Case Study: 90% LTV Mortgage for Investment Banking Director with USD Income

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

Client Profile

An investment banking director was seeking to purchase a six-bedroom home in south-west London for £3 million.

The Challenge

The client’s income included a base salary, monthly allowance, discretionary bonus, and deferred stock awards — with elements denominated in US Dollars. The complexity of both the income mix and FX exposure meant that traditional lenders struggled to assess affordability accurately. The client also required 90% LTV financing, which limited the pool of suitable options.

The Solution

A lending partner arranged a 90% LTV facility with a staged repayment structure. The mortgage was initially structured with interest-only terms and scheduled capital reductions over the first five years, at which point the loan transitions into a fully amortising repayment profile. This approach allowed the client to purchase the home with minimal upfront capital, while reducing leverage in line with income progression and long-term financial goals.

Result

The client completed the purchase and secured their family home while maintaining liquidity and flexibility. This case demonstrates how Private Office lending partners can provide bespoke, high-LTV lending for individuals with complex compensation structures and foreign currency exposure.

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.