Mortgage broker for software engineers and IT professionals in Sydney

Client success stories

Here is what we have been able to achieve for tech professionals, engineers, and managers navigating complex equity and contract structures.

Utilising vesting equity for an Atlassian professional

An applicant wanted to purchase a home in Sydney's eastern suburbs, but their base salary and bonus income fell short of the required borrowing capacity. They received an additional $150,000 per year through an employee share scheme, but multiple lenders refused to recognise it because the employer is a US-listed company.

• The solution we found: We identified a major lender on our panel comfortable with US-listed tech equity and presented the historical vesting data to secure a full policy exception.
• The client's benefit: By successfully including the $150,000 share income in the servicing calculations, the client boosted their borrowing capacity and bought their ideal home.

Preserving investment property portfolios for Google employees

Applicants wanted to purchase a new home using their cash savings combined with proceeds from selling their vested Google shares. They needed to maximise their borrowing power on the new purchase to avoid being forced to liquidate their existing real estate portfolio.

• The solution we found: Our team mapped out the past three years of vested equity alongside the upcoming vesting schedule, proving a consistent, recurring income stream to the lender.
• The client's benefit: The lender accepted the equity as verified income, allowing the clients to buy their new home while keeping both of their existing investment properties intact.

Unlocking $265,000 in Amazon share income for new residents

Applicants who recently received their Australian permanent residency wanted to purchase a premium property. While their base salaries were strong, a significant portion of their wealth sat in unvested and vested Amazon shares, which standard bank algorithms flagged as variable risk.

• The solution we found: We researched lender policies to find a suitable match that would evaluate both the historical vesting track record and the guaranteed future vesting schedule.
• The client's benefit: The lender accepted an additional $265,000 per year in share-derived income, significantly increasing the applicants' borrowing capacity so they could comfortably secure a higher-value home.

Helping an Amazon professional buy a first home

A first-home buyer wanted to enter the competitive Sydney property market, using the sale of their tech shares to form part of the deposit. They needed to maximise their borrowing capacity to buy in their desired suburb, but traditional lenders ignored their equity compensation.

• The solution we found: We placed the application with a lender on our panel that recognises vested employee share scheme structures as verified income.
• The client's benefit: Including the client's $100,000 annual share income transformed their borrowing profile, empowering them to qualify for a home they could not have secured through standard base-salary calculations.

Expanding an Apple manager's investment portfolio

A long-term client looking to expand their investment portfolio required a substantial loan amount to secure their next property. Despite having a strong base salary and regular performance bonuses, they needed their vesting corporate equity recognised to clear the lender's final servicing hurdles.

• The solution we found: We packaged their salary, bonus structure, and upcoming Apple share vesting schedule into a single, comprehensive income analysis for the lender.
• The client's benefit: We secured a competitive loan offer that cleared the servicing blockages, allowing the client to successfully purchase the investment property without restructuring their other assets.

How we navigate the lending criteria for tech professionals

Tech-native loan structures

• RSUs and stock options: Many traditional bank policies do not understand how to calculate vesting stock schedules. We know which lenders on our panel accept equity as verified income.
• Contractor flexibility: If you operate under an ABN or rolling IT contracts, we can help find competitive options that do not require multiple years of company tax returns.
• Maximising borrowing power: We analyse your base salary, sign-on bonuses, and equity packages to ensure your overall capacity reflects what you actually earn.
• LMI waiver opportunities: Certain tech professionals may qualify for specialised lender policies that reduce or completely waive lenders mortgage insurance.

Our process is designed around your schedule

Straight to the point, zero fluff

We know your time is valuable, so we lead with clear actions and manage the heavy lifting on your behalf.

Why tech professionals partner with Loan Market Double Bay

• Real choice: We negotiate with a panel of over 90 banks and lenders to find a suitable loan for your lifestyle.
• No out-of-pocket broker fees: We do not charge for our initial appointments, and our mortgage broking service is obligation-free. We are compensated directly by the lender you choose.
• We do the legwork: You focus on your deployments and code, while we handle the paperwork, compliance tracking, and lender follow-ups.