Case Study: 80% LTV Mortgage 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

An internationally based entrepreneur, recently relocated to the UK, sought to purchase a £4 million family residence in the Home Counties. The client’s income was derived from a global business held in an offshore trust, with remuneration structured through a combination of salary and irregular foreign currency dividends.

The Challenge

Macroeconomic events, including the Covid-19 pandemic, had temporarily affected the client’s earnings. He required a high loan-to-value mortgage to complete the purchase. However, the complexity of his income structure – including foreign exchange risk, trust-based ownership, and tax exposure – required a lender with specialist understanding. The lender worked closely with the client’s accountant to assess the health of the underlying business and the sustainability of future income.

The Solution

A lending partner arranged an 80% LTV mortgage on a ten-year term. The loan was structured in two parts, incorporating a small amortising element to reduce the LTV over time. The client also intended to make overpayments, providing additional reassurance. The flexibility and understanding shown by the lender allowed the mortgage to be tailored around the trust structure, global income, and long-term financial plans.

Result

The transaction completed successfully, enabling the client to secure his family’s new home while retaining his international financial structure. This case exemplifies how Private Office lending partners can accommodate sophisticated wealth planning strategies and non-standard income profiles with discretion and agility.

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.