The Challenge
Executive compensation packages confuse most lenders: base salary is straightforward, but bonuses, equity, and options create complexity. Here's how specialist lenders evaluate your total compensation package for maximum lending capacity.
Real Examples: How Specialist Lenders See It
Corporate Executive
Income: $200k base + $100k bonus (5-year average)
Home Value: $800k home
Result: Bank counted only base. Specialist: payment history + employment contract, counted full bonus, approved $850k
C-Suite with Stock Options
Income: $250k base + $150k options (partially vested)
Home Value: $1.1M home
Result: Options complexity. Specialist: vesting schedule + historical value, conservative valuation, approved $950k
COO with Discretionary Bonus
Income: $180k base + variable $80k bonus
Home Value: $750k home
Result: Bonus called "discretionary." Specialist: 3-year average + board minutes, counted full amount, approved $800k
How to Get Approved
- Gather documentation specific to your income structure (not just tax returns)
- Find a specialist lender who understands your profession
- Present your income optimally—showing gross, net, projections, and add-backs
- Work with a broker who can match you with the right lender first time
Get Your Free Assessment
Tell us your income structure and we'll show you exactly how much you can borrow—and which lenders will approve you.
Call 0432 634 648 — Free AssessmentNo obligation. No broker fees.