Illustrative scenario 01A new club contract
A footballer is considering a home purchase after agreeing a contract. The term, basic pay and conditions need review.
Useful information for the conversation
- Club contract and end date
- Payslips and bonus terms
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
Illustrative scenario 02Appearance-linked earnings
A player's total pay includes variable bonuses. The mortgage assessment must separate guaranteed and contingent amounts.
Useful information for the conversation
- Payslips and bonus terms
- Image-rights or sponsorship evidence
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
Illustrative scenario 03A loan move or transfer
A player has changing work and location arrangements. The actual contract and intended property use need clarity.
Useful information for the conversation
- Image-rights or sponsorship evidence
- Other borrowing and longer-term plans
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
Illustrative scenario 04Evidence focus: Break the contract into assessable earnings
A professional athlete wants to discuss footballer mortgages. Two points need attention: club contract and end date; payslips and bonus terms. Basic salary, appearance bonuses, promotion incentives and image-rights income have different certainty and evidence. The evidence and the decision need to be considered together rather than in isolation.
Useful information for the conversation
- Other borrowing and longer-term plans
- Club contract and end date
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
Illustrative scenario 05Decision point: Image-rights or sponsorship evidence
A professional athlete has started a conversation about footballer mortgages, but the brief has changed. The review revisits two points: image-rights or sponsorship evidence; other borrowing and longer-term plans. The next step is agreed using the updated facts, with any unresolved questions recorded.
Useful information for the conversation
- Club contract and end date
- Payslips and bonus terms
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
The wider assessment
Break the contract into assessable earnings
Basic salary, appearance bonuses, promotion incentives and image-rights income have different certainty and evidence. Contract expiry and possible moves can affect affordability. We discuss a repayment term that makes sense beyond the current deal.
Future transfers or contract renewals are not guaranteed. Do not base borrowing on unconfirmed future wages.