Hedge Fund COO Refinances £1.8m on £2.5m Home Using Vested Deferred Compensation
A hedge fund COO with half his bonus deferred needed to refinance £1.8m on a £2.5m home before his fix expired. A clearing bank counted the vested tranches paid through payroll, recognising £400,000 of income, and the remortgage completed at 4.5x.
Mid-Market PE Director Secures £1.6m Mortgage on £2.1m Home Using Co-Investment Equity
A mid-market PE director needed £1.6m for a £2.1m home; salary and bonus reached £1,425,000 at most. A private bank recognised three years of crystallised co-investment gains, taking recognised income to £375,000 and the loan to roughly 4.3x.
US Tech Employee Based in the UK Secures £2.58m Remortgage Using USD Income and Equity Compensation
A UK-based employee of a US technology firm secured a £2.58m remortgage using USD salary, bonus, and RSUs. This case study explains how equity compensation and foreign currency income were assessed through a private banking solution.
RSU Mortgage UK: Mortgage Approved With Vested RSUs
A senior software engineer on £95k with quarterly RSU vesting bought a £900k house. By averaging 12–24 months of vested RSUs and packaging award letters, brokerage statements and payslips, we evidenced sustainable equity income—resulting in approval with a part interest-only structure.