Structured Deals..

Can someone please explain to me how fee's over certain amount of times work, for example say I have 272k in my transfer budget, how can I offer more than this for a player without a lack of funds preventing the deal.

The amount taken out of your budget is the fee up front (if any), plus either half (for up to two years) or a quarter (for up to four years) of the fee to be paid out in installments, but note that I may not be correct for those longer than two years (don't use the longer term ones myself). So therefore if you buy a player for a million with £100k up front and £900k over two years then your budget will drop by £550k (i.e. 100k + half 900k).

Now the remainder of the transfer fee not taken out of budget will be taken in subsequent years for as long as you are paying off the deal. So if you do enough of these kind of deals you could beggar your transfer policy for up to the next four years. And also remember that the payments are equal amounts paid monthly over the life of the deal.