{"id":7434,"date":"2025-07-10T22:16:52","date_gmt":"2025-07-10T12:16:52","guid":{"rendered":"https:\/\/www.mworks.com.au\/RSU\/?page_id=7434"},"modified":"2025-07-23T19:17:15","modified_gmt":"2025-07-23T09:17:15","slug":"rsus-lending","status":"publish","type":"page","link":"https:\/\/www.mworks.com.au\/RSU\/rsus-lending\/","title":{"rendered":"RSU&#8217;S &#038; Lending"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"7434\" class=\"elementor elementor-7434\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<div class=\"elementor-inner\">\n\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3e763cb elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"3e763cb\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;video&quot;,&quot;background_video_link&quot;:&quot;https:\\\/\\\/cdn.pixabay.com\\\/video\\\/2024\\\/06\\\/01\\\/214822_large.mp4&quot;,&quot;background_play_on_mobile&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-background-video-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<video class=\"elementor-background-video-hosted elementor-html5-video\" autoplay muted playsinline loop><\/video>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8709ee8\" data-id=\"8709ee8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b173d33 elementor-widget elementor-widget-heading\" data-id=\"b173d33\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"> RSU  Income Explained:<br>\nMaximising Your Home Loan Potential<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7886e59 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7886e59\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2226d18\" data-id=\"2226d18\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7577f7c elementor-widget elementor-widget-spacer\" data-id=\"7577f7c\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a04f09b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a04f09b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-376718d\" data-id=\"376718d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ff6a3d0 elementor-widget elementor-widget-text-editor\" data-id=\"ff6a3d0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>If you\u2019re a tech professional in Australia, your compensation package likely includes more than just a base salary. <strong>Restricted Stock Units (RSUs)\u00a0and Performance Stock Units (PSUs)<\/strong>\u00a0often make up a substantial portion of total earnings\u2014yet many banks and lenders don&#8217;t fully recognise this income when assessing borrowing power for a home loan.<\/p><p>This page outlines how RSU income is treated by lenders, what documentation is required, and how to ensure your full income potential is considered when applying for a mortgage.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b1cb90f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b1cb90f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a54d9c3\" data-id=\"a54d9c3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-140b156 elementor-widget elementor-widget-heading\" data-id=\"140b156\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Understanding RSU and PSU Income<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c6ec33 elementor-widget elementor-widget-text-editor\" data-id=\"4c6ec33\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>RSUs and PSUs are forms of equity-based compensation, commonly issued by tech companies. These units typically vest over a set period, becoming taxable income once vested. In Australia, this is reported to the ATO and appears in your <strong>Employee Share Scheme (ESS) Annual Tax Statement or tax returns.<\/strong><\/p><p>Despite this, many lenders don\u2019t include RSU income in their home loan assessments\u2014particularly if you&#8217;re <strong>applying directly through standard channels<\/strong> or don&#8217;t meet very specific criteria.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9925b40 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9925b40\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e68003d\" data-id=\"e68003d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-261b077 elementor-widget elementor-widget-heading\" data-id=\"261b077\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Why Lenders May Overlook RSU Income<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-81bf2e6 elementor-widget elementor-widget-text-editor\" data-id=\"81bf2e6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><strong>Lack of Policy:\u00a0<\/strong>Most lenders do not have clear, public-facing policies around RSU income. However, some banks may accept RSU income through a broker channel\u2014especially when working with brokers who have strong relationships or premium accreditation status.<\/p><p><strong>Income Volatility:<\/strong> Because RSU income is tied to stock price performance, lenders may discount or ignore it due to perceived inconsistency.<br \/>Documentation<\/p><p><strong>Requirements:<\/strong>\u00a0Properly verifying RSU income requires tax returns or ESS statements that not all borrowers know how to access.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0915c36 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0915c36\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2019c9b\" data-id=\"2019c9b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-55cb127 elementor-widget elementor-widget-heading\" data-id=\"55cb127\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Can I Use RSU Income for a Home Loan?<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd6434f elementor-widget elementor-widget-text-editor\" data-id=\"bd6434f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Yes\u2014<strong>if you meet the right conditions<\/strong>\u00a0and go through a lender or broker familiar with RSU structures. The following criteria are commonly expected:<\/p><p><strong>Employment Tenure:<\/strong>\u00a0Typically at least <strong>2\u20133 years with your current employer<\/strong><\/p><p><strong>Publicly Listed Company:<\/strong>\u00a0Your employer must be listed on the <strong>ASX, NASDAQ, NYSE, or other major exchange<\/strong><\/p><p><strong>Consistent Vesting:<\/strong>\u00a0You have two consecutive years of vested RSU income<\/p><p><strong>Proper Documentation:<\/strong>\u00a0You can provide ESS Annual Tax Statements or tax returns\u00a0showing RSU income under the Employee Share Scheme section<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9e112d1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9e112d1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1584cca\" data-id=\"1584cca\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fd8bc8f elementor-widget elementor-widget-heading\" data-id=\"fd8bc8f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Where to Find Your RSU Income Documentation?