Table of Content
At Strive,we specialise in arranging mortgages for professional golfers — from emerging tour players and PGA coaches to established international professionals.
Golf careers are unique. Earnings can fluctuate from tournament wins, appearance fees, sponsorships, and coaching income — all while travel and performance cycles affect consistency. We understand how these variables can make it difficult for golfers to secure traditional mortgages. Our role is to simplify that process, connecting you with lenders who genuinely understand professional sport and how golf income works.
Looking for 5 star mortgage advise? We’re ready to help.
Whatever stage you’re at, it’s never too early to reach out.
View all 53 reviews on Trustpilot
How much can a professional golfer borrow?
The amount a golfer can borrow depends on how lenders view your income structure and overall financial position. Sports-friendly lenders tend to take a broader view — assessing your average income over the past 12 to 24 months, factoring in sponsorships, prize money, coaching fees, and endorsements.
Example:
If your combined golfing income averages £120,000 per year, a lender applying a 5× income multiple could offer up to £600,000.
Some specialist or private banks may stretch this further — up to 5.5× or even 6× income — particularly for well-established professionals or those with long-term commercial agreements.
At Strive, we know which lenders are flexible and how to structure your case to present your income in the best possible light.
How is a golfer’s income treated for mortgage purposes?
Professional golfers often earn from multiple income streams — tournament winnings, appearance fees, sponsorship, coaching, and business ventures. Traditional lenders can struggle to interpret this kind of income, particularly when it fluctuates seasonally.
We work with lenders who understand the realities of a golfing career. They can average income over several seasons or take sponsorship agreements and coaching revenue into account, ensuring you’re assessed fairly and realistically.
For players earning internationally, some lenders can also consider income from abroad with appropriate documentation and translation.
How long do you need to have been playing professionally?
Each lender has its own policy, but most will expect a consistent track record of professional activity — usually 12 to 24 months. Some are happy to lend sooner if you have a strong commercial structure, stable sponsorships, or a verifiable income pipeline.
If your golfing career is supplemented by other work such as coaching, media, or business income, lenders may combine these sources to determine overall affordability.
At Strive, we know how to present these complex financial profiles clearly — something we’ve mastered through years of experience helping professional sportspersons.
What deposit do professional golfers need?
Deposit requirements depend on the loan amount and risk profile.
- Some golfers can buy with as little as a 5% deposit, especially if their income is stable.
- For larger loans (typically above £750,000), expect to provide 10% to 25%.
Bonuses, prize money, and sponsorship retainers can often contribute toward your deposit if evidenced and supported by bank statements or contracts.
What rates can golfers expect?
Mortgage rates depend on the loan-to-value ratio (LTV), income stability, and the lender’s appetite.
- Larger deposits typically unlock better rates.
- Rates tend to improve at standard 5% LTV bands — 95%, 90%, 85%, and 80%.
- Straightforward income cases may qualify for mainstream rates, while multi-currency or fluctuating income may require specialist lending.
When presented correctly, professional golfers can access highly competitive rates and terms — even with complex earnings.
Mortgages for retired or transitioning golfers
When you move away from full-time play, your eligibility depends on your new income, not just your historic playing salary.
We regularly assist retired golfers who move into coaching, course design, or media work — structuring applications around their new revenue streams. Some lenders maintain sports-friendly policies for ex-professionals, especially those with proven financial management or investment portfolios.
Interest-only and flexible mortgage options
Interest-only and hybrid (part repayment, part interest-only) mortgages are popular among professional athletes who value flexibility and cashflow control.
- Interest-only options typically require a 25% deposit.
- Hybrid structures may be possible with smaller deposits.
These are ideal for golfers expecting prize money, sponsorship renewals, or business sales — allowing you to manage income volatility without compromising liquidity.
Private banking and high-net-worth mortgages
For well-established players or golf professionals with substantial income or wealth, private bank mortgages can provide a level of flexibility far beyond the high street.
If your annual income exceeds £300,000 or your assets exceed £3 million, private banks and high-net-worth mortgage providers can tailor solutions that consider:
- Sponsorships, endorsements, and overseas income
- Complex company or trust structures
- Multi-currency earnings
- Large loan requirements and interest-only arrangements
These lenders offer bespoke underwriting, exclusive rates, and dedicated relationship managers who understand your career and global financial footprint.
For a full overview, explore our pages on Mortgages for Professional Sportspersons, Mortgages for High Net Worth Individuals, and Private Bank Mortgages.
Speak to an advisor today, to lock you in with the best deal.
For retired or transitioning players
Once your playing career ends, mortgage eligibility shifts to your new income and role. Whether you move into coaching, broadcasting, business, or entrepreneurship, your mortgage application will be structured on those income streams.
Some lenders maintain sports-friendly policies for former professionals, especially those with strong contract histories or existing asset portfolios.
Interest-only options
Interest-only mortgages are appealing to athletes wishing to lower monthly outgoings and maintain flexibility.
- Most lenders require a 25% deposit for pure interest-only.
- Hybrid products (partial repayment + interest-only) may be available with smaller deposits.
This setup can work well if you expect future bonuses or lump sums — giving you breathing room in the short term.
Private banking and high-net-worth lending
For top-tier professionals with elevated earnings or significant assets, private banks offer bespoke mortgage solutions beyond standard offerings.
If your annual income exceeds £300,000 or your net assets surpass £3 million, private banks may consider:
- Multiple income sources (sponsorships, endorsements, foreign contracts)
- Complex corporate or trust structures
- Large loan sizes or interest-only terms
These banks offer bespoke repayment plans, exclusive rates, and a deeper understanding of high-net-worth financial profiles.
For more on these services, see our pages on Mortgages for Professional Sportspersons, Mortgages for High Net Worth Individuals, and Private Bank Mortgages.
Why choose Strive
At Strive, we’re proud to work with athletes, coaches, and professionals throughout the golfing world. We deal with professional sportstars across all disciplines, giving us the specialist knowledge and lender connections to handle even the most complex financial setups with precision and discretion.
Whether you’re competing on the DP World Tour, managing a busy coaching portfolio, or diversifying your income through business or media work, we’ll design a mortgage strategy that aligns with both your current performance and long-term plans.
Speak to Strive today for expert, confidential mortgage advice tailored to professional golfers.
The best banks for Professional Golfer mortgages depend on various criteria, including your deposit, credit history, nationality, and the amount required. Options can range from high street banks to private banks, each offering different terms and conditions based on your specific situation.
Yes, while it’s possible to source a mortgage without a specialist, you have a much better chance of finding the right deal with a specialist Professional Professional Golfer Broker. These brokers understand the unique financial situations of professional athletes and can navigate the complexities of footballer contracts and income, ensuring you secure the best possible terms for your mortgage.
Jamie Elvin
Jamie is an expert in all things mortgages, and our most experienced broker. Connect with Jamie and get started to see how Strive Mortgages can help you.
