Question 1

Do I need to work in aviation to use Runway Mortgages?

Accepted Answer

Not at all. While we specialise in mortgages for pilots, cabin crew, ground handlers, cargo agents and airport staff, we search a broad & comprehensive range of lenders from across the market and are just as happy helping members of the general public — first-time buyers, home movers, remortgagers and landlords.

Question 2

How much does mortgage advice cost?

Accepted Answer

There's no obligation on your initial 20-minute call. Any adviser fee for arranging your mortgage will depend on your circumstances and will always be confirmed clearly before any advice is given or work carried out.

Question 3

How do I book my initial call?

Accepted Answer

Head to our Contact page and use the booking widget to pick a time that suits you, or send us a message and we'll get back to you within one business day.

Question 4

I'm paid partly in Flight Pay, Onboard shift commission or Night Duty pay — can lenders still assess this?

Accepted Answer

Yes. Flight Pay and Night Duty pay are usually treated like standard shift pay, which most lenders are comfortable with. Onboard shift commission is less common, so we match you with lenders who specifically know how to assess it properly alongside your basic salary, rather than ignoring it or discounting it unfairly.

Question 5

I'm on a fixed-term or training contract — does this rule me out?

Accepted Answer

Not necessarily. Many lenders will consider fixed-term aviation contracts, especially with a track record of renewal or a realistic prospect of permanent employment. We'll help present your situation in the best possible light.

Question 6

Does being paid in a foreign currency cause problems?

Accepted Answer

It can with some lenders, but others are set up specifically to handle foreign currency income for aviation staff. We'll match you with lenders who are comfortable with your specific pay arrangement.

Question 7

How long does getting a mortgage usually take?

Accepted Answer

From application to offer typically takes 2–6 weeks depending on the lender and complexity of your circumstances, with completion following on from there. We'll keep you updated at every stage.

Question 8

What documents will I need?

Accepted Answer

Typically proof of ID, proof of address, recent payslips or contracts, bank statements and details of any existing debts. For aviation professionals we may also request rosters or allowance breakdowns — we'll give you a tailored checklist.

Question 9

Can you help if I've been declined by another lender?

Accepted Answer

Often, yes. A decline elsewhere doesn't mean you can't get a mortgage — it may simply mean that particular lender's criteria didn't fit your circumstances. We'll search our broad & comprehensive range of lenders from across the market to find one that does.

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