Case Study: Offshore Income Mortgage and Capital Raise for Returning UK Director

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

Client Profile

A returning UK national, following several years building businesses abroad, sought to acquire a new main residence while retaining an existing UK property. His income comprised a mix of overseas salary, trust distributions, and dividend flows from international holdings.

The Challenge

The client required both a new mortgage and a capital raise against an existing UK property. His income structure was complex, involving trust distributions, trading company flows, and multi-jurisdictional tax exposure. Rental income from property overseas also contributed to affordability. A lender was needed who could assess offshore income streams, evaluate foreign currency volatility, and understand the commercial health of overseas entities post-COVID.

The Solution

A lending partner arranged a blended facility comprising two components: a £400,000 capital raise secured against the client’s existing UK property, and a £1.5 million mortgage on the new home, totalling a blended LTV of 64%. The facility was interest-only over a five-year term, with the planned sale of an Australian investment property forming part of the long-term repayment strategy.

Result

The structure allowed the client to complete the purchase of his new residence while retaining his previous property as a base for visiting family. This case highlights how Private Office lending partners can structure intelligent, multi-asset solutions for globally mobile clients with layered income and offshore complexity.

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.