Case Study: £3m Investment Loan for SPV-Purchased Nine-Unit Block in London

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

Client Profile

A serial entrepreneur and seasoned property investor sought to acquire a nine-unit residential block in London via a Special Purpose Vehicle (SPV). With existing holdings across sectors including student accommodation and retail, the client had a complex investment profile and required a swift, structured lending solution.

The Challenge

The acquisition needed to complete within eight weeks, and the property itself presented underwriting challenges. Three of the nine units were compact studios, and the lender needed to assess the investment value of the entire block rather than rely on individual unit valuations. Rental income projections also had to account for cosmetic improvements yet to be made.

The Solution

One of our lending partners arranged a £3 million interest-only investment loan, representing 70% loan-to-value, to the SPV. The facility was structured on a five-year term with a condition that seven units be let prior to completion, thereby mitigating income risk and ensuring serviceability. The lender’s ability to assess both the client’s track record and the asset’s income potential allowed for a tailored, commercially viable solution.

Result

The mortgage completed within the required timeframe, enabling the client to secure the block and expand his investment portfolio. This case showcases the value of specialist lending partners able to move at speed and structure facilities around both the asset and the borrower’s wider profile.

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.