Cleared forYour next move.
Flying pay rarely looks simple on paper. Basic salary, sector pay, flying and overnight allowances, roster changes and training bonds all sit outside a standard payslip. We present your income to lenders who understand aviation, so that what you earn is properly recognised, whether you fly for a UK airline, an overseas carrier or on contract.
How we help
We act for captains, first officers, newly qualified cadets and cabin crew and arrange finance around rosters and time zones, so the process works even when you are away from home.
Flying hours, sector pay and allowances can change from month to month. We approach lenders who will take more of that income into account, where their criteria allow.
Newly qualified pilots often have a short employment history and a training loan to repay. Some lenders will look at your type rating, offer letter and career path rather than years of payslips.
Flying for an airline outside the UK, being paid in another currency or working through a contract agency are common. We work with lenders who are used to these arrangements.
Meetings, calls and document requests fit around your flying schedule and we keep everything moving while you are away.
Typical scenarios
Illustrative examples of the situations we are asked to help with. They are not accounts of individual clients.
A recently qualified first officer wants to buy a first home near their base. They have six months of payslips and a large training loan still to repay.
We identify lenders who will assess the training loan sensibly and accept a shorter employment history and present the case so the full picture is understood.A UK national flies for an overseas airline, is paid in a foreign currency and wants to buy a home in the UK for the family.
We approach lenders who accept foreign-currency income and overseas employment and handle the application remotely around the captain's roster.A senior cabin crew member's basic salary is modest, but allowances make up a large part of their monthly income.
We look for lenders who will include a higher share of regular allowances, so that borrowing reflects what is actually earned.Frequently
asked questions
Will lenders count my flying allowances?
Some will. Lenders treat allowances differently: some include them in full, some include a proportion and some only use basic salary. We match you to lenders whose approach suits your pay.
I have a large training loan. Can I still get a mortgage?
Often, yes. The monthly repayment is taken into account when a lender assesses affordability, but many pilots with training loans still borrow successfully.
I have just started with a new airline. Is that a problem?
Not necessarily. Some lenders will consider applicants still on probation or recently employed, particularly where the role continues an established career.
I fly for an airline outside the UK. Can you help?
Yes. We work with lenders who accept overseas employment and income paid in other currencies, subject to their criteria.
Speak with us today
Tell us where you are in your flying career and what you would like to buy or refinance. The first conversation is without obligation.
Your home may be repossessed if you do not keep up repayments on your mortgage. Lending is subject to status, lender criteria and individual circumstances.