Expert mortgage solutions that understand rugby contracts, performance bonuses, and endorsement income
Expert Mortgage Solutions Designed for Rugby Professionals’ Unique Financial Circumstances
Traditional mortgage lenders often struggle to assess professional rugby players due to fixed term contracts, fluctuating income streams, and concerns about sports retirement age. Your rugby contract income, team bonuses, sponsorship deals, and advertising and tv work create a complex financial profile that mainstream mortgage providers frequently misunderstand or reject.
Our specialist service connects rugby professionals with mortgage lenders who recognise the value of professional rugby contracts and understand that many sports professionals earn substantial, reliable income despite unconventional employment structures. We work with private banks and specialist lenders who accept 100% of your rugby contract income plus additional earnings from endorsements, appearance fees, and business ventures when calculating your borrowing power.
Whether you’re securing your first professional rugby contract or planning for income post retirement, our expertise ensures you access the right mortgage products without the frustration of explaining your career to lenders who don’t understand professional rugby.
Why Choose Our Rugby Player Mortgage Service?
Our specialist approach delivers results where traditional brokers struggle with sports professionals mortgages.
- Specialist Lender Network – Direct access to mortgage lenders who understand rugby contract structures, accept short term contracts, and recognise the financial stability of professional athletes
- Maximum Borrowing Power – Include basic salary, match bonuses, sponsorship income, and subsidiary income from media work in mortgage calculations, often achieving 5x total earnings
- Career Stage Flexibility – Secure mortgages from first professional rugby contract through to established international players planning property investment loans for retirement
- Comprehensive Solutions – Compare residential mortgage, buy to let mortgages, and commercial property options across 180+ lenders, including those unavailable to other sports professionals through standard channels.
With our service, rugby professionals typically secure higher borrowing amounts than through traditional high street lenders, while accessing competitive rates despite irregular income streams.
How Rugby Player Mortgages Work
Our streamlined mortgage process recognises the unique challenges faced by professional rugby players when securing mortgages.
Step 1: Income Assessment
We evaluate your current contract with detailed analysis of basic income, team bonuses, international match fees, and additional revenue from endorsements or limited companies. Our assessment includes income streams that other lenders often overlook or undervalue.
Step 2: Lender Matching
Connect with specialist lenders and private banks who specifically work with professional sportspeople. These mortgage providers understand contract length implications and accept rugby league and rugby union income structures without requiring permanent employment status.
Step 3: Application Optimisation
Structure your mortgage application to maximise borrowing power by properly presenting sponsorship income, whether processed through UK property companies, offshore entities, or as self employed earnings, ensuring all income sources contribute to lending criteria.
Step 4: Mortgage Completion
Secure competitive mortgage products with terms aligned to your rugby career timeline, including options for interest only periods, property development finance, and transition planning for income post retirement.
What Makes Our Rugby Mortgage Service Different?
Our deep understanding of the sports industry sets us apart from generic mortgage advice services.
- Rugby Industry Expertise – Specialist knowledge of Rugby Football Union and rugby league contract structures across UK clubs, from Championship level through to international players
- International Player Support – Comprehensive assistance for foreign nationals living in the UK, expatriate rugby players, and those with complex tax arrangements across multiple jurisdictions
- Agent Partnerships – Established relationships with rugby agents, sports lawyers, and specialist lenders who regularly work with professional rugby players and understand career progression patterns
- Post-Career Planning – Mortgage structures considering coaching qualifications, media careers, property development ventures, and business income that support borrowing beyond sports retirement age
Mortgage Options & Borrowing Capacity
Understanding your mortgage eligibility options across different property finance products designed for sports professionals.
🏠 Residential Mortgages – Primary homes for rugby players with contract income assessment supporting borrowing into your 60’s and beyond, depending on post-career income planning
Example: £150,000 total rugby income could support £750,000 borrowing with specialist lenders
🏢 Buy-to-Let Investment – Property portfolio building using current rugby earnings to establish rental income streams for financial stability beyond playing careers
Lending available up to 80% loan-to-value on investment properties
🏗️ Commercial Property – Business premises financing for rugby academies, training facilities, sports therapy clinics, or property development projects
Specialist commercial lending for sports industry ventures
Borrowing Examples:
- Basic contract £100k + bonuses £30k + endorsements £20k = £150k total income
- Potential borrowing: £600k-750k depending on deposit and lender
- Deposit requirements: From 10% for residential to 20% for buy-to-let mortgages
Frequently Asked Questions
🔹 How much contract time do I need remaining?
Minimum requirements vary by lender – typically 12-18 months on current contract, though some specialist lenders accept shorter periods with strong career history and future earning potential.
🔹 Can I borrow beyond rugby retirement age?
Yes, through various income sources: coaching qualifications, media work contracts, property investment income, or business ventures. Many rugby professionals successfully transition to sustainable post-career income.
🔹 What documents do I need?
Professional rugby contract with commencement and termination date, recent payslips, bank statements, tax returns, endorsement agreements, and company accounts if you operate through limited companies.
🔹 Do bonuses count towards income?
Performance bonuses, team success payments, and appearance fees are assessed by specialist lenders who understand rugby payment structures. Consistent bonus history strengthens applications significantly.
🔹 Can I get mortgages as self employed?
Many rugby professionals have self employed income from coaching, media work, or business ventures. Specialist lenders assess this alongside contract income for comprehensive borrowing calculations.
Start Your Rugby Player Mortgage Application Today
Don’t let traditional lenders’ lack of understanding limit your property ambitions. Our specialist expertise in rugby professionals’ unique financial circumstances delivers results where others fail.
💡 Confidential consultation • No obligation • Rugby industry expertise
📞 Call for immediate expert advice
📧 Email with an outline of your requirements
🔒 Trusted by 200+ Rugby Professionals | 20+ Years Sports Finance Experience | FCA Regulated
Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing other debts against your home.
Fox Davidson are a specialist UK mortgage broker covering all areas of property finance. We work with international and UK resident clients to secure funding on residential & commercial property in the UK. We can work by phone, email and video call. We have London & South West offices at which we can meet clients.
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 a whole of market broker 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. This income can be ran through a UK or offshore Ltd company and we can then use this income to compliment the main contract income.
Income Protection
A major consideration for any amateur or professional sports player is injury. In the event of an injury you may lose a portion of your income and in the case of long term injury may find yourself out of work. At Fox Davidson we secure mortgage protection such as sports injury cover and life insurance to ensure that your mortgage can continue to be repaid in the event of an injury, illness or in the event of death.
Using a Mortgage Broker
Fox Davidson specialise in securing mortgages for rugby professionals. As a professional, across the market mortgage broker, 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 don’t have to take time out of your busy work day to negotiate with mortgage lenders. Fox Davidson can secure mortgages for sports professionals wishing to finance Residential, Buy-to-Let and Commercial property in the UK.
Next Steps
- Call or email one of our professional mortgage brokers. They will complete a short fact find with you and discuss your requirements.
- We search the market of 1,000’s of mortgage products and discuss your lending proposal with the chosen lender to ensure it meets criteria and is placed with the right lender, first time.
- Your broker will then present the best possible mortgage terms to you.
- On acceptance of the proposed terms we will complete all paperwork and handle the entire process from application through to completion on your behalf.
For more information please contact Fox Davidson to discuss mortgages for Rugby players.
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.
