Providing mortgages across the UK
Our experts take the time to understand your financial situation and specialise in arranging great mortgages with more generous loan sizes. We can let you know how much you can borrow and the lowest rates.
Why use Trinity?Mortgages for high earners paid in Restricted Stock Units
Many senior professionals working in technology, finance, fintech and international businesses receive a large part of their total pay through Restricted Stock Units, known as RSUs.
RSU income can significantly increase borrowing power, especially for clients applying for larger mortgages. However, many UK lenders either ignore RSUs or use only a limited percentage of income when assessing affordability.
Trinity Financial’s large-loan mortgage brokers regularly help high earners, executives, senior technology professionals, and employees of global-listed companies secure mortgages using salary, bonus, and RSU income.
Technology and software companies are the biggest firms likely to pay their staff in RSUs. These include Google, Amazon, Meta, Apple, Microsoft, Salesforce and Adobe. RSUs have become especially common among US technology firms with UK-based employees. Investment banks, private equity firms and asset managers may offer deferred stock, RSUs or share-based long-term incentives to senior staff. This can include firms such as Goldman Sachs, Morgan Stanley, J.P. Morgan and other global financial groups.
Can RSU income be used for a mortgage?
Yes, some lenders will accept RSU income, but the criteria vary significantly.
Some banks only use vested RSUs with a two or three-year track record. Others apply a discount to reflect share price movement and income volatility. Fewer lenders and private banks may take a more flexible view, particularly for senior employees with strong, recurring equity income. Trinity's brokers have access to at least ten lenders offering Restricted Stock Unit income mortgages.
This is why lender choice is so important. A borrower may be offered a much smaller mortgage if their lender ignores RSU income, even where their total remuneration is high. Over the years, Trinity Financial has grown its panel of banks keen to attract homebuyers using their RSU income as part of their remuneration package.
In some cases, now that banks offer mortgages of up to 6.5 times salary to higher earners, it may no longer be necessary to include RSU income in the affordability assessment. If a lender does not require information about RSU income, applicants may have access to a wider choice of mortgage lenders.
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Speak to one of our mortgage experts. Either book an appointment to come and see us, or request one of our experts to call you.
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Who needs an RSU income mortgage?
RSU income mortgages are often suitable for:
- Senior technology professionals
- Employees of US-listed companies
- Finance, fintech and private equity professionals
- High earners buying in London or the South East
- First-time buyers with strong total compensation
- Home movers needing larger loans
- Borrowers applying for £1 million-plus mortgages
- Clients paid in salary, bonus, RSUs or US dollars
What documents do lenders need?
Lenders usually ask for payslips, P60s, employment contracts, RSU award letters, vesting schedules, share account statements and evidence of vested or sold shares.
The stronger and clearer the evidence, the easier it is for an underwriter to assess the income.
RSU income and large mortgage loans
RSUs can make a major difference to large mortgage applications. For example, a client with a strong basic salary and significant vested stock may be able to borrow more with a lender that accepts RSU income than with one that ignores it.
Trinity Financial works with high street banks, specialist lenders, building societies and private banks that understand complex remuneration packages. They want to issue more mortgages.
Call Trinity Financial on 020 7016 0790 to secure a leading RSU Income mortgage.
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