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Sports Professionals

MORTGAGES FOR SPORTS PROFESSIONALS

We work with sportsmen and women throughout the entirety of their careers. Whatever sport you play professionally, whether you are a footballer, athlete, Rugby player or professional coach, getting a mortgage can be a little more complicated than you might expect. 

Our mortgage team can help you find the best mortgages for sport professionals and get you the property loan you require. Specialising in sports professionals’ mortgages means knowing how sports players income is made up, from short term contracts to appearance bonuses and win bonuses as well as subsidiary income from advertising and TV work.

We work with players receiving theorist professional contract through to clients nearing sports retirement age that may be moving into other sports related occupations such as paid TV or coaching work.
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Mortgages for sports professionals include homes for you and your family to live in, second homes you will stay in occasionally or property investment mortgages (Buy to Let) for property you will rent out. As your career develops there may be additional sources of income that can be used when applying for a loan as well as future plans that you may wish to consider. 

Professional athletes, despite their potential high net worth, are often viewed as a lending risk. This is often because of the short-term fixed contracts most clubs will offer. Depending on the nature of their sport, some professionals can be highly susceptible to injury that may cut their sporting career short or impact the amount or nature of remuneration they receive.

Sporting careers tend to have a shorter shelf life than others. Many sport professionals retire in their 30’s or 40’s, or even earlier in some cases. Some mortgage lenders may be willing to lend to sport professionals based on their age at the time of applying for the mortgage and their predicted retirement age.
 
Many sportspeople also receive additional sporadic income from factors such as bonuses, sponsorship and appearance fees. This can also prove difficult for a standard mortgage lender to assess.
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When you are looking for a mortgage as a sports professional, lenders are likely to consider the following points: 

How long you have been playing professionally? 

Many lenders will want to see that you have been a sport professional in your chosen field for at least two years. This allows them to assess income over time. However, some lenders many offer you a mortgage deal based on anticipated income if you have just been signed by a new club or sponsor.

Portability 

Many sportspeople travel regularly as part of their role, moving around nationally or internationally. Therefore, the portability of a potential mortgage deal is something that could be important, flexibility is key if you may need to relocate.

Residential Status
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If you are an overseas citizen and have moved to the UK to play professional sport, you could initially face difficulty getting as UK mortgage deal as you may not have any UK credit history. 
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If you or a family member is a professional sports person, it really is imperative you take advice from an experienced Mortgage Broker. We have built up a wealth of experience across the UK within a wide variety of Sports and stages of career. Whatever Sport you are involved with please do not hesitate to get in touch to see how we can help you.
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FILL IN THE FORM BELOW FOR MORTGAGE ADVICE

1. What are you looking to do? *

Choose as many as you like

  • First Time Buyer
  • Moving Home
  • Property Investment
  • Other

2. Current Contract length?

  • Less than 1 year
  • 1-2 years
  • 2-4 years
  • Over 4 years

What sources of income do you have?

  • Main club contract
  • Award (eg UK Sport)
  • Secondary short term contracts
  • Investments (eg Buy to Lets)
  • Sponsorship
  • Other

4. Your details *

Some details about you so we can get in contact

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Congratulations, one of our advisors will review your information and be in touch soon.


A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME OR PROPERTY. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.  CLICK HERE TO SEE OUR FEE INFO 

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME OR PROPERTY. THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE MOST FORMS OF BUY TO LET MORTGAGE.
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Prospect Tree Mortgages Ltd is an appointed representative of TenetConnect Services Ltd, which is authorised and regulated by the Financial Conduct Authority. TenetConnect Services Ltd is entered on the Financial Services Register (www.fca.org.uk/register) under reference 150643.
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Prospect Tree Mortgages Ltd is Registered in England and Wales under reference 10112043. Registered Office Address: Acorn Barn, Wembdon Business Park, Smeeth, Ashford, Kent, TN25 6SZ. 

​The information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
© COPYRIGHT 2018. PROSPECT TREE MORTGAGES LTD. ALL RIGHTS RESERVED.
  • Mortgages
    • First Time Buyer
    • Remortgage
    • Buy to let
    • Equity Release
    • Bridging Loans
    • Sports Professionals
    • Second charge mortgages
  • Services
    • Workplace Mortgage Clinics
    • Sports Professionals Financial Workshops
    • Partners & Introducers
    • Recommended Companies
    • Refer a friend
  • About
    • Meet The Team >
      • Nick Daynes
      • Ian Butt
      • Robin Newall
      • Matthew Lee
      • Graeme Childs
      • Fred Barham
      • Philippa Read
      • Philip King
      • Milo the dog
    • Reviews
    • Partnerships
    • Supported Charities
  • News
  • Contact
  • 0800 8620 840