The fixed-rate mortgage compared to the SARON mortgage
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.
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.
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
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
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
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.
SARON mortgage
from 0.55 % + SARON
5-year fixed-rate mortgage
from 2.23 %
10-year fixed-rate mortgage
from 2.34 %
15-year fixed-rate mortgage
from 2.48 %
These interest rates are for illustrative purposes only and are updated regularly (status as of 02.10.2023, 04:00 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: 03.10.2023.
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.
