Case Study: 90% LTV Mortgage for Couple with USD Bonus and Stock Awards

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

Client Profile

A fund manager — sought to upsize their London family home, purchasing a £3 million property. Their combined income included discretionary bonuses and Restricted Stock Units (RSUs), with a portion paid in US Dollars and subject to vesting schedules.

The Challenge

The clients required a 90% loan-to-value mortgage, despite having a compensation structure reliant on performance-linked bonuses and deferred stock. Foreign currency exposure and tax implications surrounding RSU vesting added further complexity. Affordability needed to be assessed holistically, with a clear understanding of income timing and tax treatment across jurisdictions.

The Solution

One of our lending partners arranged a bespoke interest-only mortgage on a 25-year term, offering 90% LTV from day one. The structure allowed for flexible capital reductions over time, aligned with the clients’ irregular income pattern. The lender also accepted a future downsizing strategy as a credible repayment plan, reflecting their understanding of long-term wealth management goals.

Result

The couple completed the purchase successfully and retained liquidity during a key phase in their financial planning. This case illustrates the adaptability of our Private Office lending partners when supporting professionals with foreign currency earnings, deferred compensation, and complex repayment needs.

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.