Case Study: 95% LTV Mortgage for US Law Firm Partner with Offshore Wealth and USD Income

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

Client Profile

A Partner at a leading US law firm sought to purchase a turn-key Grade II listed residence in south-west London as their first UK home. While based in the UK, the client’s wealth and investments were held offshore.

The Challenge

The client required a high loan-to-value mortgage and planned to use an unsecured credit line for the deposit. Their income comprised a base salary paid in US Dollars, with discretionary bonus awards that varied significantly year-on-year and could not be evidenced for underwriting purposes. Additionally, currency volatility and cross-border structuring presented added complexity.

The Solution

A lending partner conducted a detailed affordability assessment and considered the client’s USD-denominated income, applying appropriate risk adjustments for FX exposure. Despite the lack of remitted wealth and unverifiable bonus history, the client was approved for a 95% LTV mortgage, structured on a capital and interest basis over a 15-year term. The facility was arranged on a lifetime tracker rate, ensuring flexibility and transparency over time.

Result

The client successfully acquired their new home without liquidating offshore investments or triggering UK tax exposure. This case highlights the value of bespoke lending solutions for globally mobile professionals seeking to leverage income without disturbing broader 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.