Case Study: £3m High LTV Mortgage for City Professional with Foreign Currency and BTL Income

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

Client Profile

A senior City professional sought to purchase and renovate a substantial family home in London. His financial profile included multiple income sources, such as foreign-denominated profit share and rental income from two investment properties. The client was also a non-domiciled UK resident, adding further tax and structuring complexity.

The Challenge

The client required a mortgage of approximately £3 million to cover both the property acquisition and cosmetic renovations. His earnings were not only irregular and partially foreign-denominated, but also subject to cross-border tax considerations. A lender was needed who could evaluate both income volatility and jurisdictional obligations to assess true affordability.

The Solution

One of our lending partners, experienced in working with international professionals, structured a full-amortising mortgage on a high loan-to-value basis. The facility was arranged over a 28-year term, tailored to accommodate the client’s income structure while offering long-term stability.

Result

The client successfully completed on the property and proceeded with the renovation as planned. This case underscores how Private Office lending partners can provide high-leverage funding for globally mobile professionals with layered income and jurisdictional complexity.

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.