Case Study: 90% LTV Mortgage for Newly Appointed Law Firm Partner with Low Deposit

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 recently appointed full equity partner at a leading international law firm was seeking to purchase a family home. The property had been secured following an extended search and several previously aborted offers.

The Challenge

While the client’s current earnings were strong, their recent promotion to equity partner meant they had not yet accumulated a substantial deposit. Post-completion liquidity would also be limited. Given the emotional importance of the property, and the time already invested in securing it, the client required a lender who could move efficiently and provide high leverage without lengthy delays.

The Solution

A lending partner offered a 90% loan-to-value mortgage on a capital and interest basis, structured over a 25-year term on a lifetime tracker rate. The structure balanced affordability with flexibility, allowing the client to secure the property without compromising future financial commitments.

Result

The client completed the purchase successfully and was able to move into the home she had been searching for over many months. This case illustrates how Private Office lending partners can offer high LTV solutions to newly promoted professionals, even in scenarios where liquidity and deposit levels are still building.

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.