UK’s Leading Mortgage Broker for Professional Footballers
Updated September 2025
Fox Davidson is the UK’s premier mortgage broker for professional footballers, securing tailored mortgages for professional footballers since 2013. With over £50 million arranged for players across Premier League to lower leagues, we understand the unique financial challenges footballers face—irregular income, short-term contracts, and early retirement. Our specialist brokers access 100+ lenders, including private banks, to deliver high loan-to-value (LTV) mortgages and competitive rates for homes or investments in cities like London, Manchester, and Liverpool. Whether you’re a player buying a dream home or a football agent arranging a mortgage in your client’s name, we ensure flexible solutions tailored to your needs.
📞 Call for immediate expert advice
📧 Email with an outline of your requirements
Why choose Fox Davidson as your mortgage broker for professional footballers in the UK?
Concierge service with a dedicated team throughout
Up to 95% LTV and 5–6x income multiples for high earners.
Market leading rates
Expertise in footballer income (e.g. bonuses, image rights, sponsorships).
Support for football agents securing mortgages for clients.
Why Footballers and Agents Choose Fox Davidson
Professional footballers and their agents face unique mortgage challenges due to the UK’s dynamic property market (4.3% annual price growth, Land Registry 2024) and complex income structures. With 19% of UK households renting privately (ONS 2024), many players prefer owning homes or building buy-to-let portfolios for long-term wealth. Fox Davidson’s expertise ensures:
- High Borrowing Power: E.g. loans up to £4.5m for a £750k salary (6x income).
- Flexible Underwriting: Accounts for bonuses, image rights, and locum-style contracts.
- Post-Career Planning: Mortgages extended past retirement with coaching or media income.
- Agent Support: Seamless process for agents arranging mortgages in players’ names.
Mortgages for Football Agents: Arranging in Clients’ Names
Football agents play a critical role in managing players’ finances, often arranging mortgages on their behalf. Fox Davidson works directly with agents to secure mortgages for professional footballers in the client’s name, ensuring:
- Confidential Service: Discreet handling of sensitive financial details.
- Tailored Applications: We assess the player’s income (e.g. Premier League salaries averaging £3m/year, Deloitte 2024) and contract stability.
- Streamlined Process: Agents provide client details once; we handle lender negotiations.
- High-Value Deals: Access to private banks for multi-million-pound mortgages.
Agents can rely on our 20+ years of experience and FCA-regulated service to deliver fast, reliable mortgage solutions for their clients.
What is a Mortgage for Professional Footballers?
A mortgage for professional footballers is a specialised residential or buy-to-let loan tailored to the unique income profiles of players, including salaries, bonuses, image rights, and sponsorships. Unlike standard mortgages, lenders offer:
- Higher LTVs: Up to 95% (e.g. £20k deposit for a £400k home).
- Generous Multiples: Up to 5–6x income (e.g. £3m mortgage on £500k salary).
- Flexible Terms: Interest-only options for cashflow management.
As expert mortgage brokers for professional footballers in the UK, we source deals from high-street banks, private banks, and specialist lenders, ensuring approvals despite short-term contracts or irregular income.
How to Get a Mortgage for Professional Footballers. Our streamlined process simplifies financing for players and agents:
- Free Consultation
Discuss your goals, whether buying a London penthouse or a Manchester buy-to-let.
- Income Assessment
Review salary, bonuses, sponsorships, and post-career plans (e.g. coaching income).
- Lender Matching
Source from 100+ lenders, securing decisions in principle within 24–48 hours.
- Application Management
Handle paperwork, valuations, and lender communications for 4–8 week completions.
- Ongoing Support
Post completion reviews, advice on portfolio growth
Requirements:
- Deposit: 5–20% (£10k–£100k for £200k–£500k properties).
- Income: £50k+ (including bonuses, image rights).
- Good credit (minor issues often accepted for high earners).
Mortgage Options for Footballers and Agents
We offer tailored solutions:
- Residential Mortgages: Up to 95% LTV for homes in London, Manchester, or Liverpool.
- Buy-to-Let Mortgages: Up to 80% LTV for investment properties, leveraging 5.7% UK rental yields.
- Interest-Only Mortgages: Reduce monthly payments for cashflow flexibility.
- Private Bank Mortgages: High-value loans (£1m+) for Championship & Premier League footballers.
- International Player Mortgages: For non-residents with multi-currency income.
Success Stories: Mortgages for Footballers Across the UK
- Premier League: Secured a £3m mortgage, 90% LTV, 3.5% rate, for a London property (completed in 5 weeks).
- Championship Player: Arranged a £500k buy-to-let portfolio in Manchester, 75% LTV, 10% yield (April 2025).
- Agent for League One Client: Funded a £250k Birmingham home, 90% LTV, via agent-led application.
See more of our case studies:
Private Bank Mortgage for English Professional Footballer.
Mortgage for a Professional Footballer
Large Mortgage for Professional Football Player
Why Choose Fox Davidson as Your Mortgage Broker for Footballers?
Discreet and Fast: Decisions in 24–48 hours, fee-free consultations.
Football Expertise: 20+ years handling complex incomes (bonuses, sponsorships).
Agent-Friendly: Streamlined process for agents arranging client mortgages.
Across Market Access: 100+ lenders, including private banks.
Award-Winning Service: FCA-regulated, 5-star reviews.
Frequently Asked Questions (FAQs) on Mortgages for Professional Footballers
5–20% (£10k–£100k for £200k–£500k properties), with 5% possible via specialist lenders.
Yes, we work with agents to secure mortgages in clients’ names, handling all financial details discreetly.
Up to 5–6x income (e.g., £3m on £500k salary), depending on contract stability.
Yes, with specialist lenders accepting multi-currency income and non-resident status.
Salary, goal and appearance bonuses, image rights, sponsorships, and post-career earnings (e.g. coaching).
Yes, up to 80% LTV, based on rental income.
4–8 weeks, with decisions in 24–48 hours for urgent deals.
Email info@foxdavidson.co.uk for more answers.
Secure Your Mortgage for Professional Footballers Today
Ready to buy your dream home or investment property? Fox Davidson’s mortgage brokers for professional footballers deliver tailored solutions for players and agents across the UK.
📞 Call 02035195590 for immediate expert advice
📧 Email with an outline of your requirements
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.
