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 style of Mortgage Force (UK) 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
Noteverylenderunderstandsthatasigningbonusisnotaone-offwindfall.Itisevidenceofmarketvalue.Weknowhowtopresentit.
Lockhart Murphy Sport
Who We Work With
Built for professional sport.
The full picture, from first contract to final season.
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.
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.
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
Risk
You manage risk
every time you compete.
A career can end in a moment. Protecting the income that drives everything else requires the same precision as the sport itself.
Discuss ProtectionProtection
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 a trading style of Mortgage Force (UK) Ltd, authorised and regulated by the Financial Conduct Authority.
Career Finance
Finance that moves with your career.
Click a stage to explore. Every stage brings different leverage.
Swipe to navigate career stages
Lockhart Murphy at a glance
£250m+
in lending arranged
100%
bespoke
15+
years' experience
1
dedicated point of contact
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.
Need a property search managed around your schedule? Lockhart Murphy Concierge →
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 style of Mortgage Force (UK) 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.