Illustrative scenario 01Moving clubs and moving home
A player signs with a club in another city while keeping a mortgage on their current home. The sale timetable and new contract need to be assessed together.
Useful information for the conversation
- Signed club contract and remaining term
- Payslips and separate match-payment records
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 02International fees alongside club pay
A player receives occasional international match payments. The enquiry separates these from guaranteed club salary and shows the periods when they were received.
Useful information for the conversation
- Payslips and separate match-payment records
- Sponsorship agreements and receipt history
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 partner with steady earnings
A rugby player and an employed partner plan a joint purchase. Their income, liabilities and different employment horizons need one household assessment.
Useful information for the conversation
- Sponsorship agreements and receipt history
- Existing borrowing and household costs
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 04A contract renewal still being discussed
A player wants to remortgage while a renewal is under negotiation. The application must use confirmed terms and explain what remains unresolved.
Useful information for the conversation
- Existing borrowing and household costs
- Confirmed plans for relocation or future employment
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 05Coaching after playing
A player approaches the end of a playing career with an agreed coaching role. The new contract and transition dates become central to the mortgage review.
Useful information for the conversation
- Confirmed plans for relocation or future employment
- Signed club contract and remaining 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.
The wider assessment
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.
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.