FAQ's

Yes, many lenders will consider income beyond just your basic salary. We work with providers who accept variable elements like flight hours, overseas allowances, and per diems, especially if you can show consistency over the last 6 to 12 months. Presenting your payslips correctly is key, and we’ll help you do exactly that.

Not necessarily. While a full-time, permanent role helps, we’ve successfully secured mortgages for crew members on fixed-term, rolling, and even seasonal contracts. The lender’s decision often comes down to income stability and how recently you’ve been working. Even if you're returning from a break or just changed airlines, we can help you navigate the application.

Most high street lenders struggle with the complexity of aviation payslips. They may overlook your flight-based earnings or undervalue your total income. That’s why using a broker with aviation experience is so important. At Drummonds, we know how to present your income clearly and match you with lenders who understand airline pay structures.

Yes, it’s possible. Some lenders are open to international contracts or offshore income, especially if you're a UK resident or have plans to return. Lenders may require additional documentation, such as currency conversion statements or proof of continued employment, but we regularly help pilots working abroad find suitable mortgage solutions.

If you’ve just accepted a new role with an airline, whether as a pilot, crew member, or engineer, some lenders will approve your mortgage based on a signed employment contract. The key is choosing a lender who accepts projected income or probationary terms. We’ve helped many clients secure a mortgage before even starting their new role.

Self-employed airline contractors can absolutely get a mortgage, but the application process is slightly different. You’ll typically need at least one full year of trading history, and lenders will review your accounts or SA302s. If you’ve only recently gone self-employed, we can still explore options, particularly if you have consistent day-rate or contract work.

Yes, and we help with this often. Whether you’re remortgaging to secure a better rate, raise capital, or change your repayment structure, we’ll guide you through the process. Lenders may ask for updated payslips or a new affordability assessment, especially if your income has changed, but we handle all the paperwork for you.

Absolutely. We understand the aviation industry often involves sabbaticals, parental leave, or furlough gaps. As long as you’re back in employment or have a confirmed start date, we can often help you secure a mortgage. We’ll explain your circumstances to the lender and ensure they understand any gaps on your record.