Mortgage broker for tech professionals with RSUs, equity compensation, and complex remuneration

Yes — but treatment varies dramatically between lenders. Some exclude RSUs entirely. Others include vested RSUs that have been sold and converted to cash, typically averaged over 12 to 24 months. A small number of lenders will take a broader view on upcoming vesting if the schedule is clear and the employer is a well-known listed company. The key factors are: how long you've been receiving RSUs, whether you've been regularly selling vested stock, and whether you can evidence the pattern with award letters, brokerage statements, and bank statements. We know which lenders accept RSU income and how to present it for the best outcome.

No. Many mainstream lenders still exclude RSUs from affordability calculations — particularly if the stock is unvested or hasn't been regularly sold. However, a growing number of lenders now have frameworks for assessing equity compensation, especially where the employer is a recognisable listed company with a track record of regular equity grants. The landscape is evolving, and what was excluded two years ago may now be accepted by specific lenders. We stay current on which lenders have updated their policies.

Expect to provide: award grant letters showing the full vesting schedule, confirmation of each vest (and sale where applicable), brokerage statements showing share movements and cash proceeds, bank statements evidencing the credits, employer compensation summaries, P60s, and recent payslips. The stronger the paper trail linking grant to vest to cash in your bank account, the more comfortable the underwriter. We'll tell you exactly what's needed after our first call.

Yes, but the route depends on your shareholding and income structure. If your equity stake has been diluted below certain thresholds (typically 20 or 25% depending on the lender), you may be classified as a PAYE employee — allowing you to borrow based on your current salary without needing two years of self-employed history. If you're classified as self-employed, lenders will typically want two years of tax calculations, which can be problematic if you've been paying yourself a minimal salary during the growth phase. We've helped multiple founders navigate this — it's about finding the right classification and the right lender.

Several UK lenders accept USD income, but each applies a different currency haircut — typically reducing the income they'll use by 10 to 25% to account for exchange rate risk. We work with all the major lenders that accept foreign currency income and know how to maximise what they'll count. For tech professionals with mixed-currency compensation — GBP base with USD RSUs, for example — we structure the application to maximise the sterling component and minimise the impact of the haircut.

Yes. Vested RSUs can be used as deposit evidence, though lenders will typically value them at a discount to current market price to account for potential price movements between application and completion. If you've already sold the stock and the cash is in your bank account, it's simply treated as savings — no discount applied. Unvested RSUs cannot be used as deposit evidence.

Our default is high street if it fits — the rates and fees are lower. Mainstream large-loans teams are now capable with RSU income, particularly for employees of well-known tech companies. Private banks make sense when you need flexibility that mainstream lenders can't offer: fully bespoke income assessment that considers unvested equity, lending against assets, or very large loans with complex multi-currency compensation. We'll always show you both options so you can make an informed comparison.

It can, particularly if RSU income is a significant part of your compensation. Your new employer's equity grant won't have a vesting history, so lenders that accept RSU income will typically fall back to your base salary and cash bonus until vesting begins. If you're planning a purchase, applying before you change jobs — while your current RSU track record is intact — can give you stronger borrowing figures. If you've already moved, we can often find lenders that will consider your combined track record across employers.

Typically between 4.5 and 5.5 times assessed income, with some lenders offering up to 6x for recognised professionals at certain income and LTV thresholds. The critical question is what the lender counts as income. A 5x multiple on £150k (base + cash bonus) is £750k. The same 5x on £230k (including vested RSUs) is £1.15m. We run the full calculation through lender-specific models to give you an accurate figure, not a headline.

We'll give you indicative figures the same day as our first call — usually within a few hours. Once we have your documents (typically P60s, payslips, RSU award letters, brokerage statements, and bank statements), we run a Decision in Principle within 24 hours.

For standard residential mortgages: no fee on loans above £500k, fixed fee of £500 for loans between £250k and £500k, and £1,000 for loans below £250k. For specialist cases — which includes foreign currency income, expatriate or overseas mortgages, Ltd company mortgages, and government schemes — there is a fixed fee of £1,000 at all loan sizes. Many tech professional cases involving USD pay or complex equity structures will fall into the specialist category. We'll always confirm which fee applies in the first meeting, before any work begins.