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.
Bring the wider property picture
A retained family home, rental portfolio and planned move can create different lending needs. We set out which borrowing is being reviewed and involve tax or legal advisers where ownership changes are under consideration.
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
- Current employment or business evidence
- Existing mortgage balances and product dates
- Asset, liability and rental schedules
- Household budget and intended term
- Any documented repayment strategy
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
Does my previous salary still count?
It may explain your financial history, but a new assessment needs current income and an acceptable repayment basis.
Can substantial savings replace income?
They can be relevant to the overall picture, but they do not automatically establish affordability or a suitable mortgage route.
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Preparation guide reviewed 11 September 2026. General information; individual lender assessment is required. Further reading: MoneyHelper: buying a home and mortgages.