Welcome to Lansdown Financial Services

free mortgage advice

We search the whole market and have access to over 70 different lenders, here are a sample of the providers we use:

Santander

Restricted Stock Unit (RSU) Mortgages
and Vested Shares Mortgages

It is possible to obtain a mortgage using income from Restricted Stock Units (RSUs), including vested or vesting shares. However, only a very limited number of lenders will take this type of income into account when assessing affordability.

For the lenders who do consider RSU income, several key factors come into play, including:

Whether the RSUs are vested or unvested

Your length of employment

The currency in which the RSUs are granted and held in your investment account

The overall strength and financial performance of your employer

With access to over 70 high street lenders, private banks and boutique lenders, we will research your enquiry and provide tailored advice personal to you. With over 35 years combined experience, we have exceptional contacts throughout the mortgage industry so we are perfectly placed to help you with you requirements

The UK’s leading mortgage broker

for RSUs mortgages and Vested Share mortgages

Lansdown Financial Services was founded with a clear purpose: to provide expert Mortgage and Protection advice to clients across the UK, while delivering an exceptional level of customer service that our clients truly deserve.

Our two co-founders and directors, Doug Miller and Aaron Taghdiri, have over 25 years combined experienced in the mortgage industry. They’ve supported a wide range of clients, from first-time buyers to high-net-worth individuals, including those seeking multi-million pound mortgages or with large property portfolios.

We regularly advise clients employed by global firms such as Amazon, Google, and Costco UK, as well as investment banks and private equity firms. Many of these professionals receive a significant portion of their compensation through Restricted Stock Units (RSUs) or vested shares.

Our advisers are highly experienced in working with RSU and vested share income, it’s a core area of our expertise. We will package and present your application correctly to the lender, ensuring a swift and successful outcome on your application with your mortgage offer issued quickly and painlessly.

Why Choose Us

Fee Free Advice
Access to Thousands of Deals
Experienced Mortgage Brokers

Access to Exclusive Products
Five Star Rated Google Reviews
Personal Bespoke Service

Meet The Team

Industry leading knowledge for

RSU mortgages and vested stock mortgages

At Lansdown Financial Services, we provide you with clear, honest, professional mortgage advice. We keep the jargon to ourselves, and ensure you understand everything, every step of the way.

Here are some of the most commonly asked questions we receive regarding using RSUs income and vested shares for a mortgage application in the UK:

Is it possible to use RSUs, vesting stock or vested stock as income for a mortgage?

Yes, absolutely, however it does depend on a lot of factors and very few high street banks accept RSUs for affordability.

The lenders which will accept RSUs will often accept both vested and unvested stocks. Mortgage lenders will look at your history of receiving RSU income over the past 2 – 3 years (or longer), specifically when you pay tax on these stocks (when they are granted or when they vest), and they will always ask you to provide a vesting schedule as part of your mortgage application.

Lenders will also consider the percentage of your total income that derives from RSUs. The more heavily weighted this is towards your RSUs compensation, the more thorough lenders will be when assessing your application.

Typically banks will take into account 50% of your total RSUs income for mortgage affordability, however subject to how these paid and how long they vest for, there are lenders in the market who can use up to 100% of this income for a mortgage application.

What are the challenges of using RSU income or vested stock for a mortgage?

Very few lenders in the market will consider RSU income for a mortgage. This means that this will limit the choice products available to you and may mean you do not qualify for some of the most competitive interest rates available.

With the lenders that will consider this income, they will carefully consider the company you work for (and financial strength of your employer), how long the vesting period is, as well as the currency your stocks are granted and held in and consider any currency volatility that may affect the value of your stocks. They will look at your track record and history of receiving RSUs and the trend of the amount you have received over the past 2 – 3 years.

Speaking with a broker that fully understands how RSU income works, and how lenders will view and calculate this income, is absolutely vital given the complex nature of how RSUs work.

How do lenders calculate and assess RSU income and vesting or vested shares?

Lenders can consider both the vested and unvested value of your RSUs. They will carefully look at your track record of receiving this income over the past 2 – 3 years, and will often base affordability on the average amount you have received during this period (or the most recent year if lower).

Banks will look at a wide variety of factors, and based on these factors will use between 50% – 100% of your RSU income for affordability. Approaching the right lender, and carefully explaining your income with the correct supporting documents can really help maximise the amount you can borrow to purchase your new home or remortgage your existing property.

What documents will I need to provide?

Alongside the usual documents lenders request, such as your latest three months (or 13 weekly) payslips and latest three months bank statements, banks will typically ask you to provide your latest two years P60s and most importantly, a copy of your vesting schedule.

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In a Hurry Form

LISA

Absolutely fantastic mortgage advisers.

Absolutely fantastic mortgage advisers. Couldn’t be more happy with the service, they were so helpful, patient and considerate of my individual circumstances and the actual mortgage application process was so quick, I was amazed! Really, really pleased, with huge thanks to Doug, Rhianna and all the team.

July 2025

TOBY

I couldn’t be more impressed with the service I received.

I recently completed a remortgage through Lansdown Financial Services, and I couldn’t be more impressed with the service I received. From the initial consultation to the final paperwork, the entire process was handled with efficiency, clarity, and genuine care. I’m now on a much better mortgage deal, saving money each month and feeling more financially secure. The whole experience was far less stressful than I expected, thanks to the team’s support and expertise.

OLIVIA

Gives the facts and none of the normal jargon.

Great communication from Tom and Rhianna at LFS. We engaged with Tom back in 2024 and formally instructed him this year. Tom has been informative, transparent and just gives the facts and none of the normal jargon you get from a high street mortgage advisor. Myself and my partner would definitely recommend LFS - great service all round!

June 2025

BEL

We were two very nervous first time buyers and we were made to feel so at ease.

We can’t recommend Aaron and them team enough. We were two very nervous first time buyers and we were made to feel so at ease, no question too silly for them. They were quick to respond and easily contactable, right down to an issue that arose a day before completion, they were around to help us. Thanks so much Lansdown team!

SAM

Aaron has gone above and beyond to sort this in a short timeframe.

My wife and I are first time buyers and have been speaking with Aaron to secure a mortgage offer. The process has been fantastic, Aaron is incredibly responsive and takes the time to explain everything in detail. Everything has been straight forward, and Aaron has gone above and beyond to sort this in a short timeframe. We recommend using Lansdown FS to anyone needing mortgage advice!

BETH

Exceptional - I don't normally leave reviews but Lansdown FS have been faultless.

Exceptional - I don't normally leave reviews but Lansdown FS have been faultless. From the moment i got in touch I was contacted by Alannah Hall who has dealt with my not so straight forward Mortgage application from start to finish. Alannah has gone above and beyond the extra mile for me in my circumstances to find a good rate, package and was always so helpful in explaining all of my options and finding the time to set up a call to discuss this whilst I have been working away overseas in different time zones. I won't hesitate in future to get back in touch with them again or recommend them both to anyone looking for a mortgage broker in Bath. 10/10

May 2025

CHLOE

Secured a mortgage offer with a great rate and in record time.

I can’t rate Aaron and his team highly enough! From the first call that we had with him, he has been incredibly professional, responsive and reassuring for us as first time buyers. He has guided us through every step of the process in a super clear way, and we feel that we are in very safe hands. We have just secured a mortgage offer with a great rate and in record time despite some complicated credit history, all thanks to their hard work. I’m so glad we chose Lansdown Financial Services