Case Study: 90% LTV Mortgage for Newly Promoted Legal Partner Buying First Home

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

Client Profile

A Partner at a law firm wanting to secure funding for their first property purchase — a three-bedroom home in Berkshire valued at £1.4 million. The client had recently been promoted to equity partner, which came with a substantial increase in income.

The Challenge

The client required a high loan-to-value mortgage but had only a modest deposit, given the timing of the promotion. Their income was made up of a base salary and profit distributions, and had only recently stepped up to reflect the new role. Traditional lenders were unable to account for the upward earning trajectory when calculating affordability.

The Solution

A lending partner considered the client’s full income profile, including recent uplift, profit share expectations, and long-term earning potential. A 90% LTV mortgage was structured on a 25-year term, with a two-year fixed rate to provide short-term payment certainty. The lender’s understanding of legal professional income patterns enabled a bespoke affordability approach.

Result

The client successfully completed their first home purchase with minimal capital outlay. This case illustrates how Private Office lending partners support newly promoted legal professionals with tailored high LTV solutions based on future income potential.

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.