Case Study
Strong income, much of it in lump sums.
A professional footballer with strong earnings, a large share of them paid in irregular lump sums rather than a monthly or quarterly salary.
Mortgage ApprovedAED 15 million
Filed Under
The Situation
A professional footballer needed mortgage finance in the UAE. His overall earnings were strong, but a large share of his income arrived as irregular lump sums rather than a monthly or quarterly salary.
The task was to show that the pattern came from the way his contracts pay, not from unstable income.
What Stood in the Way
A large share of his income arrived as irregular lump sums, rather than a conventional monthly or quarterly salary.
How We Structured It
We went through his contracts, his banking history and the pattern of his payments in detail, and clearly linked the lump-sum payments to his contractual earnings.
We then structured the application for a mainstream lender, setting out his earning strength, the continuity of his income and his professional profile, so the bank could assess him beyond a standard monthly-salary model.
The Outcome
The lender accepted the income structure and approved a mortgage of AED 15 million, despite the non-traditional pattern of his earnings.
Before you enquire.
Can income paid in lump sums count towards a mortgage?
It can, when it ties back to contracts and the continuity is clear, as it did here. How a lender treats yours depends on your contracts, your banking history and how the payments fall, so talk to a specialist before you assume it will not. Talk to a Specialist
What documents help when income is irregular?
In this case it was the contracts, the banking history and the record of payments. The right set for you depends on how you are paid, and a specialist will give you the list for your case. Talk to a Specialist
Which bank approved this case?
We do not name banks on this website. The right lender is different for each case, and a specialist will talk you through the ones that fit yours.
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