Helping an Amazon Executive Buy a $1.5M Home Without Selling Stock
“A real story about proving future income, protecting long-term wealth, and getting a lender to see past the paperwork.”
🧩 The Challenge
Our client, a senior professional at Amazon, wanted to purchase a $1.5M home — without selling the RSUs (stock) that made up a large part of their compensation and long-term wealth plan. On paper, most lenders only recognize salary income, and RSU vesting schedules don’t fit neatly into a standard mortgage application.
🔘Strong Employer 🔘 Recently Relocated🔘 RSU-Heavy Income
However, the file came with two extra complications: a recent relocation meant an international credit bureau pull would normally be needed, and overseas debts had to be proven as paid before a Canadian lender would count the income at all.
Why?
“Most lenders won’t touch RSU income without a proven two-year history on paper.” – Initial lender feedback
📉 This is a common roadblock for:
Tech and corporate employees paid partly in stock
Recent immigrants with strong income but a thin local credit file
Anyone told “just sell the stock” as the easy way out
And it represents a bias in how lenders read income: only what’s easy to verify, not what’s actually there.
Reconstructed two years of RSU income directly from T4 slips, giving the lender a documented, defensible history instead of asking them to take our word for it.
Proved the client’s overseas debts were already paid off, removing the objection that was slowing the file down.
Timed the gifted portion of the down payment so it met seasoning requirements without delaying the closing date.
Found a lender willing to work from the documentation we’d already built, avoiding a costly, unnecessary international credit bureau pull.
Instead of simplifying the file by asking the client to sell, we made the complicated version of the truth easy for the lender to say yes to.
💡 What You Can Learn from This
✅ RSU income is approvable — but only with two years of documented history behind it.
✅ Overseas debts don’t have to sink a file if they’re properly documented as resolved.
✅ You don’t have to liquidate long-term investments just to make a mortgage file “simple.”
📞 Call to Action
Facing pushback due to your job or income style?
Let us help tell your story — and find the right mortgage solution for you.
📧 paul.davidescu@mortgagepal.ca