS Bank

UBS Purchase Power

Designed to give you leverage as a buyer and may help you gain an advantage in a competitive market.

  • Pre-approval: Shop with confidence knowing your qualification documents have been reviewed and approved.
  • Rate Assurance: Get pre-approved and lock in your rate for up to 120 days.1
  • Closing Date Promise: Get pre-approved and we promise to meet your closing date.2

MortgagePlus3

Gives you the option to finance up to 100% of your home’s value* by pledging eligible securities held in your UBS investment account— There's no need to liquidate assets to buy a home for you, or a loved one, as part of a wealth transfer strategy.

UBS Liquidity Advantage Refinance4

Leverage your securities in the form of a UBS Premier Credit Line5 offered by UBS Bank, using your assets as a bridge for making a cash home purchase. You may then restore your liquidity after the purchase with a mortgage that allows you to pay off the credit line.

A range of financing options designed to work for you

Explore a suite of sophisticated strategies designed to help strengthen your buying power and maintain your investment goals:

  • Competitive solutions and flexible rate options offering relationship discounts6
  • Potential for tax deductibility7
  • A variety of long- and short-term financing strategies

Act on advice and guidance

Your UBS Financial Advisor will connect you to a dedicated UBS Bank Private Mortgage Banker8 who will act as your single point of contact from start to finish, providing you with the exceptional service you have come to expect.

Working alongside your Financial Advisor, your Private Mortgage Banker will help ensure your mortgage strategy complements your overall financial strategy. It’s part of how we look at the bigger picture to deliver advice for your entire financial life: Advice. Beyond investing.

Questions? Contact your UBS Financial Advisor or call 844-589-3705 to speak to a UBS Bank Private Mortgage Banker.

"UBS Bank” is the trade name of UBS Bank USA, N.A. Member FDIC, NMLS no. 947868. UBS Bank is a subsidiary of UBS Group AG.
 

* 100% financing may not be appropriate for everyone and a default on the mortgage loan could result in both the loss of the home and the pledged securities. Borrowing using securities as collateral entails risk and may not be appropriate for every client’s needs. Please speak to a UBS Bank Private Mortgage Banker or Wealth Management Banker for more information.

About UBS Bank products

1 Rate assurance allows applicants to lock the interest rate once all needed documents are provided. You can keep the rate for 60 days and extend it up to another 60 days (120 days in total) if you secure a signed sales agreement within the first 60 days. If there's no agreement or the loan isn't closed before the rate lock ends, the rate reprices to the higher of the locked rate or current market rates.

2 If you are buying a new home, UBS Bank promises to close your loan by the date in your purchase agreement. If the loan does not close on time due to a delay by UBS Bank, you will get up to $1,000 off your closing costs. To be eligible, you need a UBS pre-approval letter, and your closing date must be at least 30 days after submitting your loan application and purchase agreement. Our promise is subject to the following conditions:

  • You must qualify for the loan.
  • Condominiums, co-ops, properties under construction, or uncommon properties are not eligible.
  • You must provide necessary documents on time.
  • The delay must be UBS's fault, not yours or the seller's.
  • No changes in loan products, amount, or terms.
  • No earlier closing date amendments.UBS can change or end this offer anytime without notice, except for eligible transactions submitted before changes.

3 The UBS MortgagePlus program requires the pledge of eligible securities in a UBS Financial Services brokerage account as additional collateral. If the value of the pledged securities decreases below a certain level (as specified within the loan documents), the deposit of additional securities and/or the sale of securities may be required (known as a “collateral call”). UBS may sell some or all of the pledged securities without contacting you. You are not entitled to an extension of time to meet a collateral call or to choose which securities are sold to meet the collateral call. Trading of the pledged securities is subject to certain restrictions. The sale of securities may result in adverse tax consequences and mortgage interest may not be deductible if tax-exempt obligations are pledged as additional collateral. UBS does not provide legal or tax advice and you should consult with your legal and tax advisors.

With the MortgagePlus program you may be able to obtain a larger loan amount than with a standard mortgage loan and your Financial Advisor will receive higher compensation. In addition, your origination fee and closing costs will be higher and you will pay more in interest than if you made a cash down payment. There is a financial incentive to recommend the use of a mortgage loan rather than the sale of securities to meet your cash needs—such as for a down payment—because UBS Bank and your Financial Advisor receive compensation related to the loan. In addition, your Financial Advisor receives compensation related to the securities you continue to hold in your account. For MortgagePlus loans, your Financial Advisor also receives compensation related to the investments used as additional collateral to secure the loan.

4 A UBS Liquidity Advantage Refinance is a home financing strategy that involves a cash purchase of real estate from a line of credit extended through the collateralization of eligible securities. A UBS Liquidity Advantage refinance loan is subject to eligibility requirements and the proceeds of the mortgage loan may not be used to purchase, carry or trade in securities, or to repay any debt to any affiliate of UBS Bank without prior approval from UBS Bank or deposited into a UBS RMA but can be used to pay back the amount borrowed on the UBS Bank credit line. This strategy may not be appropriate for all clients and is not permitted for Texas homestead properties

5 Credit Lines are securities backed loans provided by UBS Bank, an affiliate of UBS Financial Services Inc. (UBS FSI). Credit Lines are full recourse demand loans, are subject to credit approval, and are “margin loans” subject to collateral maintenance requirements (i.e. margin requirements). The lender can (i) demand repayment and/or (ii) change collateral maintenance requirements (i.e., margin requirements) at any time without notice. If the required collateral value is not maintained, the lender can require you to post additional collateral (commonly referred to as a “margin call”), repay part or all of your loan and/or sell your securities. Failure to promptly meet a margin call or repayment or other circumstances (e.g., a rapidly declining market) could cause the lender to liquidate some or all of the collateral supporting the Credit Lines to repay all or a portion of the outstanding Credit Line or margin obligations. Any required liquidations may result in adverse tax consequences. You are personally responsible for repaying the Credit Line in full, regardless of the value of the collateral. Securities backed financing involves special risks, is not suitable for everyone and may not be appropriate for your needs. For a full discussion of the risks associated with borrowing using securities as collateral, you should review the Loan Disclosure Statement that will be included in your application package.

Credit Lines are either non-purpose or purpose loans. Non-purpose loans may not be used directly or indirectly to purchase, trade or carry securities or to repay debt used to purchase, trade or carry securities and may be used for other liquidity needs such as personal expenses, real estate transactions, or other needs. Purpose loans may be used to purchase, trade or carry securities or may be used for other liquidity needs such as personal expenses, real estate transactions, or other needs. Please review your loan agreement to make sure you understand which type of loan you have and that you ensure you are in compliance with its terms. Credit Lines may not be used to repay debt to any affiliate of UBS Bank. Additional limitations and availability may vary by state. Prepayments of UBS Fixed Credit Lines will be subject to an administrative fee and may result in a prepayment fee.

UBS FSI and its Financial Advisors have a financial incentive to recommend the use of securities backed loans (SBLs), rather than the sale of securities to meet cash or other liquidity needs. Our Financial Advisors receive compensation based on the outstanding balance on a non-purpose SBL and the applicable interest rate spread for the SBL. Financial Advisors do receive credit for the amounts of the purpose loan drawn for purposes of bonuses, awards, and club status. In addition, UBS-FSI receives servicing fees from certain lending affiliates based on the amount of outstanding loan balances to compensate us for referring clients and for administrative and operational support relating to the loans. The interest you pay for the loan is separate from and in addition to other fees you may pay related to the investments used to secure the loan, such as ongoing investment advisory fees (wrap fees) and fees for investments such as mutual funds and ETFs, for which UBS-FSI and/or our affiliates receive administrative or management fees or other compensation. As such, UBS FSI and its Financial Adivsors benefit if you draw down on your loan to meet liquidity needs rather than sell securities or other investments, which would reduce our compensation. When assets are liquidated pursuant to a house call or demand for repayment, UBS-FSI and your Financial Advisor also will benefit if assets that do not have ongoing fees (such as securities in brokerage accounts), are liquidated prior to or instead of assets that provide additional fees or revenues to us (such as assets in an investment advisory account). Further, different types of securities have higher release rates than others, which can create a financial incentive for your Financial Advisor to recommend products or manage the account in order to maximize the amount of the loan. UBS-FSI and its Financial Advisors and employees offer banking and lending products to clients through our affiliates and third-party banks in our capacity as a broker-dealer and not as an investment adviser.

