Case Study: 90% LTV Mortgage for Investment Banker with Foreign Currency Bonus

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

Client Profile

A senior executive at a global investment bank wants to finance the purchase of a five-bedroom townhouse in South West London. The client’s income included a sterling salary and significant annual bonuses paid in US dollars.

The Challenge

While the client had a strong earnings profile, the foreign currency element of their bonus introduced complications. Not only did it add volatility to income forecasting, but potential US tax liabilities on gains from foreign exchange transactions could affect affordability assessments. The client required a 90% LTV mortgage with structured capital reductions to avoid liquidating other assets.

The Solution

Working closely with a Private Bank to take a holistic view of the client’s earnings, taxation exposure, and longer-term plans. A 90% LTV mortgage was arranged with capital reductions over the first ten years, allowing the client to gradually reduce leverage to 65% while retaining investment flexibility.

Result

The client successfully acquired the family home without disrupting their global investment and compensation strategy. This case illustrates how Private Office lending partners structure intelligent, tax-aware lending solutions for professionals with complex, cross-currency income streams.

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.