Separate the income
Identify contracted earnings, variable bonuses and sponsorship arrangements.
Jack Cousins · Athlete mortgages
Your career moves fast. Your mortgage needs a plan.
Mortgage conversations for professional athletes with contracts, bonuses, sponsorship income or a potential move overseas. Start with the evidence and career timetable.
07456 935677 · jack@lockhartmurphy.com
Mortgage and protection advice is provided through Mortgage Force (UK) Ltd. Scope, eligibility and any fees are discussed before proceeding.
Your home or property may be repossessed if you do not keep up repayments on your mortgage or other loans secured upon it.
A useful starting pointPut the right details
Put the right details
on the table.
Begin with an outline. Jack will explain what needs a closer look and which documents would be useful next.
Consider the timeline
Contract length, career stage and a future change in location can matter.
Connect the wider plan
Discuss property, protection needs and the professionals already supporting you.
Your next stepTell me where
Tell me where
you’re starting.
A short outline is enough for the first conversation. Please leave out passports, account numbers and sensitive documents.
Useful things to have in mind
- Playing or employment contract
- Bonus and sponsorship history
- Accounts or tax records
- Career stage and repayment plans
Jack Cousins
Head of Mortgages
Lockhart Murphy
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Will every part of my sporting income count?
Not necessarily. A lender may treat guaranteed earnings, appearance payments, bonuses and sponsorship differently and require separate evidence.
There is no promise of a mortgage, rate or timescale. Each case depends on the lender’s assessment and the complete circumstances.
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