Build the budget around the contract you have
Start with guaranteed club pay, the contract end date and any conditions attached to renewal. Appearance fees, international match payments and sponsorship should each be evidenced separately. A new signing, relocation or period away from the squad can change the picture, so we discuss the current facts before choosing which lenders to approach.
Plan for the next career stage
A mortgage may continue beyond a playing contract. We discuss your intended term, household commitments and evidenced income outside rugby. A possible coaching or media role is a plan to explore, not earnings to assume in advance.
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
- Signed club contract and remaining term
- Payslips and separate match-payment records
- Sponsorship agreements and receipt history
- Existing borrowing and household costs
- Confirmed plans for relocation or future employment
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
Can international match fees be considered?
They can be discussed, but acceptance depends on their evidence, history and the lender’s assessment. They should not be presented as guaranteed club salary.
Should I wait until my contract renews?
A conversation can start now. Whether an application should wait depends on the present contract, renewal evidence and your purchase or product deadline.
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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.