How is multi-platform gig income consolidated?

All platform income consolidated through BAS/tax returns.

How long do I need to be gigging before I can apply?

12 months BAS or 1 year tax returns. Shorter possible with PAYG.

My income varies hugely month to month. Will lenders accept?

Yes — annual income smooths monthly variation.

How much can I borrow on $80K gig income?

$80K net + 20% deposit: $520K-$650K typical.

Should I claim less expenses to boost borrowing?

Talk to your accountant — trade-off between tax and borrowing.

Home Loan Refinancing

Who this guide is for

Australian gig economy workers across multiple platforms wanting home loans that recognise actual annual income.

Multi-platform delivery drivers (Uber Eats, Doordash, Menulog)
Multi-platform freelancers (Airtasker, Fiverr, Upwork)
Combined gig + PAYG workers
South Asian gig workers needing language support

The local picture

Gig economy is the newest income type — many banks haven't caught up. Multi-platform earnings, irregular monthly income, ABN structure all create challenges. Major banks default to declining.

How Mortgagefy helps locally

Mortgagefy works with specialist lenders that consolidate gig income across platforms via BAS and tax returns. We help maximise borrowing on your real annual income.

Free advice.

How it works — 4 simple steps

Free gig worker chat

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

Compare specialist lenders

We identify lenders that handle gig economy income.

Application package

We consolidate platform statements, BAS, tax returns.

Settle your home

You move in with gig income recognised.

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 gig economy home loan assessment

Free 20-minute call about your real options.

Start Your Free Assessment Call 0432 634 648

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

Model your scenarios: Use our free home loan calculators to estimate borrowing capacity, repayments, and savings.

Home Loan for Gig Economy Workers: Multi-Platform Income Specialists