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)
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.
| Compensation Element | Retail Branch Policy | Specialist Tech Expat Desk | Documentation Needed |
|---|---|---|---|
| USD Base Salary | 20% - 30% Haircut | 100% Counted (0% Haircut) | W-2 + Recent US Payslips |
| Vested RSUs (Public Tech) | 0% (Completely Excluded) | Up to 80% Counted | 2-Year Vesting History + Schedule |
| Unvested Future RSUs | 0% (Ignored) | Counted with 2-Yr Track Record | Brokerage Vesting Schedule |
| Annual Performance Bonus | Shaded by 50% | 2-Year Average Counted at 100% | W-2 Box 1 + Employer Letter |
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.
2. Purchasing Trophy Australian Real Estate from the US
US-based expats frequently purchase premium waterfront, acreage, or luxury metro residences in Australia:
- Prestige Property Valuations: Direct engagement with senior property valuers experienced in luxury architectural homes.
- Bespoke Interest Rate Margins: Wholesale private banking discounts on facilities exceeding $2,000,000 AUD.
- Flexible Drawdown Terms: Interest-only or principal-and-interest facilities tailored to your cashflow cycles.
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.
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.
David Chi Tran
Emerge Finance
Frequently Asked Questions: US Expat Mortgages: RSU & Tech Equity Income Recognition
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