Mortgage planning

Personal, streamlined, tailored solutions designed for UBS clients

Home is an important part of life, and the right home financing solution is a critical aspect of the full financial picture. Whether you're looking to purchase a new home or refinance an existing mortgage, it's important to have a lending strategy that fits within your larger financial picture.

If you’re an existing UBS client looking to buy a first home, invest in a vacation property, refinance or help a loved one become a homeowner, ask your UBS Financial Advisor1 about incorporating your home financing strategy into your overall wealth management plan with residential loan financing solutions offered by UBS Bank USA.

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Tax considerations

One important consideration in choosing a home financing strategy includes your tax implications. For instance, you may want to maximize your interest deductions, or prefer to limit items to the Alternative Minimum Tax (AMT). Or perhaps you're more interested in income you want to offset and direct into charities, trusts and investments. It depends on your individual situation, but it can be an important part of your home financing strategy. Your UBS Financial Advisor may recommend that you meet with your tax advisor to discuss the optimal solutions for you.2

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

2 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 personal tax and/or legal advisors regarding your particular situation.

About UBA Bank USA
The proceeds of a UBS Bank USA mortgage loan cannot be deposited into a UBS securities account, used to purchase, carry or trade in securities, or to repay any debt to any affiliate of UBS Bank USA. Purchase, rate/term refinance and cash-out refinance are permitted with the exception of cash-out refinance in the state of Texas.

All residential mortgage products are only offered by UBS Bank USA, Member FDIC, NMLS No. 947868. NMLS Consumer Access available at https://nmlsconsumeraccess.org/. All loans are subject to underwriting, credit and property approval. 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 USA currently offers residential mortgage loans within the 50 states of the United States of America and the District of Columbia.

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. Tel. no. 201-352-4054. NMLS No. 6737. Georgia Residential Mortgage Broker Registrant No. 18092. Massachusetts Mortgage Broker Lic. No. MB6737. New York Mortgage Broker Registration No. RMB 208541

Deposit and loan products are offered by UBS Bank USA.

UBS Bank USA is a subsidiary of UBS Group AG. UBS Bank USA, Member FDIC, NMLS no. 947868.

About UBS Financial Services Inc.
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. A small number of our financial advisors are not permitted to offer advisory services to you, and can only work with you directly as UBS broker-dealer representatives. Your financial advisor will let you know if this is the case and, if you desire advisory services, will be happy to refer you to another financial advisor who can help you. Our agreements and disclosures will inform you about whether we and our financial advisors are acting in our capacity as an investment adviser or broker-dealer. For more information, please review the client relationship summary provided at ubs.com/relationshipsummary, or ask your UBS Financial Advisor for a copy.

UBS Financial Services Inc. is a subsidiary of UBS Group AG. Member FINRA. Member SIPC.

© UBS 2023. All rights reserved. The key symbol and UBS are among the registered and unregistered trademarks of UBS. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPC.

nmlsconsumeraccess.org
2022-995250
Expiration: 10/31/2024 Review Code: IS2306314

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