Which lenders offer Restricted Stock Unit or RSU Income mortgages?

When it comes to using RSUs (Restricted Stock Units) in mortgage applications in the UK, you're looking at a niche, specialist area, as mainstream high street banks generally won’t consider RSU income, so you'll likely move into bespoke lending territory. Some of the more well-known lenders offer RSU income mortgages, but they do not tend to advertise them.

Which lenders will consider RSU income?

High-net-worth or private banking divisions

• Some private or boutique banks often accept RSU income. Some of the biggest banks accept up to 100% of vested stock when applicants can show regular income.

• HSBC, Metro Bank, Skipton, Kensington, and NatWest may accept vested RSUs—especially with documented history.

Typical RSU mortgage application process

1. Engage a specialist broker like Trinity Financial
   Essential to match you with a lender comfortable with RSUs and articulate your case to underwriters.

2. Assemble comprehensive documentation including: 

   • RSU grant & vesting schedules

   • Historical vesting data (ideally 2+ years)

   • Evidence of sale proceeds or cash from vested RSUs

   • Payslips, P60s, contracts, portfolio statements 

3. Valuation & affordability assessment

   • Lenders may discount RSU value (common thresholds: 50–100%)

   • They stress-test affordability (e.g., worst-case fallback scenarios) 

4. Manual underwriting & holistic review

   • Possibly escalated to senior underwriters

   • May need accountant’s letters to contextualise RSU stream

5. Approval, offer & legal conveyancing

   • Once approved, you proceed as with any mortgage—valuation, paperwork, and completion.

Is it hard to get an RSU mortgage?

Yes and no:

• More complex than standard mortgages — but entirely feasible with the right advisor and financial history.

• Common hurdles:

  • Need a documentation trail—at least 1–2 years of RSU history

  • Only vested RSUs are typically accepted

  • New-hire grants may be excluded by some lenders 

  • Requires manual underwriting, which takes more time and involves negotiation

• Outcome: most find the process smooth once submitted correctly. 

 Your roadmap to success

1. Speak with an RSU-savvy broker—like Trinity Financial.

2. Gather all relevant RSU documentation—vesting schedule, RSU history, proceeds.

3. Ensure at least 1–2 years of consistent vested RSU income.

4. Target lenders known for RSU acceptance—private banks and lenders open to more specialist deals.

5. Be prepared for discounts in valuation of the RSU & longer underwriting.

6. Close the deal and enjoy leveraging RSU income for your mortgage.

In summary

• Mainstream banks rarely accept RSUs outright.

• RSU mortgages aren’t easy—but not excessively difficult—especially with the right documentation and broker guidance.

Call Trinity Financial on 020 7016 0790 to secure an RSU income mortgage, book a consultation, or complete our mortgage questionnaire. 

The information contained within was correct at the time of publication but is subject to change.

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