The 5 Mortgage Mistakes Pilots & Cabin Crew Can’t Afford to Make
Avoid losing time, money, and your dream home, discover the insider guide written by an aviation professional, for aviation professionals.
Getting a mortgage as a pilot or crew member isn’t simple.
Your income doesn’t fit the “normal” boxes lenders expect. Flight pay, allowances, training loans, and overseas schedules can all trip you up , leaving you with less borrowing power, higher rates, or even a declined application.
This free guide reveals the 5 most common mistakes that cost aircrew thousands, and more importantly, how to avoid them.
Inside, you’ll learn:
Why most brokers miscalculate aviation income (and how to fix it).
The lender rules that can make or break your approval.
How your roster and travel can delay or derail your mortgage.
The hidden deductions that shrink affordability.
The small credit slip-ups that lead to big rejections.
This isn’t theory. It’s written by a current BA pilot and ex-Chartered Accountant who’s helped hundreds of crew secure mortgages faster, borrow more, and buy the homes they really wanted.
“I was told I could only borrow £180k. DK Financial reviewed my payslips and secured me £40k more , and I got the flat I really wanted.” - Sophie, Cabin Crew
Why DK Financial?
We’re not a generic brokerage guessing at your payslips. DK Financial was founded by Darryl Kiy - a current British Airways pilot and former Chartered Accountant.
Our team includes aircrew & advisers with decades of experience in financial services, all trained to understand the unique challenges of aviation pay.
Because we live your lifestyle, we know how to:
Accurately present flight pay, allowances, and salary sacrifice schemes.
Go direct to lenders who already understand crew income.
Work around your roster with WhatsApp, video calls, and evening appointments.
We’ve helped hundreds of pilots and cabin crew:
Borrow more than they thought possible
Secure approvals in as little as 7 days
Protect their income and property for the long term
With whole-of-market access and relationships with the right lenders, we give you the advantage other brokers can’t.
DK Financial Services Ltd trading as DK Financial is an Appointed Representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority. The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. The Financial Conduct Authority does not regulate Will Writing and some forms of Trusts and Buy to Lets. A fee may be charged in certain circumstances up to £699.
DK Financial Services Ltd is registered in England and Wales with company number 13056850. Registered Office: 6 Pearce Court, 38 Chilbolton Avenue, Winchester, England, SO22 5GE
YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
© DK Financial Services Ltd, 2025