A single Atlassian engineer with no dependents wanted to buy their first home in Sydney. They had $400k in savings but thought their max budget was far below the properties they wanted.
Most lenders weren’t recognising their RSUs and bonus income in full. This cut their borrowing power by hundreds of thousands. They also wanted to avoid stretching themselves with excessive debt, but didn’t want to compromise too heavily on location or property quality.
We analysed their full income profile:
One lender’s policy for RSUs and bonuses stood out. They offered the highest borrowing capacity while keeping rates and fees competitive.
We modelled two scenarios: closing a $10k credit card vs keeping it open, showing the difference in max purchase price.
This gave them confidence to shop in their preferred suburbs, knowing their RSUs and bonuses were working for them.