How we got Marcus's mortgage approved!
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I love my career and wouldn’t change it for a thing, but being a professional athlete for Team GB made getting a mortgage much more difficult than I anticipated.
My partner works as a nurse at a children’s hospital and we’d been living together for over a year in a small flat in the Bath area. After some time renting we decided it was time to try and get on the property ladder, and benefit from a much needed garden.
"The broker we were matched with got in touch very quickly, knew what they were talking about and was honest about our situation from the start"
Despite a good amount of savings and a help to buy ISA, I was a bit apprehensive about going to a high street lender as my income as a professional athlete differs from a normal salary. Essentially we’re funded by UK Sport and the government, so my income is known as a stipend.
Putting this aside we were actually given an agreement in principle without a broker, found our perfect home and things were moving along nicely.
Marcus is a professional athlete for TeamGB which made getting a mortgage more difficult
Two to three months had passed and our lender all of a sudden became quite twitchy, asking more questions about my income. Ultimately the lender wouldn’t finalise the mortgage offer leaving both my partner and I very frustrated. Hope of landing our dream home was fading because in our minds all lenders were now going to see us as a risk.
There are advisors within our professional athlete support network with a mortgage broker on retainer where athletes can go to for help. It was clear however that their fees were high and would have taken too big a chunk out of our deposit.
"We thought we were never going to be able to buy a house but thanks to Online Mortgage Advisor and the broker they matched us with we can now share this story from our Victorian Terrace, a place we can finally say is ours!"
Not wanting to give up, I made a final attempt by searching online. Online Mortgage Advisor was one of the first names to pop up and clearly they’d helped many people with situations far more difficult than mine.
I filled out their online form, which took a good few minutes but it was clear they were asking the right questions for the right reasons.
The broker we were matched with got in touch very quickly, knew what they were talking about and was honest about our situation from the start. After battling with a number of lenders our broker found two that might lend to us. The lender we went with asked all the questions upfront first so we were confident they fully understood our situation before offering us a mortgage.
We thought we were never going to be able to buy a house but thanks to Online Mortgage Advisor and the broker they matched us with we can now share this story from our Victorian Terrace, a place we can finally say is ours!