How We Secured a £840,000 Mortgage for a Professional Footballer in Brighton

At Strive, we specialise in helping professional footballers and sports professionals navigate complex mortgage requirements. This case study highlights how we secured a £840,000 mortgage for a young footballer buying his first home in Brighton.

Case Study Overview

Location: Brighton
Borrowing Amount: £840,000

The Challenge

A 22-year-old professional footballer had just signed a new contract with a club in Brighton and was ready to buy his first home. Despite a strong income, the short-term nature of his contract and limited credit history made finding a suitable lender difficult.

Traditional banks were cautious, offering restrictive terms or declining outright due to his profession and age.

The Solution

At Strive, we understood that professional athletes have unique income structures and career paths. We worked with a specialist lender familiar with sports professionals and secured a £840,000 mortgage on a £1 million purchase.

The loan was based on his contracted earnings, annualised over the term. To provide flexibility and keep monthly payments manageable, part of the mortgage was arranged on an interest-only basis — allowing him to maintain cash flow and manage his finances sensibly while his career develops.

The Result

The client successfully purchased his first home in Brighton, securing a property that suits his lifestyle and long-term plans. The structure of the mortgage gives him flexibility to adjust or overpay as his career progresses, while still benefiting from competitive rates and terms that reflect his true earning potential.

In the Client’s Words

“Most banks didn’t really understand how football contracts work. I’d just signed for a new club, and even though my income was solid, a few lenders still said no or offered terms that didn’t make sense. Strive knew exactly what to do. They found a lender who understood my situation and got the deal done quickly. It’s taken a lot of pressure off, and I’ve now got a place I can properly call home.”

Thinking About Buying a Home as a Professional Footballer?

We specialise in mortgages for professional footballers and sports professionals.
Whether you’re signing your first contract or moving clubs, our experienced team can help you secure the right deal, structure your income correctly, and negotiate with lenders who understand your profession.