From Silicon Valley to Sydney: How a Big Tech Couple Secured a $960k Loan on Their RSU Income
From Silicon Valley to Sydney: How a Big Tech Couple Secured a $960k Loan on Their RSU Income
In the US tech world, RSU and bonus-heavy salaries often create a problem; most Australian banks don’t know how to assess this income. This Big Tech couple was told their equity-based pay was “too complicated,” but we showed them a path to a $1.2M property.
Client Snapshot
📍 Location: San Francisco, USA
🛂 Citizenship: Australian
👩💻 Occupations: Software Engineer & Product Manager at a leading tech company
👨👩👧 Family: Married, no children
💵 Combined Income: US$ 260−330k including RSUs+bonuses(AU400–499k equivalent)
🎯 Goal: Buy an Australian investment property now, with flexibility to live in it later
The Challenge
Even with their strong salaries, their unique financial profile presented three key obstacles:
⚠️ RSU Acceptance: Other brokers dismissed their equity-based income, which was a huge part of their pay.
⚠️ Foreign Currency Conversion: They needed a lender who would correctly convert their USD income to AUD without heavy “shading.”
⚠️ Future Flexibility: They feared they’d have to choose between an investment and a future owner-occupied loan.
The Solution
We built a tailored, future-proof strategy that made their income work for them, not against them.
Step 1 – Pre-Approval in 8 Days: We leveraged our relationship with ANZ, a lender with an expat-friendly policy that specifically accounts for RSU and bonus income.
Step 2 – Loan Approval: With the right lender on board, we secured a $960,000 loan.
Step 3 – Future-Proof Structure: The loan was set up with flexible features that allow a smooth transition to an owner-occupied loan down the road.
The Results
This wasn’t just about a loan; it was about securing their future and finally having a tangible foothold back home.
✅ A$960k approved at 80% LVR despite equity-heavy income
⏱️ 8 days to pre‑approval
🧭 Lender fit: ANZ RSU policy matched their pay
Client Testimonial
“We felt like we were hitting a brick wall with our stock options. Odin’s team understood our pay structure perfectly and within days, we were looking at properties knowing we could actually afford them. It feels like we finally have a foothold back home.” — Product Manager, USA
Working in the US? Your income abroad can still unlock property in Australia.
- Odin Mortgage helps Australian expats turn global pay packets, including RSUs, into home ownership back home.
- Contact our expat specialist today
Results are illustrative. Lending criteria apply. Individual outcomes may vary.
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