Case Study –£5.8m Residential Purchase for an Incoming Elite Premier League Footballer

Property Value	£5,800,000
Mortgage	£5,220,000
Loan-To-Value	90%
Mortgage Structure	Interest-Only & Capital Repayment
Deposit Funding	Swiss Private Bank Credit Facility

The Situation

Our client, an international professional footballer in his early 20s, was relocating from Europe to join an English Premier League club ahead of the 2026/27 season.

Having signed a six-year contract representing a significant increase in earnings, he wanted to purchase a £5.8 million UK residence ahead of his move.

The Challenge

At the point of application, the client remained based overseas and had not yet commenced his new Premier League contract. As a result, the lending needed to be assessed against a material change in both his circumstances and future income. The client also wanted to minimise the amount of personal capital committed to the purchase, targeting 90% loan-to-value. The remaining deposit was to be funded through an existing credit facility with a Swiss private bank, meaning the overall purchase was being financed through a combination of mortgage borrowing and private bank lending. The challenge was therefore not simply the level of borrowing required, but how the client's future contracted earnings, international relocation and wider banking arrangements could be presented as a coherent lending proposition.

The Solution

We secured a £5.22 million mortgage at 90% LTV, with the borrowing structured across three components to reflect the client's income profile and the term of his new contract: £3.48 million on an interest-only basis over 13 years. £290,000 on an interest-only basis over one year. £1.45 million on a capital repayment basis over six years. The remaining £580,000 was provided through the client's Swiss private bank credit facility. Rather than approaching the borrowing as a single lending requirement, the structure allowed different elements of the debt to be aligned with the client's circumstances and anticipated income profile. This enabled him to complete the £5.8 million purchase ahead of his relocation while limiting the immediate deployment of personal capital. Client details have been anonymised. Lending is subject to individual circumstances, affordability and lender criteria. A mortgage is secured against property. The property may be repossessed if repayments are not maintained.