{"id":92810,"date":"2024-08-22T16:01:45","date_gmt":"2024-08-22T06:01:45","guid":{"rendered":"https:\/\/timesnewsgroup.com.au\/bellarinetimes\/news\/if-the-olympics-didnt-get-local-athletes-up-and-about-maybe-this-will\/"},"modified":"2024-08-22T16:04:06","modified_gmt":"2024-08-22T06:04:06","slug":"if-the-olympics-didnt-get-local-athletes-up-and-about-maybe-this-will","status":"publish","type":"post","link":"https:\/\/timesnewsgroup.com.au\/bellarinetimes\/real-estate\/if-the-olympics-didnt-get-local-athletes-up-and-about-maybe-this-will\/","title":{"rendered":"If the Olympics didn\u2019t get local athletes up and about, maybe this will"},"content":{"rendered":"<p><strong>WITH DANIEL WALSH AND LEIGH DELEDIO FROM UFINANCIAL<\/strong><\/p>\n<p><strong>Did you know that in the past, professional athletes and Olympians often faced challenges securing home loans due to their fluctuating income and the unique nature of their industry?<\/strong><\/p>\n<p>Fortunately, lenders have since streamlined options, making it easier for them to borrow and buy property.<\/p>\n<p>But should an athlete go directly to a lender or work with a broker? Think of it like this: a broker is like a coach for your finances, helping you understand your numbers and providing guidance on the type of loan and lender that would be suitable for your circumstances.<\/p>\n<p>Professional athletes, like other professionals, can now borrow up to 90 per cent of a property\u2019s value without paying lenders mortgage insurance (LMI). This can save thousands of dollars, especially given the high LMI costs for valuable properties.<\/p>\n<p>To qualify for a professional athlete home loan, you typically need to meet minimum income requirements and other lending criteria. Your broker will provide detailed guidance specific to your situation during your initial enquiry.<\/p>\n<p>Generally, lenders require athletes to have been playing professionally for at least two years. Exceptions can be made on a case-by-case basis. For instance, if you&#8217;ve been playing for a shorter period but hold a contract exceeding the two-year minimum, your eligibility could still be considered. Lenders understand that athletes&#8217; income can vary significantly due to bonuses, sponsorships, and performance-based earnings. They typically assess your ability to make repayments based on two years of income statements or your contract details.<\/p>\n<p>Banks recognise various forms of income, including bonuses, endorsements, and sponsorships. Consistency in income is favourable when applying for a loan. Ensure you provide copies of relevant contracts or offers to substantiate this income. Athletes often receive income from overseas engagements or sponsorships in foreign currencies. Depending on the currency and your tax documentation, overseas income can be considered on a case-by-case basis. Entourage has extensive experience in successfully securing loans for applicants with foreign income, ensuring a smooth approval process.<\/p>\n<p>Navigating the complexities of securing a professional athlete home loan requires expertise and tailored advice. At UFinancial, we specialise in guiding athletes through these financial considerations, ensuring you receive the support needed to achieve your homeownership goals.<\/p>\n<p>For more information, head to <a href=\"http:\/\/ufinancial.com.au\"><strong>ufinancial.com.au<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>WITH DANIEL WALSH AND LEIGH DELEDIO FROM UFINANCIAL Did you know that in the past, professional athletes and Olympians often faced challenges securing home loans due to their fluctuating income and the unique nature of their industry? Fortunately, lenders have since streamlined options, making it easier for them to borrow and buy property. But should [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/timesnewsgroup.com.au\/bellarinetimes\/real-estate\/if-the-olympics-didnt-get-local-athletes-up-and-about-maybe-this-will\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":149,"featured_media":92811,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[19],"tags":[],"post_folder":[],"class_list":["post-92810","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>If the Olympics didn\u2019t get local athletes up and about, maybe this will - Bellarine Times<\/title>\n<meta name=\"description\" content=\"UFinancial specialises in guiding professional athletes through home loan processes, offering tailored advice and securing loans up to 90% of property value without LMI. 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