Can Restricted Stock Units (RSUs) Be Used to Qualify for a Mortgage?
Restricted Stock Units (RSUs) can count towards a mortgage, but only at some lenders and usually only once they have vested and been sold for cash. Which lender you use, and how your proceeds have been handled, can move the borrowing figure by hundreds of thousands of pounds on the same income. Here is how RSU income is assessed, what evidence it takes, and when it is better left out.
Co-Investment and Your Mortgage: Structuring Around Capital Calls
Your co-investment is real money, but a mortgage lender may not see it. A capital call isn't a credit commitment, so it may not be on a credit search and you have no obligation to declare it. The work of a specialist broker is asking the questions a lender may not, and structuring borrowing so liquidity is there when calls land.
Remortgaging With Restricted Stock Units Or Bonus-Heavy Income
Bonus-heavy or RSU-led pay doesn’t have to derail your remortgage. Learn how lenders may treat variable pay and vesting equity, what typically counts, and the documents that help—plus a clean packaging strategy, worked example, and risk controls.
Do All Lenders Accept RSU Income?
Paid in RSUs? Not all lenders will count them. This guide explains who accepts RSU income, what evidence you’ll need (vesting history, statements, cash proceeds), how much typically counts, and when a specialist or private bank can unlock higher affordability.