020 8668 6080

Mortgages

Mortgages for Pilots, Cabin Crew and Airport Staff

Airline and airport pay often includes allowances, overtime, shift premiums and variable flying pay, and lenders do not all treat these the same way. From Airport House on Purley Way, PMS Mortgages helps airline and airport workers around Gatwick, Crawley, Croydon and Surrey.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Income lenders may consider

  • Basic salary

An open-plan kitchen and living room filled with daylight
Mortgage advice tailored to your property plans, with 90+ lenders compared.

  • Flying pay, sector pay and allowances

  • Overtime and shift premiums

  • Bonuses

  • Income after training, for newly qualified pilots

    • Some lenders average variable pay over recent months; others accept only part of it. Choosing the right lender can make a real difference to how much you can borrow.

    Situations we help with

    • Newly qualified pilots with training loans

    • Cabin crew with variable allowances

    • Staff on fixed-term or seasonal contracts

    • Contractors and agency workers at the airport

    • Buying near Gatwick in Crawley, Horley, Reigate or Redhill

    Documents to prepare

    • Recent payslips, often three to six months, and your latest P60

    • Employment contract and any breakdown of allowances

    • Details of any training loan

    • Bank statements and proof of deposit

    Approval is always the lender's decision.

    Our fee

    We may charge a broker fee for mortgage advice. Our typical fee is £479, payable only when you receive a mortgage offer. The fee will be confirmed before you proceed.

    90+ UK LendersHigh-street and specialist lenders compared
    Fee only on offerTypical fee £479, payable only when you receive a mortgage offer
    18 years of experiencePersonal advice tailored to your circumstances
    Frequently asked questions

    Your questions answered

    A family unpacking cardboard boxes on the floor of their new home

    • Some lenders include a proportion of regular allowances, often averaged over several months. Others use basic salary only. We will find lenders whose approach suits your pay.

    • Yes, some lenders will consider it. The monthly repayment is usually factored into affordability.

    • Yes. Our office is at Airport House on Purley Way in Croydon, and we also offer phone and Zoom appointments to fit around shift patterns.

    How It Works

    How it works

    1. 01

      Initial consultation

      Speak to PMS for an initial consultation to assess your affordability and an indication of the type of borrowing available to you within the mortgage market.

      Affordability assessed across 90+ lenders
    2. 02

      Full consultation

      If you're happy to go ahead, PMS Mortgages will arrange a full consultation by Zoom, phone or face to face. Where appropriate, we can help you obtain an Agreement in Principle. An Agreement in Principle shows how much you may be able to borrow based on the information you provide. It is not a mortgage offer and is subject to full application and credit assessment.

      Indicative borrowing assessed
    3. 03

      We handle the detail

      Once you have found a property we take care of everything else, mortgage application, surveys, solicitors, searches and dealing with any estate agents or developers on your behalf.

      Application, surveys and legal work managed
    4. 04

      Support to completion

      Your dedicated case manager and your consultant will be on hand to guide you through the whole process.

      Supported right through to completion

    Ready to take the first step?

    Your initial consultation is without obligation. Speak with an adviser in Croydon or over Zoom.

    020 8668 6080

    Talk to a mortgage adviser who understands shift pay

    Call us on 020 8668 6080