| Like many people, you may want to take advantage of lower interest rates. But there may be other reasons to refinance. You may want to consolidate existing mortgages, reduce interest-rate risk, add flexibility or simply build equity faster. A discussion with a UBS Mortgage Banker can help you determine if refinancing your current mortgage is the right choice for you. A UBS Mortgage Banker may recommend alternatives to maximize your financing, optimize your tax deductions,1 improve your cash flow or help you leverage your assets. Only you can make the final decision. Knowing your full range of options can help you manage your wealth more efficiently and cost effectively. 1 | 
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