Mortgage for Morgan Stanley employee

Fox Davidson recently secured a large loan for an investment banker who required a flexible mortgage and from a lender that would look at their wider net assets position including vesting stock.

The Story

The client, an investment banker at Morgan Stanley, approached Fox Davidson with a specific set of requirements. Seeking a mortgage exceeding £1 million, the client needed a lender who would consider their vested stock and overall investments as part of the lending criteria. Fox Davidson’s specialisation in mortgages for investment bankers made them the ideal partner to address this complex financial scenario.

Understanding the Client’s Needs:

Our first step was to conduct a thorough assessment of the client’s financial portfolio. This involved delving into the specifics of their vested stock, overall investments, and income streams. Recognising the importance of tailoring the mortgage solution to the client’s unique circumstances, our advisor worked closely with the client to understand their short-term and long-term financial goals.

The Challenge

Navigating the Complexity of Vested Stock and Investments:

One of the key challenges in this case was the inclusion of vested stock and investments in the lending equation. We understand the intricacies involved in valuing and leveraging these assets. We collaborated with the client to gather necessary documentation, including stock statements, investment portfolios, and income statements, to present a comprehensive financial picture to potential lenders.

The Solution

Given the client’s distinctive financial requirements, we identified private banks with a history of catering to high-net-worth individuals and investment bankers. Leveraging our extensive network and industry knowledge to approach lenders who were well-versed in evaluating vested stock and investment portfolios as part of the mortgage approval process.

Negotiating a Flexible Offset Facility:

Fox Davidson successfully secured lending for the Morgan Stanley employee on a flexible offset facility with a private bank. This facility allowed the client to offset their mortgage balance with their liquid savings, resulting in reduced interest payments over the life of the loan. The flexibility of this arrangement aligned perfectly with the client’s financial strategy, offering a tailored solution that met both their short-term and long-term objectives.

Client Satisfaction and Long-Term Relationship:

The successful outcome of this case not only met the immediate financing needs of the client but also fostered a long-term relationship between Fox Davidson and the Morgan Stanley investment banker. The client expressed satisfaction not only with the favourable mortgage terms but also with the personalised approach and attention to detail demonstrated by Fox Davidson throughout the process.

Conclusion:

Fox Davidson’s ability to navigate the complexities of the client’s financial situation and secure lending on a flexible offset facility showcases their expertise in providing tailored mortgage solutions for investment bankers. By understanding the unique challenges posed by vested stock and investments, the team at Fox Davidson demonstrated their commitment to delivering personalised financial services that align with the specific needs of high-net-worth individuals in the finance industry. 

This case study serves as a testament to Fox Davidson’s proficiency in addressing the intricate financial landscapes of their clients, solidifying their reputation as a go-to mortgage broker for investment bankers in the UK.

To discuss mortgages for investment bankers with one of our advisors please do get in touch.