Case Study: 70% LTV SPV Mortgage for Private Banker Buying BTL Property in South West London

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

Client Profile

A Private Banker looking to purchase a £2 million buy-to-let property in South West London. The client held a complex income profile made up of salary, annual bonus, and deferred stock, with assets across both GBP and foreign currencies.

The Challenge

The client wished to acquire the property through a Special Purpose Vehicle (SPV) to benefit from tax efficiency and long-term portfolio strategy. This required a lender familiar with SPV structuring, BTL taxation, and cross-border wealth profiles. The complexity of income and asset denomination also demanded a lender who could take a global view of affordability and structure.

The Solution

A lending partner arranged a 70% loan-to-value mortgage on a five-year fixed rate, structured specifically for the SPV. The facility reflected the client’s income profile, asset base, and long-term investment objectives. The transaction was completed on a five-year term, providing both financing certainty and alignment with the SPV’s lifecycle strategy.

Result

The client successfully completed the acquisition, adding to their investment portfolio while preserving personal liquidity. This case illustrates how Private Office lending partners structure BTL finance through SPVs for professionals with global income and wealth 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.