Case Study: 90% LTV Mortgage for Law Firm Partner Purchasing Second Home

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

Client Profile

A law firm Partner wishing to finance a second residence, a three-bedroom flat valued at £1.9 million. The client already owned a primary residence and was looking to secure a high LTV facility for the new property.

The Challenge

The client required a 90% LTV mortgage while retaining their existing home. Their income structure included a monthly salary and deferred profit share, which many lenders struggled to assess appropriately. The client also had limited time to manage the process and needed an efficient, well-structured solution.

The Solution

By working with a Private Bank who already had a relationship with the client through their wealth management arm, they were able to take a holistic view of the client’s financial position. A 90% LTV mortgage was structured with scheduled capital reductions over the first five years to reduce the exposure. Dual representation by the client’s solicitor, acting for both client and lender, enabled a smooth and timely transaction.

Result

The client secured their desired second home with minimal disruption to their existing assets and day-to-day schedule. This case demonstrates how Private Office lending partners deliver strategic solutions for high-earning professionals with evolving property needs.

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.