Mortgages for Sports Professionals

We work with sportsmen and women throughout the entirety of their careers. Whatever sport you play professionally, whether you are a footballer, athlete, rugby player or professional coach, getting a mortgage can be a little more complicated than you might expect.

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.

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

Understanding Income Sources

Insights into how lenders treat your income types.

Read more >

Challenges of getting a mortgage

The challenges facing Sports People who need a mortgage.

Read more >

Mortgages for Sports Professionals

A guide on mortgages for Sports Professionals.

Read more >

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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.


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-DrummondKent 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.

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