31-01-2023
Updated 5/9/2025
Transform your equity compensation into property ownership power with specialist mortgage lenders who understand restricted stock units (RSUs).
Using vested stock & RSU for mortgage affordability purposes
Using vested stock and Restricted Stock Units (RSUs) as part of your mortgage affordability calculations can significantly enhance your borrowing power. When properly documented and assessed, these income streams can be included by mortgage lenders to increase the total qualifying income.
When using vested stock or RSU income for mortgage affordability purposes, lenders will carefully review your vesting schedule, compensation statements, and bank statements showing the liquidation of stock units.
Typically, lenders use between 50% and 100% of your RSU income, depending on factors such as the financial health of your employer, the length of your employment, and the consistency of your vesting schedule.
Working with a specialist mortgage broker experienced in equity compensation can help you navigate these complexities and identify lenders who are willing to consider your vested stock and RSU income favourably.
To discuss your funding requirements call 02035195590 or email enquiry@foxdavidson.co.uk
Why Use Vested Stock & RSU Income for Your Mortgage?
Maximise your mortgage eligibility by leveraging your total compensation package, not just your base pay. Here’s how RSU income transforms your mortgage affordability calculations:
- Boost Your Borrowing Power – Include up to 100% of your RSU income to qualify for larger mortgage amounts, often increasing affordability by 30-50%
- Leverage Your Total Compensation – Don’t limit yourself to basic salary when investment banks and global firms offer substantial equity compensation packages including restricted stock units RSUs and stock options
- Access Premium Properties – Higher mortgage affordability calculations open doors to better locations and larger homes previously out of reach
- Faster Mortgage Approval – Specialist lenders and boutique lenders understand vesting schedules and streamline the mortgage process for equity compensation
- Most Competitive Interest Rates – Strong total income profiles often qualify for better mortgage rates and terms from private banks and lending institutions
Unlike stock options, restricted stock units RSUs provide predictable income streams that mortgage lenders can assess for qualifying income once properly documented.
What Makes RSU Mortgages Different?
Our specialist approach to stock based compensation sets us apart from conventional mortgage applications:
- Specialist Lender Network – Access to private banks, boutique lenders, and lending institutions who actively accept RSU income and understand vesting schedules
- Complex Income Assessment – Professional evaluation of stock unit compensation, vesting typically occurs patterns, and foreign currency conversions for accurate mortgage affordability calculations
- Higher Net Worth Treatment – Recognition of your total compensation package including unvested stock holdings and performance milestones achievements such as meeting a certain sales target
- Tech & Finance Industry Expertise – Deep understanding of equity compensation issued by major employers and how each company’s stock compensation structure affects mortgage eligibility
What Our Clients Are Saying
Real success stories from professionals who maximised their mortgage potential using restricted stock units RSUs:
📢 “I thought I could only borrow based on my basic salary, but including my vested stock income increased my mortgage by £200,000. The specialist mortgage broker understood my vesting schedule perfectly.”
⭐️⭐️⭐️⭐️⭐️ “Unlike other mortgage advisers, they knew exactly how to present my RSU income to lenders. Got approved for a larger mortgage with competitive interest rates in just 3 weeks.”
📢 “My compensation package includes a significant portion of stock units, and not all lenders would consider them. This team found lenders who accept bonuses and RSUs income at full value.”
⭐️⭐️⭐️⭐️⭐️ “The mortgage process was seamless. They handled all the complex documentation around my vesting schedules and foreign currency compensation.”
Mortgage Options for RSU Income
Access the full spectrum of lending options that accept RSU income and understand equity compensation structures:
🏦 High Street Banks – Major lenders including Santander, Barclays, and Halifax accepting RSU income with 2+ year vesting history for competitive rates
💼 Private Banks – Premium service for high net worth individuals with complex non cash compensation structures and international equity awards
🏛️ Building Societies – Holistic affordability approach considering your overall income including bonus paid income and vested shares for generous mortgages
🎯 Specialist Lenders – Boutique lenders focusing exclusively on equity compensation mortgages with flexible criteria for various vesting schedules
Most popular choice: Specialist lenders who understand that vesting typically occurs quarterly or annually and can assess future income streams.
Frequently Asked Questions
Quick answers to common concerns about using restricted stock units RSUs for mortgage applications:
🔹 Can I use unvested RSUs for mortgage calculations?
Some specialist lenders consider future vesting schedules in affordability calculations, especially for employees with established vesting patterns at publicly traded companies. Some lenders may apply a ‘haircut’ on foreign-currency RSUs to account for exchange-rate fluctuations.
🔹 Do I need to sell my RSUs before applying?
Not necessarily. While bank statements showing liquidation history strengthen applications, many lenders accept bonuses and stock compensation based on vesting schedules alone.
🔹 How do lenders handle stock price volatility?
Most lenders use average values over 12-24 months to smooth fluctuations, assessing affordability based on historical rather than current stock prices. Lenders will evaluate the financial health and stability of the company that issued the RSUs.
🔹 Can foreign currency RSUs be used for UK mortgages?
Yes, with proper currency conversion documentation. Many global firms issue equity compensation in USD or EUR, which specialist mortgage brokers routinely handle for UK mortgage purposes.
🔹 What if I’m between vesting periods?
Lenders review your complete compensation history, including how much bonus paid and equity compensation awarded historically, plus future vesting schedules to assess ongoing income streams.
🔹 How does RSU income affect my debt to income ratio?
Including vested stock income typically improves your debt to income ratio significantly, as it adds substantial qualifying income without additional debt obligations.
Maximise Your Mortgage Potential Today
Don’t let traditional lenders limit your home buying power to just your basic salary. Unlock the hidden value in your total compensation package with specialist mortgage advice that understands restricted stock units RSUs and equity compensation.
🔹 Get Your Free RSU Mortgage Assessment 🔹
💡 No obligation consultation. No hidden fees. Just expert mortgage advice.
🔒 Trusted by 500+ Tech & Finance Professionals | Award-Winning RSU Mortgage Specialists | Same-Day Initial Assessment
⚡ Quick Response Guarantee – Initial assessment within 24 hours
🎯 Specialist Expertise – Dedicated team understanding vesting schedules and equity compensation
🛡️ 100% Satisfaction Promise – We’ll find lenders who accept your RSU income or provide full guidance on strengthening your mortgage application
Transform your equity compensation into property ownership power. Book your consultation today and discover how much more you could borrow using your complete compensation package.
