Airline payslips can look like a puzzle to a lender. Get the right one and more of your income can count towards what you can borrow.
Counted in full by every lender. The starting point for what you can borrow.
Varies with your roster. Some lenders average it over recent months, others count less of it.
Meal and overnight allowances are treated very differently from lender to lender. We know who counts what.
Regular extra duties can often be included when you can show a track record on your payslips.
Early, late or between trips — our UK team works around international schedules, not 9 to 5.
WhatsApp, video calls, a digital fact find and secure upload. Do it from a hotel room if you need to.
Our mortgage advice costs you nothing. And some of our team are airline crew themselves, so there's no explaining what a sector is.
Some lenders only use your basic salary. Others will include a share of flying pay, allowances or overtime, usually averaged over your recent payslips. Matching you with a lender that counts more of your real income can make a big difference to what you can borrow.
With a permanent contract, plenty of lenders will look at you from day one, especially if you've worked in a similar role before. Your contract or offer letter and your first payslips help. See mortgages with a new job.
Lenders usually want to see a track record — often 12 months or more of seasonal work, or a history of contracts being renewed. Part-time crew are assessed on the part-time pay. We'll look at your pattern of work and find lenders that understand it.
Message us on WhatsApp whenever you land, fill in the Client Hub fact find in your own time, and upload documents securely from your phone. We'll fit calls around your roster.
Pop your details in and we'll call you back at a time that fits your roster.
The legal bit
Your home may be repossessed if you do not keep up repayments on your mortgage.
We don't charge a fee for mortgage advice.
Bridging, will writing, equity release and conveyancing are provided through our network of approved business partners.