Case Study: Upsizing via Remortgage of Existing Properties

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

Client Profile

A successful couple working in investment banking and technology approached our lender partner. Their income included base salary, substantial bonuses, stock options, and deferred cash, but the majority of their net worth was held in property and pensions. They had identified a larger flat within their existing building in Prime Central London and wished to proceed quickly.

The Challenge

The couple wanted to secure the new residence before selling their current one, which was likely to move fast in the open market. However, their wealth was not readily liquid, and the deposit needed to be raised without triggering a sale of investments or waiting for the property chain. They also owned a second home, which presented additional security options but added complexity.

The Solution

Working with a Private Bank they structured a bespoke Home Link Mortgage across all three properties. The total facility covered the full cost of the transaction and was split into two parts: 

Part One: An interest-only mortgage secured against the new residence and their second home, with annual capital reductions over the first five years.
Part Two: A two-year, interest-only facility secured against their current main residence, designed without early repayment penalties to allow flexibility when the property sold.

This structure enabled the clients to act swiftly on their desired purchase while preserving liquidity and control over the timing of their asset disposal.

Result

The clients secured their dream home ahead of other buyers without selling under pressure. This case demonstrates how Private Office lending partners create elegant, time-sensitive solutions by leveraging existing wealth across multiple properties.

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.