Case Study: 75% LTV Mortgage for Private Equity Partner

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

Client Profile

A senior private equity partner approached one of our lending partners to secure a mortgage for a four-bedroom family home in London. His income included a euro-denominated salary, annual bonus, and variable carried interest linked to fund performance.

The Challenge

The client’s remuneration was multi-layered and subject to foreign exchange fluctuations, with carried interest and bonus payments both variable and discretionary. He had recently joined the firm, which introduced further underwriting complexity despite a strong historical track record. A lender was required who could assess his overall financial standing holistically, beyond conventional affordability models.

The Solution

Our lending partner structured a 75% loan-to-value mortgage on a two-year fixed-rate basis, taking into account the client’s full compensation profile and career history. The underwriting team applied a specialist approach to assess future earning potential and currency exposure, enabling swift approval without compromise on loan size or terms.

Result

The client and his partner completed on the purchase efficiently, securing their desired family home in a competitive London market. This case demonstrates the ability of our lending partners to support private equity professionals with cross-border income, performance-linked remuneration, and complex structuring needs.

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.