With UBS key4 mortgages, you can combine the most attractive offers from various providers
with just a few clicks and receive non-binding advice from qualified experts.
Compare mortgages online
Non-binding advice over the phone
Follow-up financing up to 18 months in advance
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Switching to UBS key4 mortgages is particularly worthwhile when redeeming an existing mortgage: while you often receive special conditions for new mortgages, the interest rate offers for renewals often correspond to shop-window prices. This means that in many cases, the administrative effort of changing providers at maturity pays off for you.
There are many different types of mortgage offers. With various interest rates and terms, from a range of providers: it’s difficult to get an overview.
Instead of spending a great deal of time obtaining offers, with UBS key4 mortgages you can simply let the providers come to you: just give us a few details and you will immediately receive non-binding offers from various Swiss providers. They are transparent, independent, individual and of course free of charge.
One provider offers attractive interest rates for long terms, another has particularly good conditions for short terms. With UBS key4 mortgages you can do both. Combine offers from various Swiss financing providers to create your own personal total financing solution.
Find the right mortgage for you. With just one request, you will receive non-binding offers immediately online. You remain independent and autonomous when choosing your mortgage. You decide on the product, term and provider for yourself.
If you are interested in an offer, you will receive an uncomplicated offer by e-mail. The experts at UBS key4 mortgages will advise you free of charge and without obligation on request and will be happy to help you put together your ideal mortgage.
First, you must answer a few questions online about the financial conditions of your desired mortgage, your property and your financial situation.
With just one inquiry you will receive the most attractive offers from our different providers in a flash. Our offers are transparent and comparable.
From here on, our advisors take over and explain how to proceed step by step.
With UBS key mortgages, you combine the best offers from various providers for your optimal total financing. UBS is Houzy's exclusive financial partner. That's why you can obtain non-binding offers for new mortgages or mortgage extensions with just a few clicks on houzy.ch. You will then receive personal advice from the advisors at UBS key4 mortgages. The financing experts are also on hand to help you take out a mortgage.
The offers displayed on app.houzy.ch are for illustrative purposes only and are based on the information you have entered. We offer you a selection of the lowest daily interest rates available on the UBS key4 mortgages platform. The UBS key4 mortgages products offered on this website are intended for and accessible to Swiss residents only.
There are many different types of mortgage offers. With various interest rates and terms, from a range of providers: it’s difficult to get an overview.
Instead of spending a great deal of time obtaining offers, with UBS key4 mortgages you can simply let the providers come to you: just give us a few details and you will immediately receive non-binding offers from various Swiss providers. Transparently, independently, individually and of course free of charge. UBS key4 mortgages is operated by UBS Switzerland AG.
You spend a couple of minutes answering a few questions online about your desired mortgage, your property and your financial situation.
With just one inquiry you will receive the most attractive offers from our providers within seconds. Our offers are transparent and comparable. Are you interested in an offer? Then we will simply send you the offer by e-mail and you can arrange a consultation appointment if you wish. From here on, our advisors take over and explain how to proceed step by step.
One provider may offer attractive interest rates for long mortgage terms, while another may have particularly good conditions for short terms. Which one should you choose? With UBS key4 mortgages you can select both.
Benefit simultaneously from a favorable variable-rate mortgage from one provider and an attractive fixed-rate mortgage from another. For example, by combining offers from UBS, investment foundations or pension funds.
And the most important thing is that you remain independent and autonomous in your choice of mortgage. You decide on the product, term and provider for yourself.
You can finance your property with UBS key4 mortgages if you meet the following requirements:
Property
Owner-occupied or rented residential properties and holiday properties in Switzerland.
Borrower
Private individuals resident in Switzerland.
Financing
UBS is at your side throughout the process – from advising you on the initial offer through to paying out your mortgage and beyond.
UBS is your contact and contractual partner in all matters. It operates UBS key4 mortgages and as a provider also offers mortgages. UBS concludes contracts with each provider which authorize and instruct UBS to act as a custodian bank to grant and conclude mortgages with you. UBS is also entrusted with the supervision, management and administration of your mortgage – regardless of which provider you choose.
No, you can’t negotiate. UBS is bound by contracts with the providers. If, for example, you were to fall into arrears and your property were to be auctioned off as a result, UBS would have little room for maneuver and would be bound by the instructions of the third-party investors.
UBS key4 mortgages are financed by institutional investors from Switzerland. In addition to UBS, these can also be pension funds or investment foundations, for example.
As soon as you decide on an offer, you allow UBS to disclose all the data relevant to the mortgage to the provider concerned.
