UBS key4 mortgages – investment property financing | key4.ch

Easy financing of investment properties

Count on our expertise when it comes to the financing of your investment property.

Find financing
Find financing

Your benefits with us

A wide variety of solutions for institutional and private clients.

Always by your side

We review and pass on requests and take care of all of the admin.

Attractive prices

You receive attractive offers from different financing providers.

Transparent costs

No hidden costs. You only pay fees if a contract is signed.

Our indicative interest rates*

5-year fixed-rate mortgage

From 1.12 %

SARON mortgage

From 0.85 % + SARON

10-year fixed-rate mortgage

From 1.44 %

These interest rates are for illustrative purposes only and are updated regularly (last update: 26.06.2025). They do not constitute a binding financing offer.

UBS key4 mortgages calculated the interest rates shown based on the following financing parameters:
Property: apartment building in a central location (e.g., BE, BS, GE, ZH); Loan amount: CHF 1 to 10 million; Affordability: up to 100%; Loan-to-value ratio: 45% to 55%; Mortgage payout date: 27.07.2025.

The SARON mortgage interest rate comprises the SARON rate, plus the margin. Find out how interest rates are calculated on a key4 SARON mortgage here.

UBS key4 mortgages connects institutional investors and borrowers for investment properties. An individual, binding financing offer is the result of a bidding process on UBS key4 mortgages, during which the investors check the loan request individually. The result of the bidding process cannot be predicted. The indicative interest rates shown are estimations from UBS key4 mortgages on the basis of previous loans with the financing parameters shown. Additional parameters may be taken into account when checking your financing inquiry. Please contact UBS key4 mortgages to discuss your concrete inquiry.

3 benefits of investment properties

Alternative investment opportunity

An investment property is a cost-effective alternative to bonds, equities or other securities. You benefit from regular returns in a stable market environment.

Find financing

What clients say about us

Quality at excellent conditions

Thomas Graf
Owner and Managing Director of Graf AG General-/Totalunternehmung

High level of transparency, first-class interest rates

Béatrice Schaeppi
Managing Director and General Partner of Schaeppi Grundstücke Verwaltungen KG

Clear structure, simple comparison

Bruno Gerber
Financial Officer of Baugenossenschaft Berna

A financing request only takes a few clicks

Straightforward financing

You get direct access to a broad group of investors.

UBS as strong partner

Our many years of experience and tried-and-tested processes pay off.

For SME and private clients

We’ll find your individual financing for you tailored to your specific needs.

Find financing

Is your investment property suitable for UBS key4 mortgages?

Category

Criteria

Type of property

Completed multi-family units

Security

One pledged object per request (incl. total pledge)

Financing structure

Fixed-rate mortgage or fixed-rate mortgage combined with a SARON Flex mortgage

Loan amount

From CHF 1 000 000

Term

2–20 years, can be combined with a SARON Flex mortgage
Factsheet for mortgage borrowers

Would you like to invest in mortgages?

We bring mortgage holders and investors together and take care of the administration. Invest in investment properties or in owner-occupied residential property.

Become an investor today

Innovative solutions for energy-efficient real estate

Green Mortgage

We reward climate-friendly properties >

Energy Check

Maximize potential energy savings and optimize costs >

Popular articles on this topic

White apartment block with balconies

Should you manage your apartment block yourself?

24.08.2024 6 minutes
Whether you choose to manage your apartment block yourself or delegate the task to a property management company, it will cost you either time or money. Here you can find checklists and advice to help you decide.
Read now
© Getty Images

Energy check: determine the carbon and energy footprint of a building in no time at all

24.06.2024 6 minutes
Energy is scarce and expensive. The carbon and energy footprint of every property should be optimized as rapidly as possible. The energy calculator gives an instant assessment and suggests solutions.
Read now
umwelt

Energy-efficient renovation of investment properties: the regulatory conditions are changing

24.04.2024 3 minutes
For a long time, planning and building sustainable and climate-friendly real estate was seen as a distant goal. However, the current energy shortage and ever stricter energy laws are convincing reasons to act quickly. Sustainability expert Johannes Gantner takes us through the solutions.
Read now
Back to top

This could also interest you

Interest rate forecast for companies
Download now
UBS Swiss Real Estate Bubble Index
Download now
Help
Answers to frequently asked questions