mortgages for
Sports Professionals
Mortgages for
Sports Professionals
At Bright Money Independent, we understand the unique challenges sports professionals face when securing a mortgage. Careers in sports often come with irregular income patterns, shorter career spans, and additional complexities that traditional mortgage lenders may not be equipped to handle.
That’s why we specialise in finding tailored mortgage solutions to meet the distinct needs of athletes and other sports professionals.
Why Sports Professionals
Face Challenges in
Getting a
Mortgage
A career in sports, while rewarding, presents financial challenges that can impact mortgage applications:
Sponsorship income
Can be used depending on the contracts
Shorter Career Spans
Some lenders may limit lending terms to align with the typical retirement age in sports, which can result in higher monthly payments.
Career Transitions
Moving into coaching, TV work, or other roles post-retirement can complicate income verification for lenders.
Irregular Income
Income sources such as bonuses, sponsorships, and endorsements can vary, making it difficult to meet traditional lending criteria.
Bonus income
We can look at previous years and take this into consideration
At Bright Money Independent, we work to overcome these obstacles, ensuring your unique financial situation is not a barrier to homeownership or property investment.
Tailored Mortgage Solutions for Sports Professionals
We provide bespoke mortgage services for:
1
Primary Residences
Secure your dream home for you and your family
2
Second Homes
Flexible financing for properties you use occasionally
3
Buy-to-Let Investments
Build a portfolio for long-term financial security
Our expert advisers consider all sources of your income—such as appearance fees, sponsorships, and advertising revenue—and tailor solutions that work for your current and future financial situation.
Features of
Mortgages for Sports Professionals
Flexible Lending Criteria
Lenders that specialize in sports professionals understand the nature of your income and career. Key features include:
Future Earning Potential
Lenders may take your career trajectory and post- retirement plans into account.
Consideration of Bonuses and Endorsements
Appearance fees, win bonuses, and subsidiary income are factored into affordability assessments.
Customised Mortgage Terms
Options for short or long mortgage terms to suit your unique needs.
Support for Poor Credit
Even with less-than-perfect credit, there are still options. Some lenders focus on your overall financial health, including future earning potential, rather than solely your credit history. Our advisers can guide you through improving your credit score or exploring alternative solutions.
the why
Why Choose Bright Money Independent?
We are an expert mortgage broker with over 280 five-star Google reviews, trusted by clients across the UK. Here’s why we’re the right choice for sports professionals:
Specialist Expertise
Our team has extensive experience helping athletes navigate complex financial situations.
Access to a Wide Range of Lenders
We search the comprehensive range of lenders across the market to find competitive mortgage deals for you.
Fast & Efficient Service
We know time is precious and aim to secure the right mortgage quickly.
Discretion Guaranteed
Your privacy is our priority, ensuring a smooth and confidential process.
our help
How Bright Money Independent Can Help
We have helped athletes from various sports—including football, rugby, cricket, and more—secure the right mortgage for their needs. Whether you’re signing your first professional contract or preparing for life post-retirement, we can assist with:
High loan-to-value mortgages
Interest-only or offset mortgage options
Advice on property investment for long-term financial stability
Documentation Needed?
What documentation do I need to apply for a mortgage as a sports professional?
Payslips or evidence of salary
Details of sponsorship or endorsement income
Your sports contract(s)
Tax returns or SA302s if you are self-employed or have additional income streams
Bank statements showing regular income and outgoings
Can Bright Money Independent
help with refinancing or
remortgaging?
At Bright Money Independent, we understand the unique challenges sports professionals face when securing a mortgage. Careers in sports often come with irregular income patterns, shorter career spans, and additional complexities that traditional mortgage lenders may not be equipped to handle.
That’s why we specialise in finding tailored mortgage solutions to meet the distinct needs of athletes and other sports professionals.
How can I prepare for a mortgage application as a sports professional?
To improve your chances of securing a mortgage:
1
Organise your financial documents, including contracts, payslips, and bank statements
2
Work on improving your credit score, if needed
3
Avoid taking on new debts or large expenses before applying
4
Speak with our advisers early to identify suitable lenders and streamline the process
How can I get started?
We’re here to make the process stress-free and efficient.
It’s simple! Contact Bright Money Independent today, and one of our expert advisers will help you find the right mortgage tailored to your unique needs.
Get Started Today
FAQs
for
Sports
Professional
Mortgages
What is a mortgage for sports professionals?
A mortgage for sports professionals is designed for individuals whose income comes from professional or semi-professional sport. These mortgages account for non-standard income patterns such as short contracts, bonuses, prize money, or sponsorship income.
Who is considered a sports professional for mortgage purposes?
Lenders may class you as a sports professional if your main income comes from playing, competing, coaching, or officiating in sport. This can include athletes, footballers, cricketers, rugby players, golfers, and other competitive professionals.
How do lenders assess income for sports professionals?
Income is usually assessed manually rather than through standard affordability models. Lenders may average earnings over several years and consider contracts, prize money history, endorsements, and secondary income sources.
Are short-term or fixed-length contracts accepted?
Yes, some lenders will consider short-term contracts, particularly where there is a clear history of renewals or a strong track record in the sport. Future earning potential and career stability may also be reviewed.
Can bonuses and prize money be included in affordability?
In many cases, yes. Regular bonuses, appearance fees, and prize money can be included if they are consistent and well evidenced. Lenders usually average this income over a defined period.
Do sports professionals need a larger deposit?
Not necessarily. Deposit requirements depend on the overall strength of the application, including income stability, contract history, and credit profile. Some lenders may require higher deposits for higher-risk cases.
Are mortgage rates higher for sports professionals?
Rates are not automatically higher. Where income is well documented and the application is strong, sports professionals may access rates similar to standard residential mortgages.
Can self-employed or sponsored athletes get a mortgage?
Yes. Athletes who are self-employed or receive sponsorship income may be eligible, provided income is sustainable and supported by contracts, accounts, or bank statements.
How does career length affect mortgage applications?
Lenders are aware that sporting careers can be shorter than traditional professions. They may consider future plans, qualifications, coaching roles, or alternative income streams when assessing longer mortgage terms.
Can sports professionals remortgage or release equity?
Yes. Remortgaging or equity release may be possible where income remains stable or assets support the borrowing. Lenders assess remortgage applications in much the same way as purchases.
Is a mortgage broker important for sports professionals?
Yes. Mortgages for sports professionals often require specialist lender selection and careful presentation of income. A broker can help identify lenders experienced in assessing sporting income.
