Navigating the Mortgage Waters: A Seafarer’s Guide

Seafarer Mortgages


Navigating the Mortgage Waters: A Seafarer’s Guide – Seafarers Mortgages. For those who brave the open seas, life as a seafarer is an adventure like no other. It comes with unique challenges, rewards, and a lifestyle that sets you apart from land-based folks. If you’re considering buying a home or property while working as a seafarer, you might wonder how to navigate the mortgage process, given your unconventional lifestyle. In this guide, we’ll explore the ins and outs of securing a mortgage as a seafarer.

Understanding Your Financial Profile

Before you embark on the journey to homeownership, it’s essential to understand your financial profile. Lenders will evaluate your financial stability and assess your ability to repay a mortgage. Here are some key points to consider:

  1. Income Documentation: Seafarers often have irregular income due to the nature of their work. It’s crucial to maintain well-organised financial records, including pay stubs, employment contracts, and bank statements.
  2. Credit Score: Your credit score plays a significant role in mortgage approval. Regularly check your credit report and address any discrepancies or issues. A good credit score can improve your chances of getting a favourable mortgage rate. – To have a look at your credit file – CLICK HERE –
  3. Employment History: Lenders typically prefer seafarers with a stable employment history. Providing evidence of consistent employment contracts can bolster your application.

Special Considerations for Seafarers

  1. Mortgage Brokers: Consider working with a mortgage broker who specializes in seafarer mortgages. They have experience dealing with the unique challenges faced by seafarers and can connect you with lenders who understand your situation.
  2. Seafarer Mortgages: Some lenders offer specialised mortgage criteria for seafarers, which may include more flexible income verification requirements. Explore these options to find one that suits your needs.
  3. International Mortgages: If you’re an international seafarer, you may need to explore mortgage options in your home country or in the country where you intend to buy property. International mortgages can have different eligibility criteria.

Tips for a Smooth Mortgage Application

  1. Organise Your Finances: Maintain meticulous financial records. This includes income statements, bank statements, tax returns, and proof of employment contracts.
  2. Plan Ahead: Start the mortgage application process well in advance of your property purchase. This allows you to address any financial issues or improve your credit score if necessary.
  3. Consult with Professionals: Seek advice from mortgage brokers and financial advisors who have experience working with seafarers. They can guide you through the process and help you make informed decisions.


Becoming a homeowner as a seafarer is an achievable goal, but it requires careful planning and attention to detail. Understanding your unique financial situation, exploring specialised mortgage lenders, and enlisting the help of experienced professionals can make the process smoother. With the right support and preparation, you can sail through the mortgage process and anchor yourself in a home you can call your own. So, chart your course, gather your documents, and set sail towards homeownership. The horizon is closer than you think.

If you’re looking for a mortgage, look no further! Get in touch with our team, and we’ll point you in the right direction.

Related Posts

How to check your current credit score

A good place to start when you have issues with your credit file is to check your credit report.

It’s important to note that while having a good credit score can increase your chances of being accepted for a mortgage, there are other factors that lenders consider as well.  These include your income, employment history, debt-to-income ratio, and the size of your deposit.

To increase your chances of being accepted for a mortgage, you can take steps to improve your credit score and address any issues on your credit report, such as reducing debt, making payments on time, and disputing any errors on your report.

If you need further guidance with understanding your credit report, send a copy of your report to

check my file logo

Try it FREE for 30 days. then £14.99 per month. Cancel anytime

Why our customers recommend GoMortgage
Take a look at our Google reviews
Ogbonge AfricanMama
Ogbonge AfricanMama
I reached out to Chris on facebook after i stumbled on one of his reels, i wasn't expecting anything positive from Facebook as i had been previously turned down by two major Mortgage Advisers. Natalie and Shirley took up my case and in a short while got me a high street lender despite the price of the property been raised by 20%. They carried me along all through the process and i was never left in the dark. I am a single parent , first time buyer and first time landlord. They also helped me get the right Legal Advisers and Insurance. I highly recommend their services. Thank you Natalie and Shirley. BR Gina
Chris Days
Chris Days
Amazing service
Graham Nicholls
Graham Nicholls
Rhiannon supported us throughout the mortgage application process. Very friendly, supportive, and knowledgeable. Highly recommended.
Calum Hayward
Calum Hayward
Absolutely brilliant service! I cannot fault Chris, Natalie and Shirley. They got us our dream home and supported us through the entire journey! Thank you!
Meg Talbot
Meg Talbot
We always thought buying our first house would be stressful, when we found this company through a few Facebook videos we thought we would enquire. Rhiannon got in touch with us and she talked us through the whole process and sorted so much for us! I would not recommend anyone else she has been amazing and we can’t thank her enough.
benjamin lee
benjamin lee
After seeing Chris days facebook reels I got in touch with gomortgage and was contacted by Laura who took some details of what I was wanting .Laura provided an outstanding service and nothing was to much even down to final details she explained everything and chased up the lender looking forward to doing buisness again in the near future. 5 star service would not hesitate to pass details on to any family friends etc
Meritxell Humbert
Meritxell Humbert
Very professional service, from the early beginning until the purchase is completed. Valuable and frequent updates to keep me up to date on the purchase process. Would recommend 100%
Russ Bury
Russ Bury
Chris and Shirley made getting my first mortgage so easy and quick. A very professional, friendly and personal approach. I would recommend them and Go Mortgage to anybody. Easily 5 star service. Thank you. Russ
Anita Winters
Anita Winters
Chris and Shirley have been so good in helping us secure a mortgage and guide us through to completion. Always ready to answer any questions we had and very responsive in correspondence. Would highly recommend.
Numan Ashequl
Numan Ashequl
We have been very stressed about our housing situation. We came across Laura Thompson. She went above and beyond to support our requirements providing an informative but tailored service for me and my family. We were able to contact her almost any time and she was delightful to talk to. We really appreciate all she has done. Really a great service from Laura outstanding professionalism. Thank you so much to go mortgage and to LauraThompson!!