Case Study: High LTV Mortgage for Country Estate Purchase by Private Equity Partner

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

Client Profile

A senior executive in private equity seeking to acquire an eight-figure country estate with extensive acreage. The client’s ambition was to secure their long-term family residence outside London, reflecting a growing trend among high-net-worth professionals post-pandemic.

The Challenge

The property’s value placed it firmly in the ultra-prime rural bracket, with limited comparable transactions and a small pool of potential buyers. The client required a high loan-to-value facility on an interest-only basis, a structure rarely available at this level. Additionally, a significant proportion of the client’s income came from carried interest and co-investment returns within their private equity fund, presenting challenges around income verification and affordability modelling.

The Solution

Our Private Office lending partner took a tailored approach, drawing on extensive experience in advising private equity professionals. The client’s historic carried interest distributions were reviewed in detail, with 70% of this income accepted in the affordability calculation due to the proven performance of both the fund and the client.

A bespoke twenty-year facility was structured in two parts: 

Part One: A substantial interest-only mortgage reflecting the client’s preference to retain liquidity and capital flexibility.
Part Two: A smaller, fully amortising facility aligned with a future downsizing strategy.

This dual-structure allowed the client to purchase the estate efficiently while preserving their long-term investment position.

Result

The client secured their desired rural estate with a bespoke lending structure that mirrored their income profile and long-term goals. This case illustrates how Private Office lending partners deliver nuanced solutions for clients acquiring rare and high-value countryside homes.

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.