Illustrative scenario 01A new career after retirement
A former athlete begins a salaried role. The new employment terms and current household commitments form the basis of the enquiry.
Useful information for the conversation
- Current employment or business evidence
- Existing mortgage balances and product dates
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 02Media work and coaching income
A retired player combines broadcasts and coaching. Contracts and accounts need to explain the mix and its variability.
Useful information for the conversation
- Existing mortgage balances and product dates
- Asset, liability and rental schedules
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 mortgage term beyond playing income
A homeowner reviews borrowing that continues after sport. The assessment considers current evidenced resources rather than former peak earnings.
Useful information for the conversation
- Asset, liability and rental schedules
- Household budget and intended term
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 04Restructuring an existing portfolio
A former athlete has several rental properties with different renewal dates. A reconciled property schedule helps prioritise the reviews.
Useful information for the conversation
- Household budget and intended term
- Any documented repayment strategy
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 05Downsizing while retaining investments
A former player sells a larger home and considers a new mortgage. Sale proceeds, retained assets and the repayment plan need to be mapped separately.
Useful information for the conversation
- Any documented repayment strategy
- Current employment or business 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.
The wider assessment
Assess the income you have now
Previous sporting earnings can explain how assets were built, but they are not automatically current mortgage income. We review employment, coaching, media, business or rental earnings using the relevant evidence. Savings and other assets need to be distinguished from a sustainable repayment source. Existing mortgages and their end dates belong in the same review.
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.