Every season we meet crew who found the right property and lost it because the groundwork wasn’t done. Four steps, in order:
- Agreement in principle — with a lender that accepts crew income, not just any lender.
- Deposit positioning — money in the right currency, in the right account, with a paper trail.
- Residency check — your SDLT surcharge and mortgage options both hinge on it. This is the step most crew skip.
- Solicitor on standby — instructing conveyancing on day one saves two to three weeks.
All four can be arranged from the boat. That’s rather the point of CrewFO.
