Lockhart Murphy Sport
Finance built
for the
elite athlete.
A professional sports career concentrates extraordinary income into a short window. Lockhart Murphy structures your property finance around that timeline — not against it.
Lockhart Murphy is a trading name of Mortgage Force Ltd, authorised and regulated by the Financial Conduct Authority. Buy-to-let mortgages are not regulated by the FCA. We cannot guarantee mortgage approval.
Your Reality
Your financial reality is different.
Most mortgage brokers are not built for the complexity of a professional sports career. We are.
Peak Window
Professional sport concentrates a lifetime's earning potential into 10–15 years. Standard affordability models are not designed for that reality.
Complex Income
Wages, image rights, bonuses, boot deals, appearance fees, loyalty clauses. Lenders see complexity. We see evidence — and we know how to present it.
International Moves
Buying in the UK while contracted abroad, or purchasing internationally from a UK base. We have structured both, repeatedly.
Career Horizon
If you sign a 25-year mortgage at 24, it runs to 49. Structuring terms around retirement income expectations takes experience.
Protection Gap
Your income is your most valuable asset. Most athletes are underinsured against the career-ending injury or illness that stops it permanently.
Transfer Considerations
Relocation clauses, short-term contracts and mid-season moves require built-in flexibility. We structure that from day one, not as an afterthought.
What we know
"Not every lender understands that a signing bonus is not a one-off windfall. It is evidence of market value.
We know how to present it."
Lockhart Murphy Sport
Who We Work With
Built for professional sport.
Football
Premier League, Championship, League One and international players. Contracted salary, image rights, signing bonuses and loyalty clauses — all properly evidenced.
Golf
DP World Tour, LIV Golf, Korn Ferry and club professionals. Tournament prize money, sponsorship income and appearance fees structured correctly for lenders.
Other Elite Sport
Rugby, cricket, tennis, athletics, F1 and beyond. The principles are the same: complex income, short career horizon and a need for an adviser who understands both.
Football
Built for football.
Professional football creates a financial profile unlike any other career. Contracted wages that compress a working lifetime into a decade. Image rights paid through a separate company. Bonuses that dwarf the base salary. Transfer fees that arrive as a lump sum and confuse every standard affordability model.
We have arranged mortgages across every tier of the professional game — from the Premier League to League One, and for international players based in the UK. We know which lenders will work with you, and exactly how to present your income.
Contracted salary — evidenced correctly
Image rights — structured for lenders
Signing bonuses — presented, not hidden
International players — residency considered
Your Adviser
Not a call centre.
A real conversation.
When you enquire with Lockhart Murphy Sport, you speak to an adviser directly. No case handlers. No online form that disappears into a queue. Someone who understands the pressure, the timeline and exactly what needs to happen.
We are used to working alongside agents, management companies and financial advisers. Discretion is not a feature — it is how we operate.
Complex income
Evidenced correctly for specialist lenders
International moves
Cross-border purchases coordinated end to end
Career-length planning
Structures that work post-retirement too
Discreet by default
No press exposure, no public record of enquiry
International
From London to Lisbon
to Los Angeles.
A world-class career rarely stays in one place. We have experience arranging finance for athletes who are contracted abroad, purchasing internationally or managing property portfolios across multiple jurisdictions.
Whether you are a UK player on a foreign contract, an international player in the English game or an athlete investing globally from a UK base — we have structured it before.
View our international serviceUnited Kingdom
Middle East
Europe
Americas
Far East & Oceania
Protection
Your career is your asset. Protect it.
Elite athletes are often underinsured relative to what they actually earn.
Income Protection
If you cannot play, you do not earn. A properly structured policy replaces 60–70% of contracted income — for the length of your career, not just your current contract.
60 – 70%
income replacement
Critical Illness
A career-ending diagnosis changes everything. We structure critical illness cover that reflects your actual income and earning potential — not a standard salary average.
Career-length
cover considered
Life Insurance
Protecting the people who depend on your success. Premiums that reflect your health and fitness level — typically significantly lower than a non-athlete of the same age.
Lower premiums
for athletes
Protection products are arranged based on individual circumstances and eligibility. Premiums and terms are subject to underwriting. Lockhart Murphy is authorised and regulated by the Financial Conduct Authority for protection advice.
Career Finance
Finance that moves with your career.
Every stage brings different leverage. We help you use it.
16 – 18
Academy
Talent identified. First sponsorship or academy income arrives. Parent-backed purchases or guarantor mortgages may open early.
18 – 24
Pro Contract
Verified contracted income opens the door. First residential purchase, often supported by a signing-on fee or family contribution.
24 – 32
Peak Earnings
Maximum mortgage capacity. Portfolio strategy begins. Image rights, bonuses and signing fees require careful evidencing to lenders.
28 – 36
Portfolio Building
Buy-to-let portfolio construction. International property. Commercial consideration begins for transition to post-career income.
34+
Legacy Planning
Earned income transitions to passive. Remortgage to stable long terms. Equity release considered. Protection structures reviewed.
Scroll to see all career stages →
Lockhart Murphy at a glance
£200m+
in lending arranged
97%
client satisfaction
12+
international markets
5★
adviser rating
Start a Conversation
We work with your team.
Whether you are reaching out directly, through your agent or via your management company — we are used to it. Enquiries are confidential by default. No information leaves this conversation without your permission.
We respond within one working day. Usually faster.
Message us directly — details provided on enquiry
Response time
Within one working day
Common Questions
Questions we answer every day.
If yours is not here, send it directly.
Lockhart Murphy Sport
Your career does not wait.
Neither do we.
Request a discreet conversation today. No commitment, no pressure — just an honest conversation about what is possible.
Lockhart Murphy is a trading name of Mortgage Force Ltd. Registered in England and Wales. Authorised and regulated by the Financial Conduct Authority. Buy-to-let mortgages and most commercial lending are not regulated by the FCA. Lockhart Murphy does not guarantee mortgage approval or specific loan terms. Your property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. We are not affiliated with any sports club, governing body or professional association. Protection products are subject to individual underwriting and eligibility criteria.