Choosing a mortgage product is rarely about chasing the lowest headline rate. For crew, three forces matter more.
Rate expectations
Where swap markets think rates are heading decides whether a two-year tracker or a five-year fix is the better bet. Neither is universally right — it depends on your plans ashore.
Your income mix
Paid in euros with a dollar bonus? Some lenders haircut foreign-currency income by 20–25%. The right lender choice can be worth more than any rate difference.
Flexibility
Offset and overpayment-friendly products suit crew with lumpy income — big months at sea, quiet months on leave. We model all three routes before recommending one.
