Mortgage comparison: Which mortgage suits you? | key4.ch
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Mortgage comparison

The fixed-rate mortgage compared to the SARON mortgage

Use our mortgage comparison service to find out which mortgage is best suited to your needs. See at a glance the main data and special features of our different mortgages.
Mortgage comparison with UBS key4 mortgages
How do I find the right mortgage?
Comparison of different mortgage types
Which mortgage is most suitable for you?

Mortgage comparison with UBS key4 mortgages

 

If you don’t want to pay too much for your mortgage, you should compare different offers – both for new loans and for refinancing. UBS key4 mortgages compares – and combines – the best offers from different providers.

How do I find the right mortgage?

 

On our website, enter the details about your property, your personal situation and requirements and receive attractive and transparent offers immediately. Next, select the offer that suits you best. And if you would like personal advice, our consultants are there for you, ready to answer your questions on the phone.

Comparison of different mortgage types

Type of mortgage

Protection against rising interest rates

Opportunity to benefit from falling interest rates

Interest rate

Term

Option to change the type of mortgage

Amortization

At a glance

Fixed-rate mortgage

Fixed for the entire term

1 to 15 years

Possibility to switch to another product at the end of the contract term

Contractually agreed

Predictable costs thanks to a fixed interest rate for the entire term
> More about the fixed-rate mortgage

SARON mortgage

Variable

Unlimited

Possibility to switch to a fixed-rate mortgage at any time

Contractually agreed

Attractive and market-oriented Swiss base rate with unlimited term
> More about the SARON mortgage

Protection against rising interest rates

Opportunity to benefit from falling interest rates

Interest rate

Term

Option to change the type of mortgage

Amortization

At a glance

Fixed-rate mortgage

SARON mortgage

Fixed-rate mortgage

SARON mortgage

Fixed-rate mortgage

Fixed for the entire term

SARON mortgage

Variable

Fixed-rate mortgage

1 to 15 years

SARON mortgage

Unlimited

Fixed-rate mortgage

Possibility to switch to another product at the end of the contract term

SARON mortgage

Possibility to switch to a fixed-rate mortgage at any time

Fixed-rate mortgage

Contractually agreed

SARON mortgage

Contractually agreed

Fixed-rate mortgage

Predictable costs thanks to a fixed interest rate for the entire term

SARON mortgage

Attractive and market-oriented Swiss base rate with unlimited term
> More about the fixed-rate mortgage
> More about the SARON mortgage

Which mortgage is most suitable for you?

 

That depends on your individual requirements. We’ve summarized the main features of our fixed-rate and SARON mortgages.

With a fixed-interest mortgage, the interest rate stays the same for the full term of the loan, protecting you against rising interest rates and enabling you to plan the interest payments for your mortgage. UBS key4 mortgages fixed-rate mortgages run for between 1 and 15 years. If you end the mortgage early, additional costs will be incurred.

The UBS key4 mortgages SARON mortgage has a variable interest rate and is not for a fixed period. The interest rate comprises the SARON Compound rate plus an agreed fixed margin. This mortgage allows you to benefit from low interest rates and stay flexible, for example, by switching to a fixed-interest mortgage. However, you run the risk that interest rates could rise.

Our indicative interest rates*

1.97

SARON

from 1.97 %

5-year fixed-rate mortgage

from 2.42 %

10-year fixed-rate mortgage

from 2.52 %

15-year fixed-rate mortgage

from 2.68 %

These interest rates are for illustrative purposes only and are updated regularly (status as of 28.05.2023, 06:00 pm). They do not constitute a binding financing offer.

The interest rates shown were determined by UBS key4 mortgages on the basis of the following financing parameters: canton: Zurich, loan amount: CHF 500,000, affordability: 24%, loan-to-value ratio: 50%, Special condition: sustainability certificate, mortgage payout date: 19.06.2023.

Other interest rates and terms available

Every financing is individual. We’re happy to help you find an interest rate offer that suits you. Simply arrange a consultation online.

Get in touch with us

Good to know

Re-financing a mortgage
What should I look out for when re-financing my existing mortgage?
Find out here
Online mortgage
How can I obtain attractive mortgage offers online?
Find out here

How will interest rates evolve?

Receive our interest rate forecast regularly and free of charge by e-mail and find out more about future interest rate trends.

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We need only a few details about your property to estimate its current market value. We’ll send you the result free of charge by email.

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