£3m Interest-Only Mortgage for Finance MD with Deferred Income

Explore how lending partners of Fitch & Fitch Private Office have supported high-net-worth clients with bespoke mortgage finance.

Client Profile

A Managing Director in the finance sector secured an off-market opportunity to purchase a Grade-II listed residence in West Sussex, valued at approximately £5 million. The property offered a rare blend of modern design and period features — a long-awaited match for the client’s preferences.

The Challenge

To complete the acquisition, the client required a mortgage that could account for multiple income sources, including deferred share awards and a discretionary bonus. He also wished to minimise monthly outgoings post-completion to preserve liquidity for additional investment opportunities and lifestyle commitments.

The Solution

Through one of our private banking partners, a 65% loan-to-value facility was arranged, delivering a £3 million mortgage on an interest-only basis. The lender assessed the client’s full financial profile, factoring in the variable nature of his income streams to establish affordability. The structure was tailored to provide immediate purchasing power while supporting long-term cashflow management.

Result

The client was able to proceed swiftly with the off-market purchase and retain financial flexibility post-completion. This case highlights how bespoke lending solutions from our Private Office partners can support complex income arrangements and evolving wealth strategies.

Disclaimer

Important information

Your home may be repossessed if you do not keep up repayments on your mortgage.

The case studies featured represent real scenarios supported by our Private Office lending partners. Some details have been amended to preserve client confidentiality.

Mortgages are subject to status, eligibility, and lending criteria. Residential finance solutions are available for properties in England and Wales and are primarily available to UK residents.