Case Study: £2m High LTV Mortgage for Legal Professionals with Existing Property Portfolio

Case Study: 85% LTV Mortgage for Investment Banker

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

Client Profile

Two senior legal professionals approached us to secure funding for the purchase of their new family home in Essex. In addition to their main residences, they jointly owned several other properties, including buy-to-let investments and a home occupied by a relative.

The Challenge

The clients were seeking a high loan-to-value mortgage without liquidating existing properties immediately. Their income structures included monthly salaries, discretionary bonuses, and deferred stock options — requiring nuanced affordability analysis. With assets tied up in other properties and income streams partially deferred, the structure had to accommodate both short-term leverage and long-term financial planning.

The Solution

A lending partner assessed the clients’ total wealth position and structured a £2 million facility on a 20-year term, with an initial five-year fixed rate. The mortgage was arranged predominantly on an interest-only basis, incorporating tailored amortisation and annual capital reductions. This gave the clients the flexibility to secure their new home while maintaining the option to sell or retain their existing property portfolio over time.

Result

The transaction completed smoothly, allowing the clients to acquire their ideal family residence without needing to delay the purchase or force a premature sale of other assets. This case highlights how Private Office lending partners can deliver flexible, high LTV mortgages for clients with layered income and significant existing holdings.

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.