Pilots & Aircrew Mortgages
Airline pay doesn’t look like a normal payslip. Base salary is often just one piece, sitting alongside flying pay, allowances, and bonuses that shift from month to month depending on your roster – and a fair number of mainstream lenders don’t quite know what to do with that when they run their standard affordability calculation.
We’ve arranged mortgages for pilots and cabin crew since 2008, understanding how airlines actually structure pay rather than treating it as an oddity.
Why standard affordability checks often fall short
A typical lender wants a stable monthly salary they can multiply by a fixed factor. Pilot and aircrew income doesn’t sit still like that – flying hours vary, allowances aren’t guaranteed month to month, and if you’re employed by an airline registered outside the UK, there’s a currency and jurisdiction question layered on top. We know which lenders will look at your full package properly rather than just your base salary line.
What we typically arrange for
- Commercial pilots, first officers, captains, and cabin crew across different airlines and contract types
- Both UK and foreign-registered airline employers
- Applicants who are frequently based overseas between postings, not just at one fixed address
Getting your full income presented properly – not just basic salary – is often the difference between a lender saying no and saying yes at the level you actually need.
Our fees
£295 application fee, 1% completion fee.
Frequently Asked Questions
Will lenders count my flying pay and allowances, not just basic salary?
Yes, with the right lender – we know which ones will look at your full income package properly.
Does it matter if my airline is registered outside the UK?
It affects which lenders are realistic options, but it doesn’t rule out a mortgage – we regularly place cases like this.
I’m based in a different country between postings – does that count as being an expat?
Often yes, and we’ll assess your situation the same way we would any expat client based on your actual residency pattern.
How much documentation will I need to provide?
More than a standard salaried applicant, typically including contract terms and evidence of your flying pay and allowances history.
Can cabin crew apply the same way as pilots?
Yes, the same principles apply, adjusted for your specific pay structure.
Get in touch with details of your role, airline and pay structure, and we’ll match you to lenders who’ll assess it properly.
