Mortgages for Rugby Professionals

We are experts in sourcing the best suited mortgages for Rugby Professionals. We understand the intricacies of your employment and can help you by giving you the best mortgage and protection advice.

Mortgages for Rugby Professionals

Prospect Tree Mortgages secure mortgages for Rugby players playing both Rugby Union and Rugby League in the UK. We also work with expatriates and foreign nationals living outside the UK that wish to finance property in the UK. We work with Rugby players with various length contracts, including players with their first professional Rugby contract.

Extremely helpful advice in a friendly and relaxed way. 100% comfortable reaching out to them for any further queries.

Scott Steele – Harlequins

​Prospect Tree Mortgages are Independent and as such have the widest possible network of lenders able to consider lending to professional Rugby players. As a professional Rugby player, you may also have media and advertising opportunities, Prospect Tree Mortgages are able to utilise this income to assist wit your total borrowing power.

Some of the Rugby Professionals we’ve helped…

Ben Vellacott – Edinburgh

Conner Collett – Newcastle Falcons

Robbie Smith – Newcastle Falcons

A Rugby Players income

Similar to a professional footballer, a professional Rugby player will have a contract with a Club that employs them. The contract length can vary but will have a commencement and termination date.

​The Rugby Football Union (RFU) approved contract will stipulate the basic income. The contract will also state the basic salary and any individual and team bonuses a player may receive.

How do lenders treat Rugby contract income?

Not all lenders are happy to lend where the contract is not permanent. This excludes many sports professionals on fixed term contracts, such as professional Rugby players. 

As an independent Mortgage Broker with access to the entire mortgage market we work with lenders that will use 100% of the basic salary plus any bonuses received. 

In addition, many of the players we work with have income from advertising and sponsorship. 

It is often the case that a player may have set up a Ltd company for additional income sources such as these and others. We will be able to find the right lender that will use this income in addition to your main contracted income.

Contact us

Prospect Tree Mortgages specialise in securing mortgages for rugby professionals. As a professional, Independent Mortgage Brokers, we have access to lenders that can be flexible with their lending criteria. 

When securing a mortgage for rugby professionals we will use our knowledge and contacts to ensure we secure the best possible terms for your situation. We work on your behalf so that you do not have to take time out of your busy day to negotiate with mortgage lenders. We secure both Residential and Buy-to-Let mortgages on UK property.

To get started, book a call with one of our mortgage experts and they will explain what you must do to get started. Don’t worry if this is your first time speaking to a mortgage broker, we will tell you everything you need to know. You can also use this page to refer a friend and earn £50 Amazon vouchers as a thank you

Taking the stress out of sourcing a mortgage and getting a great deal is what everyone is looking for in a mortgage broker and the team at Prospect Tree Mortgages do just that. They also specialise in the careers of sports people, which makes them the ideal partner for RPA members looking to expand their knowledge in this area.

Gaia Bursell – RPA Head of Commercial and Team England

Brad Shields
follow up has been awesome...
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Brad Shields - Wasps

Graeme has been fantastic for us. Great service and follow up has been awesome. One day to turn around a decision in principle, and followed up with calls each week to check in. Great service!

Will Trenholm
really helpful head start...
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Will Trenholm - Harlequins

Prospect Tree gave me a much better insight and gave me a really helpful head start on what to do and how much I need to save and be prepared to pay.

Scott Steele
100% comfortable reaching out...
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Scott Steele - Harlequins

Prospect Tree Mortgages gave me extremely helpful advice in a friendly and relaxed way. I felt I could ask any question regardless how basic they were with the confidence I’d get an insightful answer but importantly in a way that was easy for me to understand which was key for me as it was a subject, I knew very little about.
Due to this I’d feel 100 percent comfortable reaching out to Prospect Tree for any further queries around property I have, no matter how big or small.

Robbie Smith
they answered all of my questions...
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Robbie Smith - Newcastle Falcons

Prospect Tree for me has been a great service, they really helped and reassured me with all the stress that comes with buying your first home. They answered all of my questions from start to finish and the process was made easy. Big thanks to them.

Ben Vellacott
really easy and kept me updated...
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Ben Vellacott - Edinburgh

They made the whole process really easy and kept me updated throughout. I definitely highly recommend them.

man in black and yellow jersey shirt playing rugby

Blog: Mortgages for Rugby Players

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Get in touch

Prospect Tree Mortgages, Acorn Barn, Wembdon Business Park, Smeeth, Ashford, Kent TN25 6SZ

Telephone0800 8620 840


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A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Click here to see our fee info. Think carefully before securing debts against your home or property. The financial conduct authority does not regulate most forms of buy to let mortgage. Prospect Tree Mortgages LTD is the appointed representative of TenetConnect Services Ltd, which is authorised and regulated by the Financial Conduct Authority. TenetConnect Services Ltd is entered on the Financial Services Register (www.fca.org.uk/register) under reference 150643. Prospect Tree Mortgages Ltd is registered in England and Wales under reference 10112043. Registered Office Address: Acorn Barn, Wembdon Business Park, Smeeth, Ashford, Kent, TN25 6SZ. The information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.