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Food Delivery Business

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

Q: 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.

Q: 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.

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

Platform fees deducted as expenses. Net income matters.

Q: 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.

Q: 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.

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

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

All revenue flows through your BAS and tax returns. Lenders look at total business income — they don't care about delivery vs in-store split.

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

Some specialist lenders accept current YTD financials with accountant's certification to demonstrate recent growth. We know which lenders accept this approach.

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

Platform fees are deducted as business expenses. Net income after platform fees and food costs is what counts.

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

$200K turnover with healthy margins might net $50K–$80K. With 20% deposit on $80K net, $520K–$650K borrowing is commonly achievable.

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

Ghost kitchen / cloud kitchen income is treated as food business income. Multiple brands consolidate through one ABN typically. We help structure the documentation properly.

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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