Usually only if you are able to withdraw them short/midterm.
Which should always be the case when one lives abroad, right?
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Itās collateral for the bank, you can still manage yourself. Also: it depends to whom you talk - a lot! Find a banker of trust who can help you navigate inside the banks, this is more important once your wealth is growing and your needs are adapting (e.g. financing, mortgages not related to salary, and more, e.g. business solutions).
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Easier said than done. All bank employees that Iāve met so far were clueless clerks; except one, who rapidly rose through the ranks and into other jobs.
Do you have ideas on how to find somebody capable?
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Nowadays you have to do everything by your own - or you will get ripped.
FI and mortgages is possible but there is no general answer. As other wrote: it really depends on the internal regulation of various banks. Some are calculating with x% āVerrentungā of your free assets (some banks even include the bound capital in your house/aparment) before and y% āVerrentungā of your free assets after getting retired.
With valid arguments in regard to the bankās policy it is even possible to have an affordability ratio of >200% - with normal interest rates and no added amortization.
Therefore, no worries there will be a solition once you hit FI 
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Same experience here, actually.
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Many members of this forum probably know more than some professional financial advisors working in banks. For example I talked to one who didnāt know what ETFs were, only the bankās own products.
So I agree it is necessary to do the legwork and find the right contacts and information for yourself. If everyone knew the answers they would follow the same path themselvesā¦
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Find out what they need/ how you can help them, give them what helps them and get what helps you.
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Sounds like the recipe to become President of the United States. 
Jokes aside, itās somewhat comfortable to see that the others here have had similar experiences.
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Could you give more info ?
What was use by UBS as revenue to give you a mortgage ? what was the amount of the mortgage and of your FIRE revenue?
So, if I have no income, but 1M wealth (including RE equity, 2nd pillar, any mortgages subtracted), the bank would consider my situation as the one of someone with a salary of 80k/year, right?
That would surprise me. How could illiquid assets like RE help you in paying the ongoing mortage interest? Different story for cash & stocks; there I see less of an issue.
More like a wishful thinking, indeed.
Iām a bit of a novice re fixed income solutions but realize that I should start to shift a bit more of my portfolio that direction for safety reasons and as where I am now in life, a reliable income stream is helpful. So Iām really intrigued by the PIMCO fund you mentioned incl. the monthly distribution. This may sound like a very simple question, but how do you know when the right time is to enter into a solution like that (i.e. so you buy ālowā)?