Personal. Simple. Tailored. Mortgage solutions designed around UBS clients

UBS Mortage

Home is an important part of life, and the right home financing solution is a critical aspect of your full financial picture. The right mortgage solution should be tailored for you and delivered simply, with exemplary service. We want UBS clients to know what easy feels like.

Personalized service

As a UBS client, your UBS Financial Advisor will introduce you to your own dedicated NMLS registered UBS Bank USA Private Mortgage Banker who will help you select the right financing solution to meet your needs. Your Private Mortgage Banker will be your single point of contact every step of the way.1

A simpler experience

Simplicity means less stress and fewer demands on your time. Our process has been designed around our client's needs. Paperwork is minimized and many documents can be signed electronically for speed and security, for a smoother journey start to finish.

Tailored solutions

Your financial goals are as unique as the life you lead, and your needs may be complex. We offer a broad range of sophisticated solutions designed to offer flexibility to ensure that each client's unique requirements are met.

MortgagePlus Program:2 Gives UBS clients the option to pledge eligible assets from a UBS investment portfolio as collateral in lieu of a down payment on a jumbo loan.3 The portfolio will remain fully invested as you access home financing as a component of your wealth management strategy. 100% financing may not be appropriate for everyone and a default on your mortgage loan could result in both the loss of your home and your pledged securities. Borrowing using securities as collateral entails certain risks and may not be appropriate for every client. Please speak to a UBS Bank USA Private Mortgage Banker or Wealth Management Banker1 for more information.

UBS Entity Loan Program: Allows clients to acquire property in the name of a legal entity such as a non-operating limited liability company, partnership or trust while using personal credit, assets and income to qualify for the mortgage. This structure may offer the privacy many clients are looking for and is also an effective tool within a wealth transfer strategy.

Asset Dissipation Loan Program: Offers clients the flexibility to obtain a traditional mortgage if you do not receive a salary or have a regular income stream. With an asset dissipation calculation, a rate of return is applied to the client's liquid assets and to use as part of their income.

Rewarding relationships
A platform of flexible solutions and a seamless process are important. So is the right price.

Competitive jumbo pricing3
We offer competitive pricing on jumbo loans, with principal-and-interest or interest-only4 options as well as cash-out refinancing.5

Premier pricing3
If you hold $1 million or more with UBS, you may qualify for a significant additional discount on a jumbo mortgage. This pricing is available for both new home purchases and refinance loans.

For an even simpler home-buying experience, UBS clients may submit an application if eligible, and obtain approval prior to choosing a property.

Experience a mortgage from UBS
If you’re an existing UBS client, whether you’re looking to buy a first home, invest in a vacation property, refinance or help a loved one become a homeowner, a home financing solution from UBS Bank USA can get you home faster.

Contact your UBS Financial Advisor to get started. We’re here to make this easy.

Final commitment is subject to verification of information, receipt of a satisfactory sales contract on the home you wish to purchase, appraisal and title report, and meeting our customary closing conditions. This offer is not a commitment to lend and is subject to change without notice.

All mortgage products are only offered by UBS Bank USA, Member FDIC, NMLS No. 947868. 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., 1000 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. Registered Mortgage Broker – NYS Dept. of Financial Services. UBS Financial Services and its Financial Advisors do not take mortgage loan applications, do not offer mortgage loans and do not negotiate terms of mortgage loans.

180112-3850 (IS1800614)

Equal Opportunity Lender. Equal Housing Lender.