Identify who pays you and on what terms
We distinguish a salaried team role from independent racing or commercial activity. A sponsorship budget paid to a business may fund the racing programme rather than form personal income. Contracts, accounts and bank records should show the difference. Team changes and overseas work also need to be connected with the proposed mortgage term and property use.
Explain the costs attached to the income
Travel, management and programme costs may sit beside substantial gross receipts. Your accountant’s records and the ownership of any company help explain what the income represents and what obligations continue.
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
- Team or employment agreement
- Sponsorship and commercial contracts
- Accounts showing programme costs
- Company ownership and personal income evidence
- Residence, travel and property 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.
Income acceptance, borrowing amount and term depend on the lender’s individual assessment. Future playing contracts or sporting earnings are not guaranteed. Your home may be repossessed if you do not keep up repayments.
Your questions, answered
Is sponsorship funding personal mortgage income?
Not necessarily. Its purpose, recipient, costs and accounting treatment must be clear before any income figure is assessed.
Can expense reimbursements support borrowing?
Reimbursed costs should be separated from earnings. The lender assesses the actual income available to the applicant.
Explore the full athlete section →
Preparation guide reviewed 11 September 2026. General information; individual lender assessment is required. Further reading: MoneyHelper: buying a home and mortgages.