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US Expat Mortgages: RSU & Tech Equity Income Recognition

Do not let branch underwriters discount your Google, Apple, Meta, or Microsoft RSUs. Count 100% of your USD base and up to 80% of vesting equity for prime Australian real estate.

LOCAL ADVOCACY & STRATEGY GUIDE

Turn Your Silicon Valley & US Tech Wealth into Australian Property

Australian tech engineers, product managers, and executives working in Silicon Valley, Seattle, Austin, and New York receive some of the most lucrative equity-heavy compensation packages in the world. Between base salary and quarterly Restricted Stock Unit (RSU) vests, total annual earnings frequently range from $350,000 to $1,500,000+ USD.

However, standard Australian bank branch lenders almost always fail US tech applicants. They classify RSUs as 'unpredictable paper equity', refuse to count unvested grants, and shave 20% to 30% off your USD base salary.

Specialist US-Australia expat mortgage desks have established formal equity evaluation protocols. They audit your 2-year W-2 earnings, verify your E*TRADE, Morgan Stanley, or Charles Schwab vesting schedules, and count up to 80% of your RSU income toward your borrowing capacity.

Here is our strategy: We ask you a few quick questions about your situation, then match you directly with an accredited specialist who will fight for your approval, cut through bank red tape, and deliver your loan with zero stress. Get matched directly with an accredited specialist in 60 seconds via the Mortgage Matcher.

How It Works (Takes 2 Minutes)

1
Submit your USD Base & RSU Vesting Schedule
Provide your base salary, company name, and historical/future vesting schedule.
2
Match with a US Tech Expat Lending Specialist
Connect with an ASIC-licensed broker experienced in W-2, FATCA, and RSU equity lending.
3
Secure Pre-Approval up to $5M+
Lock in your pre-approval with full RSU income recognition.
Zero credit score footprint · Instant results · 100% Free
ASIC Regulated
Licensed Credit Reps & ACL
Statutory BID
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Client Feedback
Google Business Profile
3.00% APRA Buffer
APS 220 Stress-Tested
REGULATORY FRAMEWORK & WHOLESALE NON-BANK LENDER PANELS

Foreign Currency to AUD Zero-Haircut Borrowing Simulator

Calculate your borrowing capacity using 100% foreign currency income recognition (USD, AED, SGD, GBP, EUR) without retail bank shading.

ANNUAL FOREIGN CURRENCY INCOME (AUD EQUIV.) ($) $450,000
LIQUID CASH DEPOSIT / EQUITY ($) $400,000
ESTIMATED ZERO-HAIRCUT BORROWING CAPACITY ($)
$2,450,000
100% Policy Approved: 48-Hour Wholesale Expat Desk SLA

1. How Specialist Underwriters Value Tech RSUs

To qualify RSU income, specialist expat underwriters apply a standard 3-tier formula: 1. Confirm you work for an established, publicly traded enterprise (e.g. S&P 500 or NASDAQ 100); 2. Verify a continuous 12 to 24-month historical vesting track record; 3. Confirm ongoing unvested grants scheduled to vest over the next 24 months.

The lender applies a conservative 20% volatility buffer to the current stock price, converting the net annualized figure into Australian Dollars as recurring income.

⚡
W-2 & FATCA COMPLIANCE SPECIALIZATION
We provide streamlined W-9 / W-8BEN compliance forms that satisfy Australian banking compliance with zero delays, preventing the 3-week FATCA administrative stalls typical of retail branches.

2. Purchasing Trophy Australian Real Estate from the US

US-based expats frequently purchase premium waterfront, acreage, or luxury metro residences in Australia:

3. Remote Identity Verification Across the US

Verification of Identity can be performed digitally via secure biometric facial recognition, or in-person at Australian Consulates in San Francisco, Los Angeles, New York, Chicago, Houston, or Washington D.C.

Digital loan documents are executed electronically via secured DocuSign or banking portals.

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Accredited Mortgage Specialists

Accredited credit representatives independently verified against the ASIC Professional Register. Governed by statutory Best Interests Duty (BID) with direct wholesale lender desk access.

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David Chi Tran

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Real questions, verified lending scenarios, and credit advice insights from Australian home buyers, auction bidders, and accredited partner specialists.

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"Which tech companies' RSUs are accepted by Australian lenders?"

Sophie Taylor
Sophie Taylor Expat Credit Research Lead

Specialist lenders accept RSUs from established publicly traded tech companies including Apple, Google, Microsoft, Meta, Amazon, Nvidia, Salesforce, Netflix, and other major US equities.

"What if my company is private / pre-IPO?"

Marcus Vance
Marcus Vance Cross-Border Currency Analyst

Private pre-IPO stock options and unvested shares are generally excluded from serviceability calculations until the company goes public, but your base salary and cash bonuses will be assessed at 100%.

Frequently Asked Questions: US Expat Mortgages: RSU & Tech Equity Income Recognition

Which tech companies' RSUs are accepted by Australian lenders?
Specialist lenders accept RSUs from established publicly traded tech companies including Apple, Google, Microsoft, Meta, Amazon, Nvidia, Salesforce, Netflix, and other major US equities.
What if my company is private / pre-IPO?
Private pre-IPO stock options and unvested shares are generally excluded from serviceability calculations until the company goes public, but your base salary and cash bonuses will be assessed at 100%.
How does the US 401(k) affect my loan application?
Your 401(k) balance is viewed as strong asset backing and net worth proof, improving your overall risk profile with the credit underwriter.
Can I borrow up to $5M on US tech income?
Yes. Wholesale expat credit panels approve luxury facilities from $2M to $10M+ based on verified USD base and equity earnings.
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Zero Credit File Impact
Statutory Best Interests Duty (BID)

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