Case Study: 90% LTV on £3m Mortgage for Returning Banking Executive

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

Client Profile

A senior banking executive was seeking finance following their return to the UK after an international assignment. The client, now based in London, had recently accepted a new role with a leading global financial institution and was seeking a £3 million mortgage to acquire a three-bedroom property.

The Challenge

The client required a 90% loan-to-value mortgage but had only recently started their new position, making it difficult to evidence future bonus income. A significant proportion of their wealth was tied up in a pension, collectable cars, and fine art. Although vesting share awards were part of the client’s employment package, they had not yet been realised.

The Solution

By working with a Private Office lending partner, they were able to structure a 90% LTV mortgage across two parts over a 15-year term. The solution included annual capital reductions in the first two years, aligned with the vesting schedule of the client’s awarded shares, which allowed the loan to reduce to 79% LTV. The lender took a holistic view of the client’s assets and wealth trajectory, allowing for a bespoke approach to affordability.

Result

The client secured their new London home with minimal friction, despite a recent career transition and unconventional asset composition. This case highlights how Private Office lending partners can craft intelligent, high-LTV lending strategies for globally mobile professionals with strong future earnings potential.

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.