UBS Bank, UBS FSI, their employees and affiliates do not provide legal or tax advice, and any information provided should not be construed as such. You should contact your personal tax and/or legal advisors regarding your particular situation, including the legal and tax implications of borrowing using securities as collateral for a loan

6 Jumbo loans up to $40 million may be eligible for a relationship discount through UBS Bank Premier Pricing program. Jumbo loans are amounts over $832,750 for single-family homes (except in Hawaii, Alaska, and some high-cost markets where the limit is $1,249,125). Premier Pricing doesn't apply to conforming or conforming plus loans. To qualify, you must hold $250,000 or more in UBS assets 10 business days before closing. Eligibility criteria is subject to change at any time without notice. For loans over $40 million, speak to your UBS Bank Senior Wealth Management Banker or Private Mortgage Banker.

7 No tax or legal advice. UBS Financial Services Inc., its affiliates and its employees do not provide tax or legal advice. You should consult with your own tax and/or legal advisors regarding your particular situation.

8 UBS Private Mortgage Bankers and Senior Wealth Management Bankers are employees of UBS Bank and are individually registered Nationwide Multistate Licensing System & Registry (NMLS). UBS Financial Advisors are employees of UBS Financial Services Inc.


About UBS Bank
Final commitment is subject to the verification of information such as, an appraisal, title report, a purchase contract if purchasing a home, and meeting all closing conditions.

All residential mortgage products are only offered by UBS Bank. NMLS Consumer Access available at https://nmlsconsumeraccess.org/. All loans are subject to underwriting, credit and property approval. Credit approval of any loan application is subject to the creditworthiness of the applicant. UBS Bank will conduct a comprehensive evaluation, which may include, but is not limited to, an assessment of the applicant’s financial condition, payment history, credit scores, credit reports, and the adequacy of any collateral offered. Additional terms, conditions, restrictions, and limitations may apply. Please note that not all mortgage products are available in all states, or for all loan amounts. Other restrictions and limitations may apply. UBS Bank currently offers residential mortgage loans within the 50 states of the United States of America and the District of Columbia.

equal housing lender

The proceeds of a UBS Bank mortgage cannot be deposited into a UBS Financial Services account or used to buy or trade stocks or to repay any debt to any affiliate of UBS Bank USA without approval. Purchase, rate and term refinances, and cash-out refinances are allowed. Special rules apply for homestead properties located in Texas.

About UBS Financial Services Inc.
The Resource Management Account (RMA), Business Services Account BSA and International Resource Management Account (IRMA) are brokerage accounts with UBS Financial Services Inc., a registered broker-dealer and a Member of the Securities Investor Protection Corporation (SIPC), which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). An explanatory brochure is available upon request or at sipc.org. These accounts provide access to cash management services through arrangements with affiliated banks and other third-party banks, and provide access to insurance and annuity products issued by unaffiliated third-party insurance companies through insurance agency subsidiaries of UBS Financial Services Inc. UBS Financial Services Inc. is not a bank.

Investment, insurance and annuity products: Not FDIC insured • Not a deposit • No bank guarantee • May lose value 

Important information about brokerage and advisory services. 
As a firm providing wealth management services to clients, UBS Financial Services Inc. offers investment advisory services in its capacity as an SEC-registered investment adviser and brokerage services in its capacity as an SEC-registered broker-dealer. Investment advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate arrangements. It is important that you understand the ways in which we conduct business, and that you carefully read the agreements and disclosures that we provide to you about the products or services we offer. For more information, please review client relationship summary provided at ubs.com/relationshipsummary, or ask your UBS Financial Advisor for a copy.

This information is not provided based on your particular financial situations or needs and does not take into account individual investors' circumstances. You should not consider this information to be a “recommendation” by UBS or your UBS Financial Advisor.

UBS Financial Services Inc. and its employees (including Financial Advisors) do not take mortgage loan applications, do not offer mortgage loans and do not negotiate terms of mortgage loans.

UBS Financial Services Inc., 1200 Harbor Blvd., Weehawken, NJ 07086. NMLS No. 6737. Massachusetts Mortgage Broker Lic. No. MB6737. New York Mortgage Broker Registration No. RMB 208541.
UBS Financial Services Inc. is a subsidiary of UBS Group AG. Member SIPC. Member FINRA.

© UBS 2026. The key symbol, UBS, Resource Management Account, RMA, Business Services Account BSA, International Resource Management Account and IRMA are among the registered and unregistered trademarks of UBS. All rights reserved.

20251003-4850959 Exp. 10/03/2026