Maximising RSUs: How an Amazon employee unlocked 5x more mortgage borrowing
Project Overview
Client:
Income Type:
Mortgage Amount:
Bank Used
Challenge
Our client, an Amazon employee living in the UK for the past three years, was ready to buy his first home. He initially spoke to his bank, but they didn’t include his RSU (Restricted Stock Unit) income when calculating affordability.
Since RSUs made up a significant part of his total compensation, this limited the amount he could borrow. As a result, he couldn’t access the kind of property he was aiming for.
Results
After a brief call with one of our advisers, we matched him with a high street lender known for being RSU-friendly. By presenting his full compensation package clearly, we were able to secure a mortgage where the lender considered his RSU income in addition to his salary and bonus.
This boosted his borrowing capacity to over five times what his bank had initially offered. It opened the door to the kind of home he really wanted.
