Mortgages for Athletes
Welcome to Prospect Tree Mortgages – the independent mortgage experts who specialize in helping sports professionals secure the right mortgage for their needs. Whether you’re a seasoned athlete with fluctuating income from bonuses and endorsements or an up-and-coming player with a smaller basic salary, we have the experience and expertise to help you find the right mortgage to suit your unique circumstances. Our team has worked with athletes from a variety of sports, including rugby, cricket, football, and Olympians. We understand the challenges and opportunities that come with your profession, and we’re here to help you navigate the mortgage process with ease. Contact us today to learn more.
Tailored Mortgages for Sports Professionals
As a sports professional, your income stream is unique and could require a specialist lender to help you secure the right mortgage. We have years of experience working with athletes and sports professionals, and we know how to find the right mortgage for your income stream.
Exclusive Rates for Professional Athletes
We have access to exclusive rates that are only available to professionals, which means you could secure a mortgage with more favourable terms that you may find elsewhere. Our advanced knowledge of lender criteria ensures we find the best deals available to you and your circumstances.
Fast & Efficient Sports Mortgage Service
We understand that time is of the essence when it comes to securing a mortgage, and we pride ourselves on our ability to deliver a fast and efficient service. With our streamlined process, we can help you secure the right mortgage in record time.
Flexible Mortgages to Suit Your Needs
We understand that traditional mortgage lenders may not be able to accommodate the unique circumstances of sports professionals. That’s why we have a more flexible approach to lending, and can work with you to find a solution that fits your individual needs.
England & Kent Cricketer
A huge thanks to Prospect Tree Mortgages… Always willing to answer my questions and been excellent!
Harlequins
A big shout out to Prospect Tree … they made it really easy for me and they were really reassuring and supportive.
Gloucester Rugby
Made the process massively easy with some great communication. Bespoke, great service with constant updates.
Wasps
Thanks for everything!
Olympic Rower
They helped me a lot whilst I was an athlete and have now helped me secure a great mortgage!
Stevenage Town
Very helpful along the way and easy to talk to. Very dependable and made the whole process very easy.
Northampton Saints
Massive thank you to the team at Prospect Tree Mortgages. They made sure I had all the information I needed.
Northampton Saints
A massive thank you to Prospect Tree Mortgages for their help over the past year. They made it much easier.
Team GB Taekwondo
Extremely professional… 10/10, I would 100% recommend Graeme and the team at Prospect Tree Mortgages.
Kent County Cricket Club
I highly recommend getting the best advice possible and there is none better than Prospect Tree Mortgages.
Kent County Cricket Club
Everything went really smoothly and I am really happy with it. Couldn’t have asked for a better service.
Kent County Cricket Club
Thank you Prospect Tree… for all of the great advice you have given me. I highly recommend them.
KCCC/ Netherlands International
A big thanks to Prospect Tree, a top draw service, communication was excellent and made it very smooth.
Harlequins Rugby
Extremely helpful advice in a friendly and relaxed way. 100% comfortable reaching out to them again.
Wasps/ England International
Great service and follow up has been awesome. One day turn around for a decision in principle. Great service!
Edinburgh RFC
They made the process really easy and kept me updated throughout. I definitely highly recommend them.
Harlequins Rugby
Prospect Tree gave me a much better insight and gave me a really helpful head start on what to do right now.
Kent County Cricket Club
A huge thank you to Prospect Tree for helping me buy my first house and making it such a smooth process.
Kent County Cricket Club
Massive thank you to Nick and the Team at Prospect Tree Mortgages. They made everything so easy for me.
Sale Sharks
Incredibly helpful throughout. Very pleased with the product supplied and the efficiency in which they supplied it.
Newcastle Falcons
Nick and Phil have been fantastic helping me get my mortgage underway. They’ve been professional all the way.
Newcastle Falcons
A massive thank you. From start to finish the process was made easy and they answered all of my questions.
Newcastle Falcons
Thank you for helping me remortgage my home – they made the process quick, easy and stress free.
Sports Mortgage FAQs: Your Questions Answered
We understand that applying for a mortgage can be overwhelming, especially for sports professionals with unique financial circumstances. That’s why we’ve compiled a list of frequently asked questions to help you understand the process and feel confident in your decision. Our team of mortgage experts has answered these questions in-depth in our blog posts, which we’ve linked below. If you have additional questions, don’t hesitate to contact us for personalized advice
Challenges of getting a mortgage
The challenges facing Sports People who need a mortgage.
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Key things to consider as a Sports Professional
Lending Risk
Despite your potential high net worth, professional athletes like yourself are often viewed as a lending risk by mortgage lenders due to the short-term fixed contracts on offer from most sports clubs
Unpredictable Income
Many sportspeople receive sporadic income from factors such as bonuses, sponsorship, and appearance fees, which can be difficult for mortgage lenders to assess.
Portability
Sportspeople like yourself may need to relocate frequently as part of your role, which means the portability of a potential mortgage deal is important.
Age and Retirement
Sporting careers tend to have a shorter shelf life than others, with many sports professionals retiring in their 30s or 40s. This may impact your ability to obtain a mortgage, as some lenders may be hesitant to lend based on your age and predicted retirement age.
As a sports professional, obtaining a mortgage can be a complicated process. As we’ve learnt, lenders often view athletes as a lending risk due to their short-term contracts, sporadic income, and potential for injury. Additionally, frequent relocation and retirement age may also impact your ability to secure a mortgage.
Prospect Tree Mortgages understand these challenges and specialise in providing bespoke mortgage solutions for sports professionals. Let’s help you navigate the mortgage process with ease and secure the best mortgage deal for your unique situation. Contact us today to discuss your options and take the first step towards your dream home.
Daniel Bell-Drummond
Daniel Bell-Drummond – Kent CCC
A former winner of the Wisden Schools Cricketer of the Year (2011), and a smash hit with England Under-19’s. He received county cap No. 210 in 2015.
DBD made national headlines by smashing a breath-taking century for Kent against Australia in the build-up to the 2015 Investec Ashes series. He also shared a world record T20 opening stand with Joe Denly as they put on 207 against Essex at Chelmsford in July 2017.
2018 saw DBD prove himself to be an integral part of the Kent one day team. Scoring 485 runs in the Royal London One Day Cup with an average of 44. Kent just missed out in the final to Hampshire but DBD showed his skill throughout. DBD has scored a century in all three formats (County Championship, T20 and One Day) and is one of only six players to achieve this feat so far.
