Borrowing on bonus, RSUs and carried interest
Variable and equity-based pay can support serious borrowing, if the lender understands how it works.
For senior professionals, a large share of total earnings often sits outside base salary: annual bonus, restricted stock, share options, or carried interest. High-street affordability models tend to ignore or heavily discount this, which understates what you can genuinely afford.
How lenders treat it
Approach varies widely. Some lenders count a percentage of averaged bonus, others take a fuller view of vested equity and consistent carry. Private banks and specialist lenders are usually the most accommodating, particularly for high-net-worth clients with a track record of variable income.
What helps your case
Two to three years of evidence, payslips and vesting statements, and a clear explanation of how the pay is structured. Presented well, bonus and equity income can support borrowing that a standard salary-only assessment would never reach.
This article is for information only and does not constitute financial advice. Your home may be repossessed if you do not keep up repayments on your mortgage.
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