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Maximise Your Mortgage Borrowing using RSU Income

Are you struggling to secure the mortgage you need to buy the home of your dreams because Lenders refuse to acknowledge your RSU income?


At AIM Independent Mortgage Solutions, we specialise in helping clients to secure the best possible mortgage deals by utilising their RSU income to maximise their borrowing.


Here’s what you need to know:

What is an RSU?


An RSU, or Restricted Stock Unit, is a type of stock-based compensation that many UK employers offer to their employees and for many these RSUs can make up a large portion of their total compensation package. RSUs are often used to reward employees for their contributions to the company and to incentivise them to stay with the company for the long term. RSUs typically vest over a period of time, often three to five years. This means that the employee will receive the shares at the end of the vesting period, assuming they have met the conditions set by the company. Once the RSUs vest, the employee can either sell the shares or hold onto them. If they sell the shares they will receive the cash value of the shares at the time of sale, minus any applicable taxes or fees.


It is important to note that RSUs can be complex, and the specifics of how they vest can vary from company to company.


Can I Use RSU Income for My Mortgage?


YES, you can use your RSU income to maximise your mortgage borrowing. However, we work with over 100 Lenders and there are only a handful who understand and are willing to use RSU income towards their mortgage affordability calculations. Not all mortgage advisers are familiar with how RSUs work, which can make it difficult to secure the best possible mortgage options and terms. This can be frustrating and time-consuming, especially if the home of your dreams relies on being able to use your RSU income to maximise your borrowing capabilities. That’s where we come in! Our Team of experienced mortgage advisers have a deep understanding of the RSU market, and we are here to help you make the most of your RSU income when applying for a mortgage.


We can:


  • Use your RSU income to maximise your mortgage affordability, enabling you to secure a larger mortgage

  • Use your RSU income for additional borrowing on your current mortgage (Lender depending). This can be used for home improvements, debt consolidation or a deposit on an investment property

  • By securing a larger mortgage, you may require a smaller deposit

  • Help First Time Buyers get onto the property ladder faster by securing a larger mortgage

  • Help Home Movers buy larger properties


How Can Using RSU Income Help My Borrowing


We understand a large portion of your income comes from your RSUs. By using your RSU income to increase your mortgage borrowing can help you secure a larger mortgage and the home of your dreams. RSUs are a form of taxable income, and some mortgage lenders will take them into account when assessing your affordability. By working with us we can help you understand how to use your RSUs to your advantage when applying for a mortgage and help you to secure the best possible mortgage deal.


Customised Solutions


We understand that each and every one of our clients have unique needs and requirements and we pride ourselves on providing customised solutions that meet our clients specific goals. Whether its First Time Buyers, Home movers, Re-mortgage, or to borrow additional funds from your current mortgage lender, we have the expertise, experience and passion to help you achieve your goals through our personalised advice.



Expert Advice on RSU Mortgages


Our Team of experienced mortgage advisers have a proven track record of success in securing the best possible mortgage deals for our clients, even in the most complex RSU cases. We have built strong relationships with banks and lenders, giving us direct access to underwriters which makes the mortgage process much easier. This allows us to present your case in the best possible way, resulting in a quicker, smoother mortgage process. The Lenders we use are not boutique lenders offering high interest rates, but high street lenders with competitive mortgage rates. 


Your home may be repossessed if you do not keep up repayments on your mortgage.


Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.



Contact Us Today


At AIM Independent Mortgage Solutions, we are committed to providing the highest level of services to our client’s. We believe that everyone deserves access to expert mortgage advice, and we are here to help you make the most of your RSU income when applying for a mortgage. If you are interested in learning more about how we can help you to maximise your mortgage borrowing with RSU income, please contact us today to schedule a consultation with one of our mortgage advisers. We look forward to working with you!


Case Studies


Case Study 1:


First Time Buyer with RSU Income


Our client has been working with a London Broker for close to 4 months who sadly was unsuccessful in using her RSU income to maximise her mortgage affordability. She had been told this could not be done and was close to losing her dream home. She had been recommended to AIM Independent Mortgage Solutions by a colleague who had previously used our services. Our client was relieved to learn we work with a number mainstream banks who are able to use RSU income for mortgage affordability and she was over the moon when her mortgage offer was issued within 4 working days of being submitted.


Case Study 2:


Additional Borrowing for Home Improvements


Our client had an existing mortgage with a mainstream bank and wanted to explore the possibility of borrowing additional money for home improvements. He approached his local branch for guidance but was informed his RSU income could not be used for affordability purposes. He contacted AIM Independent Mortgage Solutions and we were able to secure him the borrowing he required through his current bank.


Case Study 3:


Home Mover Upsizing


Our client was in search of a larger home for his family and finally found their dream home in Central London. However, his own bank were unable to provide him with a sufficient mortgage to complete the purchase. Fortunately, our client was recommended AIM Independent Mortgage Solutions by a colleague. After conducting a full fact find and gaining a comprehensive understanding of our clients RSU compensation, we were able to secure a mortgage that exceeded his own bank’s offer by over £170,000. Additionally we secured the financing with a mainstream lender offering the most competitive interest rates available, making it a win-win situation for our client.

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