Case Study: 80% LTV Mortgage with BTL Remortgage and Capital Raise for Investment Banker

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

Client Profile

An investment banker seeking support for the acquisition of a six-bedroom family home. The client had a layered compensation structure typical of the sector, including base salary, cash bonus, and deferred stock awards.

The Challenge

The client wished to retain their current property and avoid a sale, opting instead to raise capital against it. Speed was essential, and a high loan-to-value mortgage was needed to fund the purchase of the new home. The income structure, combined with the dual-asset scenario, required a lender with experience in private client lending and consumer buy-to-let structuring.

The Solution

A lending partner arranged an 80% LTV facility, structured as a consumer buy-to-let mortgage on the client’s existing residence. The loan was provided on a five-year fixed rate, interest-only, with annual capital reductions built in to reduce leverage over time. This enabled the client to release the required equity and secure the new family home without delay or disruption to their existing property portfolio.

Result

The client completed the purchase of the new property while retaining ownership of their former residence — now let on a compliant basis. This case highlights how Private Office lending partners can structure sophisticated, multi-property solutions for time-sensitive, high-income professionals.

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.