Case Study: 85% LTV Mortgage in 7 Weeks for HR Executive with Euro Income

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

Client Profile

A Chief Human Resources Officer at a global multi-national had recently relocated to the UK and was renting a five-bedroom countryside property in Surrey. The client wished to purchase the home they were living in and required a fast, high-leverage mortgage to secure the deal.

The Challenge

The client’s income was paid in euros and comprised multiple elements, including base salary, bonus, and stock options. Their compensation structure, while substantial, was complex and variable — making it difficult to assess affordability through traditional channels. With a deadline to complete the purchase, speed and structuring were critical.

The Solution

One of our lending partners arranged an 85% loan-to-value facility with a five-year fixed interest rate. The loan was split into two parts, incorporating an interest-only component to align with the client’s cash flow and financial planning. The integrated credit team enabled a seven-week turnaround from credit approval to completion, providing the speed and certainty required to secure the property.

Result

The client completed the purchase successfully and retained flexibility for their broader wealth strategy. This case demonstrates how Private Office lending partners deliver high LTV solutions at pace for internationally compensated professionals with complex income structures.

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.