Case Study: 90% LTV Mortgage Using Future Bonus and Property Sale Proceeds

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

Client Profile

A high-net-worth individual working in financial services wishes to finance the purchase of a new family home in North West London. The client’s income was heavily weighted towards discretionary annual bonuses.

The Challenge

The client had identified their next home but had not yet sold their current property. To proceed without delay, they required a higher loan amount to bridge the gap, with the intention of using future bonuses and eventual sale proceeds to reduce the mortgage balance. Their existing home was to be rented out in the interim.

The Solution

By partnering with a Private Office lender, they structured a 90% LTV mortgage from day one. The facility included scheduled capital reductions over the first five years, enabling the client to pay down the mortgage in line with bonus receipts and the sale of their previous residence.

Result

The client secured their new home swiftly and on their terms, without having to wait for the sale of their previous property. This case highlights how Private Office lending partners can deliver agile, forward-thinking solutions for high earners with deferred or variable income.

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.