I guess it is a new version: UBS-FIRE!
Does UBS hire baristas? 
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Yes, bigger branches have a reception where you need to make coffee for visiting clients
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Bang. There’s my job. I’ll also take night time security guard where I can sit at the front desk in case somebody needs to enter the building at midnight.
Out of curiosity, where do you get these reference rates from?
As posted a bit earlier, I still have a piece of my mortgage as SARON after recently fixing the rest, but I am inclined to also go fixed if the rates drop another 0.1 - 0.2%.
I’m curious, are you taxed on the benefit of rates which are in excess of what non-employees could get?
nope.
Btw. my quoted rates are not from UBS, their staff discounts are not as favorable.
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I want to set up my mortgage to buy a house.
I have the opportunity to buy a house and repay a mortgage 815 k at a fixed rate of 0.8 for 6 years. Is this a good idea?
Do you know the costs of this process?
In addition to the notary, financial registry, etc.?
Hi all, interesting and very informative thread. We own a villa in a coproperty just outside of Geneva. The coproperty is nice and sought out by expats: 54 villas, with a shared large pool, park and a tennis court. Our mortgage (3Y fixed expiring March 2026) is currently at 360k. Comparable villas in our neighbourhood sell for 1.8M + so our current LTV is around 20%. We’d like to increase our mortgage to access equity for a property purchse in Vancouver, Canada where our daughters live.
I’ve set up a dossier with all the files and contacted MoneyPark, and Hypohaus. We’re clients with BCGE and they’ve already had a read through and offered to finance 630k along with the existing 360k (i.e. new mortgage total of 990k). Hoping that some of the MoneyPark or Hypohaus lenders will come through with offers to increase our mortgage a good deal higher than the 990k.
Any general words of advice on our approach? I’ve also asked PostFinance (where we also have an account) for an online consultation.
Long-time lurker, finally something to contribute 
Just secured a SARON mortgage with a 0.70% margin at Raiffeisen.
Property is still under construction, with completion expected in summer 2026. Property value is around CHF 2.5M. We opted for a high loan-to-value ratio (close to 90%) to keep our equity contribution as low as possible.
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Thanks for sharing.
What about amortization? Did you opt for the direct or indirect method ?
We chose direct amortization because we wanted to continue following our own investment strategy with finpension.
Noob question. Is/was it possible to have a mix of direct and indirect amortisation? With your high loan to value ratio and price, indirect amortisation might not have been enough even with two pillar 3a contributions.
Not a noob question at all 
In our case, they had initially suggested a mix of indirect amortisation via pillar 3a and some direct amortisation on top. The two 3a contributions alone would not have been enough to cover the annual amortisation amount.
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Money is becoming incredibly cheap.
Homeownership premium most likely has gone to negative now.