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.
How I approach the case
We begin with what you want to achieve, your timescale and any part of the case that needs explaining. I review the evidence and suitable lender routes, then explain the available options and their costs. A recommendation follows the individual assessment; an initial conversation does not commit you to an application.
Where legal, tax or other specialist advice is needed, we identify it early so the finance fits the wider transaction. Tell me about any change in employment, borrowing, deposit or property details before proceeding.
What to prepare
- Club contract and end date
- Payslips and bonus terms
- Image-rights or sponsorship evidence
- Other borrowing and longer-term plans
You do not need every document before saying hello. Start with a short outline; detailed or sensitive records should follow through an agreed secure route.
Future transfers or contract renewals are not guaranteed. Do not base borrowing on unconfirmed future wages.
Your questions, answered
What should an employed professional bring to the first conversation?
A useful outline includes basic pay, variable earnings, contract type, current commitments and the property budget. If pay is changing, explain why and when. Contracts and a history of bonuses or other earnings may help clarify the position, without assuming every element will be accepted.
Can you work around training, travel or a busy schedule?
Tell me the best contact method, time zone and any periods when you are unavailable. We can agree how to request information and provide updates. If an agent, accountant or other representative is involved, we first establish your permission and the limits of that contact.
How do future career changes affect the discussion?
Plans to move employer, work abroad, change a contract or reduce working hours should be discussed early. The borrowing needs to fit the evidence and the longer-term plan. A particular profession or career profile does not guarantee a mortgage or a specific borrowing amount.
Further reading: MoneyHelper: mortgages and homebuying. Content reviewed 9 September 2026. General information; availability depends on the individual case.