Can I get a home loan if I drive for Uber Eats AND Doordash?

Yes — specialist lenders look at total annual BAS/tax income, not which platforms.

How long do I need to be delivering before I can get a loan?

Most specialist lenders want 12 months BAS or 1 year tax returns. Shorter possible with PAYG income.

My income is $80K but I claim a lot of vehicle expenses. Does that hurt me?

Yes — assessed income is net of expenses. Aggressive deductions reduce borrowing power.

How much can I borrow as a delivery driver?

For $60K net + 20% deposit: typically $400K–$550K borrowing capacity.

What if I also have a part-time PAYG job?

Combined income helps. PAYG counted at higher percentages than gig income.

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Delivery Driver

Delivery Driver Home Loan Australia: Lending for Gig Economy Workers

Mortgagefy Broker Team · Published 2026-04-29 · Last reviewed 2026-04-29

Multiple platforms, ABN income, weekly statements that look nothing like a payslip — banks default to "no". Mortgagefy knows lenders who handle delivery driver income properly.

Start Your Free Assessment 0432 634 648

Who this guide is for

Delivery drivers across Uber Eats, Doordash, Menulog, Amazon Flex and other platforms wanting home loans that recognise their actual income.

Full-time delivery drivers earning $50K–$100K+ across multiple platforms
Part-time delivery drivers combining gig work with PAYG employment
Drivers with 12+ months trading history and quarterly BAS
South Asian and migrant delivery drivers needing language and cultural support

The real challenge

Delivery driver income is the trickiest income type for major Australian banks. Multiple platforms, weekly settlement statements, ABN structure, no employer relationship, and high cash-equivalent expenses (fuel, vehicle maintenance, phone). Most major banks decline outright.

Specialist lenders exist who understand the gig economy. They look at consolidated annual income from BAS or tax returns and apply realistic serviceability calculations.

How Mortgagefy helps

Mortgagefy works with lenders who specifically accept gig economy income. We help you consolidate income from multiple platforms in the format the lender requires, document your trading consistency, and identify which lender fits your specific income mix and history.

Free advice — we tell you honestly what's possible.

How it works — 4 simple steps

Free delivery driver chat

20-minute call about your platforms, monthly income, BAS history and deposit.

Compare specialist lenders

We identify lenders who accept gig economy income — and tell you what each will offer.

Application package

We compile your statements, BAS, tax returns and bank statements in the lender's required format.

Settle your home

Approval through to settlement, with documentation support throughout.

Frequently asked questions

We use offer letters and vesting schedules to value RSUs conservatively. We present current vesting value + projected future vesting as a 3-5 year income average. This gives lenders confidence in your income stability while accounting for market volatility.

Both. We work with W2 employees, 1099 contractors, and consultants. For contractors, we use 2 years of tax returns plus business financials. We have lenders who specialise in contractor income—they understand the variability.

Unvested options have zero value for refinancing. We count only vested equity. If you have a 4-year vest, we use 25% of the grant value (what's vested) plus a conservative projection of future vesting.

If you've been in your new role 6+ months, most lenders will refinance. We'll use your offer letter plus 6 months of pay stubs. If less than 6 months, it's harder but possible with specialist lenders.

Yes, if you have 2+ years of bonus history. We average the past 2 years and present it conservatively. Some bonuses get counted at 50% to be conservative with variable compensation.

ESPP is counted as deferred compensation. If your company matches or you have a discount, we value it as part of total compensation package.

Get a delivery driver home loan assessment

Free 20-minute call about your real options as a multi-platform delivery driver.

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Get your personalised answer in 2 minutes

Free, no obligation. We'll match you with the right lender for your situation.

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