Case Study: RSU Mortgage UK: Mortgage Approved With Vested RSUs
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RSU mortgage UK refers to lenders assessing restricted stock units as income where vesting is proven and consistent. Most consider only vested RSUs, usually averaged over 12–24 months, and require clear documentation of awards and cash credits. Unvested grants are typically excluded from affordability.
Client Profile
Persona: Senior Software Engineer (Big Tech)
Income: £95k base + RSUs vesting quarterly
Property: £900k house
Goal: Maximise borrowing using a credible track record of vested equity income
The Challenge
Unvested RSUs: Commonly not counted by mainstream lenders.
Irregular Income Pattern: Quarterly vesting creates peaks/troughs in payslips and bank credits.
Price Volatility: Share price movements can distort recent months.
Evidence Burden: Underwriters look for award schedules, vest confirmations, and cash realisations.
Our Approach
Use A 12–24 Month Average: We modelled affordability on vested (and where sold, realised) RSUs only, smoothing volatility.
Exclude Unvested Grants: Kept the case clean and policy-aligned.
Evidence Pack: Employer award letters, vesting schedules, brokerage statements showing vest/sale, bank credits, and payslips.
Timing: Submitted just after a quarterly vest to reflect current-year income.
Part & Part Structure: Matched to a lender offering part interest-only with an acceptable repayment strategy on the IO slice.
Stress Tests: Sensitised for lower future vest amounts and share price dips.
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Documents Lenders Want To See For RSU Mortgage UK
Award grant letters and full vesting schedule
Confirmation of each vest (and sale where applicable)
Brokerage statements showing share movements and cash proceeds
Bank statements evidencing credits
Employer compensation summary / P60s and payslips
The Outcome: Approval With Part Interest-Only Structure
Decision: Mortgage approved with a part & part setup, keeping repayments efficient while meeting policy on the IO portion.
Affordability: Vested RSUs recognised via a 12–24 month average; unvested stock excluded.te shifts.
What Helped This Case Succeed
Clear Paper Trail: Every vest mapped to a statement and bank credit.
Prudent Averaging: Normalised irregular vest timings and price swings.
Right Lender Fit: Appetite for variable remuneration and part interest-only within LTV and income thresholds.
What Our Clients Say
Guidance For UK Borrowers With RSUs
Expect Unvested RSUs To Be Ignored in affordability.
Build A 12–24 Month Record of vested (and where sold, realised) awards.
Organise Evidence Early—award docs, brokerage, and bank statements.
Consider Part & Part if policy allows and a suitable repayment plan exists.
Time Your Application shortly after a vest when documentation is freshest.
Why Kite Mortgages
We translate equity compensation into lender-friendly language—targeting policies that consider vested RSUs and structuring applications to pass affordability without overpromising.
Request your fee free mortgage consultation today. No obligation, just sound advice.
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YOUR HOME MAY BE REPOSESSED IF YOU DON’T KEEP UP REPAYMENTS ON YOUR MORTGAGE
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APPROVED BY THE OPENWORK PARTNERSHIP ON 24/09/2025