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.
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.
Link to this answerThere 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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