Case Study: 95% LTV Mortgage for New Law Firm Partner

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

Client Profile

A recently appointed Partner at a leading international law firm approached one of our lending partners to purchase a five-bedroom family home in London. The client had recently transitioned to the new firm and was looking to buy ahead of selling his existing property.

The Challenge

The client sought to borrow approximately £2 million at a high loan-to-value ratio. His income was denominated in a foreign currency and included both salary and significant profit distributions. He required a lender able to assess his earnings trajectory holistically, factoring in future income and the strength of his professional background despite his short tenure at the new firm.

The Solution

Through a lending partner experienced in working with legal professionals, a 95% LTV mortgage was structured in two parts. The solution included a fully amortising tranche designed to reduce the LTV over the first five years, offering both immediate leverage and long-term financial planning flexibility. The lender’s comfort with foreign currency income and variable profit share enabled swift approval and tailored structuring.

Result

The client secured the property in the desired timeframe while maintaining liquidity for the sale of his previous home. This case illustrates how Private Office lending partners can offer high leverage to professionals with international earnings and forward-looking income profiles.

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.