My restaurant gets 70% income from delivery platforms. How is that assessed?

Total business income from BAS/tax returns. Delivery vs in-store split doesn't matter.

My business is growing fast — last year's tax return doesn't reflect current income. Anything I can do?

Some lenders accept current YTD with accountant's letter. We know which.

Platform fees take 30%. How does that affect borrowing capacity?

Platform fees deducted as expenses. Net income matters.

How much can I borrow as a food delivery business owner on $200K turnover?

$200K turnover at healthy margins = $50K–$80K net. On $80K net + 20% deposit: $520K–$650K.

I run a ghost kitchen with 3 delivery-only brands. How is that treated?

Treated as food business income. Multiple brands consolidate through one ABN.

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Food Delivery Business

Food Delivery Business Owner Home Loan Australia: Real Lending for Delivery-First Restaurants

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

Restaurant + delivery service, ghost kitchen, multi-platform delivery business — Mortgagefy knows lenders who handle food delivery business income properly.

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Who this guide is for

Australian food delivery business owners — restaurant + delivery, ghost kitchens, multi-platform delivery operators — wanting home loans for business owners.

Restaurant owners with strong delivery channels (Uber Eats, Doordash, Menulog)
Ghost kitchen operators serving multiple delivery brands
Cloud kitchen and dark kitchen business owners
South Asian food delivery business owners (Indian, Bangladeshi, Pakistani)

The real challenge

Food delivery business owners face the same restaurant lending challenges plus added complexity around platform fees, commission structures and rapid scaling income patterns.

Specialist lenders treat delivery-first food businesses as small business income with 2+ years' BAS and tax returns.

How Mortgagefy helps

Mortgagefy works with lenders comfortable with food delivery business income. We document platform consolidation, identify lenders flexible with rapid-growth scenarios, and present applications properly.

Free advice.

How it works — 4 simple steps

Free food delivery business chat

20-minute call about your structure, platforms, growth and target home.

Compare lender options

We identify lenders comfortable with food delivery business income.

Application package

We compile your tax returns, BAS, platform statements and supporting documents.

Settle your home

Approval through to settlement with ongoing support.

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 food delivery business home loan assessment

Free 20-minute call about your real options as a food delivery business owner.

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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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