Case Study: 90% LTV Mortgage for Hedge Fund Partner Purchasing Family Home

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

Client Profile

A hedge fund Partner looking to secure financing for a Grade II listed five-storey terraced house in South West London. The client was seeking a high LTV mortgage while preserving liquidity across existing investment positions.

The Challenge

The client’s income profile was layered and complex, comprising base drawings, bonus distributions, partnership profit share, and vesting stock. While overall earnings were substantial, traditional lenders struggled to appropriately assess affordability. The client was seeking to secure the property with minimal disruption to his investment strategy and required a solution that included structured capital reductions over time.

The Solution

We worked closely with a Private Office lending partner to conduct a detailed assessment of the client’s full income and asset position. A 90% LTV facility was structured from day one, with scheduled capital reductions over the first 15 years designed to reduce the LTV to 65%. Dual legal representation — with the same solicitor acting for both the client and the lender — ensured efficiency throughout the transaction.

Result

The client successfully acquired the property while maintaining investment flexibility and long-term wealth strategy. This case highlights how Private Office lending partners deliver strategic mortgage solutions for senior financial professionals navigating complex income arrangements.

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.