Case Study: 85% LTV Mortgage for Investment Banking MD

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

Client Profile

An MD at a leading investment bank was seeking to finance the purchase of a London family home he had been renting. The property, valued at over £4 million, was secured via a private sale with the landlord.

The Challenge

The client required an 85% loan-to-value mortgage despite a complex and international income structure. His remuneration included a mix of US Dollar and Sterling payments comprising base salary, annual allowances, cash bonus, and deferred stock. Traditional affordability assessments would overlook a significant portion of his true earnings potential.

The Solution

By working with a Private Office lending partner experienced in banking remuneration, they secured an 85% LTV mortgage structured in two parts: an interest-only facility with scheduled capital reductions during the first three years, and a longer-term amortising element. This flexible structure aligned with the client’s compensation cadence while supporting the efficient acquisition of the property.

Result

The client successfully purchased his primary residence through a seamless off-market transaction, maintaining liquidity and preserving investment strategies. This case illustrates how Private Office lending partners can unlock homeownership for senior finance professionals with complex income profiles.

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.