Can I get a UK mortgage if I work at sea for months at a time?

Yes, many lenders will consider seafarers mortgages, but they may ask for extra evidence to show income stability, contract history, and how you are paid during rotations.

Do lenders accept seafarer day rates, overtime, and allowances?

Sometimes. Policies differ, and lenders may include variable pay in different ways (for example, using an average over time). The stronger your history and paperwork, the easier it is for an underwriter to assess.

How is foreign-currency income treated for a seafarer mortgage?

Lenders often convert foreign income into sterling and may reduce the usable amount to allow for exchange-rate movements. This can affect affordability even when gross pay is strong.

What documents should I prepare first for a seafarer mortgage application?

Start with contracts, recent proof of pay (payslips or remittance advice where available), and bank statements showing income landing. Also prepare deposit evidence and identification documents.

Does Seafarers’ Earnings Deduction affect mortgage affordability?

It can influence how your net income and tax position appear on paperwork. Lenders focus on sustainable affordability, so presenting a clear and consistent income story, supported by documents, is usually helpful.

Can I get a buy-to-let mortgage as a seafarer?

It may be possible, but buy-to-let affordability is often assessed differently (typically focusing on rental cover as well as personal circumstances). Lender criteria varies and depends on the property and your overall profile.

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Seafarers mortgages can feel harder than they should, not because you are higher risk, but because your income rarely fits a standard UK payslip template. If you are paid at sea, on rotation, through a foreign employer, or in a foreign currency, Mortgage One will guide you through the process from start to finish.

Why Mortgage One for Seafarers?

Direct Access to your own dedicated Seafarer Mortgage Specialist
You will deal with one dedicated advisor who understands Seafarer employment and lender requirements, so you are not repeating your situation to multiple people.

Specialist Knowledge Of Seafarer Income And Contracting
Seafarers often have non-standard income patterns, including rotation schedules, foreign currency elements, overtime, allotments, and contract-based employment. We are experienced in presenting this clearly to UK lenders using the right evidence (for example contracts, payslips, bank statements, and employer confirmations where required). Lender criteria and affordability checks vary and will depend on your full profile.

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Flexible, Client-Centric Service Around Rotations And Time Zones
We keep the process practical for life at sea. We can work around limited connectivity and different time zones, and we prefer the first meeting via Zoom so you know precisely who is handling your mortgage and you have direct access to your advisor throughout.

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Access To A Wide Range Of UK Lenders
As part of the Quilter Financial Services Ltd network, we can access a broad range of UK mortgage lenders and products, including options designed for more complex income profiles. Product availability, rates, and criteria can change at short notice.

Clear Guidance On UK Property Considerations
We can help you understand the mortgage process and the typical lender considerations for different UK property types (for example flats, new build, ex-local authority, or buy-to-let). We do not provide legal, tax, or investment advice - for tax planning and residency matters you should speak to a qualified accountant, and for legal matters a solicitor.

Efficient, Transparent, And Secure Process
You can expect clear communication from decision in principle through to completion, with secure handling of documents and straightforward next steps. Digital processes can reduce delays, but timings will still depend on underwriting, valuations, and solicitors.

Conclusion
Mortgage One supports seafarers with a structured, lender-ready approach, flexible communication, and a dedicated advisor from start to finish. If you are buying, remortgaging, or arranging buy-to-let, we will guide you through the requirements and options based on your circumstances. https://www.mortgageonefinance.co.uk/

Mortgage One is an appointed representative of Quilter Financial Services Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA).