Case Study: £2.7m Mortgage for Investment Banking Director

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 looking to acquire a £3 million six-bedroom residence in Prime Central London. The client’s remuneration package included base salary, annual bonuses, allowances, and deferred stock awards – with a portion of income denominated in US Dollars.

The Challenge

Securing a high loan-to-value mortgage was essential to complete the purchase. However, the client’s multi-faceted income, including foreign currency exposure and deferred compensation posed challenges for standard lenders. A tailored underwriting approach was required to reflect the true affordability of the borrower.

The Solution

Through one of our established private bank lending partners, a 90% LTV facility was arranged. The structure included an interest-only period, followed by capital reductions over five years, gradually bringing the LTV in line with long-term targets. This solution aligned with the client’s cash flow and wealth planning strategy, offering flexibility while preserving liquidity.

Result

The mortgage completed successfully, allowing the client to proceed with confidence. The bespoke structure delivered through our lending partner demonstrates how Fitch & Fitch Private Office can facilitate access to sophisticated mortgage solutions for clients with complex global 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.