RSU Income Mortgages

If RSUs are a core part of your income, you need a mortgage broker who truly understands them.

Restricted Stock Units (RSUs) are an increasingly common form of compensation, particularly in the tech, finance, and startup sectors. But when it comes to borrowing, most lenders still treat RSU income with caution — and many brokers don't know how to properly structure applications to reflect its value.

At Faye Richards Private Finance, we specialise in working with high-earning professionals whose income includes RSUs, bonuses, dividends, or other non-traditional streams. Whether you're buying your first home, remortgaging, or investing in property, we know how to present your RSUincome in the best light — and match you with lenders who are willing to consider it.

Can RSU Income Be Used for a Mortgage?

Yes — but only certain lenders will consider it, and even then, it depends on how your RSUs are structured and your overall financial profile.

We have access to the full market, including high street, specialist, and private banks, and we know which lenders are open to RSU income — and how to present the income effectively.

Key factors lenders consider include:

• Vested vs. unvested RSUs – Most lenders will only consider vested RSUs or those with a clear, regular vesting pattern.
• Employment history – Typically, lenders want to see at least 12–24 months of consistent RSU vesting to treat it as reliable income.
• Employer profile – The financial strength, listing status, and market performance of your employer plays a role — especially if it’s a private company.
• Frequency of sale – Regularly selling your RSUs (instead of holding them all) often strengthens your case.
• Currency & location – If RSUs are granted in foreign currency or held in overseas accounts, it may add complexity — but we can handle that.

Why Use a Specialist RSU Mortgage Broker?

Most mortgage brokers are used to PAYE salary slips and struggle when income involves performance shares, bonuses, or equity.

We offer:

• Expert packaging of your application to highlight income stability
• Access to specialist lenders and Underwriters who understand RSUs
• Discreet, strategic advice tailored to high-value borrowing
• Experience dealing with cross-border or multi-currency compensation

We don’t just plug figures into a calculator — we help lenders understand your full financial picture.

Who We Work With

We regularly help:

• Tech professionals with equity packages from global or fast-growth startups
• Executives with RSU and bonus-heavy income structures
• Finance professionals with deferred shares or long-term incentive plans (LTIPs)
• UK-based employees earning RSUs from US-listed firms
• Professionals returning from overseas with complex vesting schedules

With years of experience helping clients with complex income structures, and strong relationships with a wide range of lenders, we know how to turn complexity into clarity.

If RSUs are a major part of your income — and you want to make them work for your mortgage — we're here to help.