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Mortgage Readiness Guide
Your credit file, deposit, bank statements and the documents to gather so you are ready to move.
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Mortgages for Pilots & Seafarers
By air or sea,Home is covered.
Flying pay and life at sea rarely look simple on paper. Allowances, rosters, rotations, training loans, contracts that run voyage by voyage and pay in US dollars or euros all sit outside a standard payslip. We present your income to lenders who understand aviation and maritime careers and keep everything moving while you are in the air or at sea.
How we help
We act for captains, first officers, cadets and cabin crew, as well as merchant navy officers and ratings, offshore workers and cruise ship and superyacht crew. Everything is arranged around your roster or rotation, so you are never waiting until you are home to make progress.
01Allowances and variable pay
Flying hours, sector pay, overnight allowances and sea allowances can change month to month. We approach lenders who will take more of that income into account, where their criteria allow.
02Cadets and training loans
Newly qualified pilots and officers often have a short employment history and a training loan to repay. Some lenders will look at your licence, offer letter and career path rather than years of payslips.
03Contracts, rotations and foreign currency
Rotation work, agency contracts, overseas employers and pay in another currency are all common. We work with lenders who are used to these arrangements and explain how exchange rates are applied.
04Remote from start to finish
Calls, documents and signatures fit around your schedule and can be handled from a hotel or on board where connection allows. We keep your solicitor and estate agent updated while you are away.
Typical scenarios
Illustrative examples of the situations we are asked to help with. They are not accounts of individual clients.
Scenario 01A first officer with a training loan
A recently qualified first officer wants to buy a first home near their base. They have six months of payslips and a large training loan still to repay.
We identify lenders who assess the training loan sensibly and accept a shorter employment history and present the case so the full picture is understood.Scenario 02An officer on rotation
A second officer works three months on and three months off through a manning agency and wants to buy a first home.
We present the contract history across several years so that lenders see a continuous career, not a series of short jobs.Scenario 03Superyacht crew paid in euros
A chief stewardess on a private yacht is paid in euros and spends most of the year outside the UK.
We approach lenders who accept foreign-currency income and overseas work and arrange the application around the yacht's season.Frequently
asked questions
Will lenders count my flying or sea allowances?
Some will. Lenders treat allowances differently: some include them in full, some include a proportion and some only use basic salary. We match you to lenders whose approach suits your pay.
I have a large training loan. Can I still get a mortgage?
Often, yes. The monthly repayment is taken into account when a lender assesses affordability, but many pilots and officers with training loans still borrow successfully.
I work for an airline or shipping company outside the UK. Can you help?
Yes. We work with lenders who accept overseas employment and income paid in other currencies, subject to their criteria.
I claim the Seafarers' Earnings Deduction. Does that affect a mortgage?
It can change the evidence a lender asks for. We will explain what is needed and help you prepare it before the application is submitted.
Can the whole process be handled while I am away?
In most cases, yes. We work remotely by email, phone and WhatsApp and plan key steps around your time at home where a signature or meeting is needed.
Related reading: Mortgage Readiness Guide · Buying UK Property from Overseas · Mortgage calculators
Reviewed by Thomas Boughton CeMAP, October 2026.
Free guides
Getting your application ready, and buying in the UK while living or working abroad.
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Buying UK Property from Overseas
Visas, foreign income, currency and the lenders who work with non-UK residents.
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Tell us where you are in your flying or seagoing career and what you would like to buy or refinance. The first conversation is without obligation.
Your home may be repossessed if you do not keep up repayments on your mortgage. Lending is subject to status, lender criteria and individual circumstances.