Case Study: Long-Term Fixed Rate Mortgage for £7m Country Home

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

Client Profile

A senior private equity professional looking to purchase a newly constructed £7 million estate in the Cotswolds. The client held citizenship outside the UK and was remunerated in US Dollars, with tax obligations across two jurisdictions.

The Challenge

The client required a 75% loan-to-value interest-only mortgage with a substantial residual balance. His income comprised base salary, discretionary bonus, and carried interest, all paid offshore and subject to dual taxation. Additionally, the property itself was highly distinctive: a newly built residence set within 31 acres, including a separate coach house and multiple outbuildings.

The Solution

Working with a Private Bank they secured a 75% LTV interest-only mortgage against the £7 million property, using the client’s base salary as the primary affordability metric. Our lending partner worked with pace and precision to achieve completion within just four weeks, accommodating the complexity of both the borrower’s income and the rural property’s profile.

Result

The client successfully acquired a rare and architecturally significant estate with a bespoke lending structure that accounted for international income and taxation. This case demonstrates how Private Office lending partners deliver tailored, large-scale mortgage solutions with speed, discretion, and expertise.

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.