Case Study: 75% LTV Remortgage for with USD Income and Alternative Assets

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

Client Profile

A former investment banker following the sale of one of his ventures, had acquired a new main residence and built a diversified portfolio of alternative assets, including significant holdings in gold and silver.

The Challenge

The client sought to remortgage the property to release capital for a personal expense. Although financially secure, the client’s wealth was largely tied up in non-traditional assets and held offshore. Their primary income was received in USD, requiring a lender with an understanding of both foreign currency risk and non-standard wealth structures.

The Solution

A lending partner structured a revolving credit facility secured against the client’s primary residence at 75% loan-to-value. The lender incorporated income from the client’s alternative asset holdings and investment performance into affordability calculations. The facility provided liquidity on flexible terms, and the client also benefited from additional support regarding their FX requirements.

Result

The client successfully released capital while preserving their diversified investment strategy. This case demonstrates how Private Office lending partners can structure flexible remortgage solutions for high-net-worth individuals with foreign income and alternative wealth.

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.