Mortgages & Property
Buying your first home, relocating for a new contract, or building something that outlasts your playing career.
Most lenders are built around a predictable monthly salary. Sporting income rarely looks like that. Short contracts, signing-on fees, bonuses, image rights and spells overseas can all make an application harder than it should be, even on a strong income.
Getting the structure right early — and working with lenders who understand how sport pays — can make the difference between an offer and a decline.
Residential mortgages, remortgaging, buy-to-let and portfolio lending, together with the protection that sits alongside a mortgage.
We look at what you earn, how long your contract runs and what you want the property to do for you, then match that to lenders who will take a realistic view of a sporting income.
“I’m buying my first house.” “I’m moving clubs and need somewhere by pre-season.” “My fixed rate ends next year.” “I want to keep this one and rent it out.”
Each of those is a different conversation, and each is easier the earlier it starts. A decision in principle before you start looking is worth more than a fast application once you have found somewhere.
We start with your contract, not a product list — how long it runs, how you are paid, and what is likely to change in the next few years.
From there we explain which lenders are realistic, what they will want to see and what the costs are, and we handle the application through to completion. When your contract or club changes, we review it again.
Franklyn have been a huge support to me personally and I’ve found their advice and approach to be really effective whilst I have been locked into my BMX career.
Ready to make your next move?