Case Study: 85% LTV Mortgage for Investment Banker

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

Client Profile

A Managing Director in investment banking sought to purchase the £4 million+ London residence he and his family had been renting. His income was structured across multiple elements, including a base salary, annual allowance, bonus, and deferred stock – paid in both US Dollars and Pound Sterling.

The Challenge

The client required an 85% loan-to-value mortgage to complete a private sale agreed directly with the landlord. Traditional lenders were unable to accommodate the complexity of his income profile, which relied heavily on deferred and variable compensation, making affordability assessments more nuanced.

The Solution

Through one of our lending partners with a specialist team for investment banking professionals, a bespoke solution was secured. The mortgage was structured in two parts, incorporating an interest-only element, scheduled capital reductions over the first three years, and a longer-term amortising component. This approach provided the flexibility needed to reflect the client’s lumpy income profile while preserving liquidity.

Result

The transaction completed successfully, enabling the client to secure his family’s primary residence on favourable terms. This case highlights the value of specialist lending relationships when navigating complex income structures at higher loan-to-value thresholds.

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.