<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ba3bdf elementor-widget elementor-widget-text-editor\" data-id=\"6ba3bdf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><strong>ESS Annual Tax Statements:<\/strong>\u00a0Download from your company\u2019s share platform (e.g., Shareworks or Fidelity)<\/p><p><strong>Tax Returns:<\/strong>\u00a0Look under the \u201cDiscount from Deferral Schemes\u201d line in your most recent ATO-issued returns<\/p><p>These are the figures lenders will use when assessing your RSU income.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4580f58 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4580f58\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1e43fd7\" data-id=\"1e43fd7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bab4106 elementor-widget elementor-widget-heading\" data-id=\"bab4106\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">How Lenders View RSU Income Differently?<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0e9823 elementor-widget elementor-widget-text-editor\" data-id=\"d0e9823\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Not all lenders assess RSU income the same way. For example:<br \/>Some use the average income across two financial years, while others take the lower figure<br \/>A 20\u201340% haircut may be applied to account for market volatility<br \/>Most do not consider unvested shares or future grants<br \/>Because of these inconsistencies, working with someone who understands how RSU income affects borrowing power\u2014and who knows which lenders accept RSU income in Australia\u2014can make a significant difference.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-974e571 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"974e571\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-276ba6f\" data-id=\"276ba6f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cdcd325 elementor-widget elementor-widget-heading\" data-id=\"cdcd325\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Choosing the Right Broker or Lender<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a50df8f elementor-widget elementor-widget-text-editor\" data-id=\"a50df8f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\tIf you&#8217;re searching for:\n<ul>\n \t<li>&#8220;Mortgage broker for tech employees Australia&#8221;<\/li>\n \t<li>&#8220;How RSUs affect borrowing power&#8221;<\/li>\n \t<li>&#8220;Banks that accept RSU income&#8221;<\/li>\n \t<li>&#8220;Mortgage with stock income or RSUs&#8221;.<\/li>\n<\/ul>\n&#8230;then you&#8217;re in the right place. Not all brokers specialise in this niche, but those who do can accurately present your income to lenders and significantly increase your borrowing potential.\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fe56643 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fe56643\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-620c1d9\" data-id=\"620c1d9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-80edbe7 elementor-widget elementor-widget-heading\" data-id=\"80edbe7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Why Work With Us?<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c70ab5 elementor-widget elementor-widget-text-editor\" data-id=\"3c70ab5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<ul><li>We specialise in helping tech professionals secure finance that reflects how they\u2019re actually paid.<\/li><li>We&#8217;ve worked with clients from Atlassian, Google, Salesforce, Afterpay, Xero, Hubspot, Zoom, Microsoft and other leading tech companies.<\/li><li>We understand which lenders accept RSU income, how to present it, and how to avoid delays or misinterpretation.<\/li><li>We help you avoid the common traps of going directly to a lender who may not credit your full income.<\/li><li>Our approach is strategic, transparent, and tailored to the needs of high-earning professionals in tech.<\/li><\/ul>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-449852d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"449852d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9ab8919\" data-id=\"9ab8919\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c7b4663 elementor-widget elementor-widget-heading\" data-id=\"c7b4663\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Still Have Questions?<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af88c1e elementor-widget elementor-widget-text-editor\" data-id=\"af88c1e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>If you&#8217;re unsure whether your RSU income qualifies, or you&#8217;re looking for a second opinion on your borrowing power, feel free to book a quick obligation free call.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7994e2 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"f7994e2\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.mworks.com.au\/RSU\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Talk To Us<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>RSU Income Explained: Maximising Your Home Loan Potential If you\u2019re a tech professional in Australia, your compensation package likely includes more than just a base salary. Restricted Stock Units (RSUs)\u00a0and Performance Stock Units (PSUs)\u00a0often make up a substantial portion of total earnings\u2014yet many banks and lenders don&#8217;t fully recognise this income when assessing borrowing power &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.mworks.com.au\/RSU\/rsus-lending\/\"> <span class=\"screen-reader-text\">RSU&#8217;S &#038; Lending<\/span> Read More &raquo;<\/a><\/p>\n","protected":false},"author":6,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-global-header-display":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"class_list":["post-7434","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>RSU&#039;S &amp; Lending - MortgageWorks<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.mworks.com.au\/RSU\/rsus-lending\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RSU&#039;S &amp; Lending - MortgageWorks\" \/>\n<meta property=\"og:description\" content=\"RSU Income Explained: Maximising Your Home Loan Potential If you\u2019re a tech professional in Australia, your compensation package likely includes more than just a base salary. 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