Case Study: £7.65m Mortgage Completed in 12 Business Days for Entrepreneur with Offshore Trust Income

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

Client Profile

A UK-based entrepreneur with significant ownership in a privately held international company.  Their wealth was concentrated in private company equity and held in an offshore trust. Over the preceding five years, their income structure had shifted significantly, with a move from traditional salary and bonus to dividend-led remuneration.

The Challenge

The client required urgent financing to complete the purchase of a substantial property, having already progressed legal due diligence with another lender. However, that lender could not meet the client’s tight timeline or offer sufficient leverage. A new lender needed to step in and complete within three weeks, with an enhanced loan-to-value structure.

Given the change in income type, the lender was required to undertake detailed due diligence on the company’s financial health and dividend distribution policy to support long-term affordability.

The Solution

One of our lending partners arranged a £7.65 million mortgage at 75% LTV, completed just 12 business days after initial enquiry. The loan was structured on an interest-only basis over a 10-year term, with a planned capital reduction after year two, reducing leverage to 65% LTV. This provided both immediate purchasing power and a clear long-term de-gearing strategy aligned with the client’s wealth planning objectives.

Result

The mortgage completed well within the deadline, allowing the client to proceed confidently with the acquisition. This case exemplifies the agility of our Private Office lending partners in delivering large, tailored mortgage solutions against complex financial profiles, under tight time constraints.

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.