The mortgage with a fixed interest rate
3-year fixed-rate mortgage
from 0.97 %
5-year fixed-rate mortgage
from 1.06 %
10-year fixed-rate mortgage
from 1.23 %
15-year fixed-rate mortgage
from 1.52 %
Show more rates
These interest rates are for illustrative purposes only and are updated regularly (status as of 19.12.2024, 02:00 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%, mortgage payout date: 20.12.2024.
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.
With UBS key4 mortgages you can take out fixed-rate mortgages with terms of 1 to 15 years. The interest rates are fixed for the agreed period when you sign the mortgage contract.
Good to know: in general, the longer the term of the mortgage, the higher the mortgage interest rate.
During the term, premature cancellation of a fixed-rate mortgage is not usually possible. Anyone who decides to do so in exceptional cases must pay an early redemption penalty . The amount to be paid depends on several factors:
One reason for early re-financing of a mortgage could be to switch to another mortgage model with better conditions, for instance. It is therefore worth discussing re-financing with your provider at an early stage.
With a fixed-rate mortgage you are protected against rising interest rates during the term of the mortgage and don’t have to do anything – in this case you benefit from the fixed interest rate. The interest burden can therefore be planned over the entire term of the mortgage.
If interest rates fall during the term of the mortgage, you can’t benefit if you have a fixed-rate mortgage because the interest rate remains fixed. You can only benefit with a variable-rate mortgage (SARON mortgage).
Yes, it is possible to take out a forward mortgage. For a corresponding premium (forward surcharge), you can fix the interest rate up to 18 months before the payout date of the mortgage to secure the current interest rate. This is especially worthwhile if you expect interest rates to rise.
If you take out a fixed-rate mortgage, there is a risk that interest rates on the market will rise during the term. This means that by the time your mortgage ends, the interest rates could be higher than on the date of signature. If this is the case, you would have to take out the new mortgage at a higher interest rate.
In order to reduce this risk, it may be worth splitting the total financing amount into smaller mortgage tranches consisting of different products right from the start – in other words, you could take out several fixed-rate mortgages with different terms. This allows you to fix an interest rate for 10 years and still benefit from lower interest rates via other fixed-rate mortgages with shorter terms.
