How Much Can an Uber Driver Borrow on a Home Loan?

Q: On $90K Uber income, what can I borrow?

Net $65K-$75K → $420K-$520K with 20% deposit.

Q: How is Uber income calculated?

Net from BAS/tax — gross minus fuel/vehicle/expenses/depreciation.

Q: Do I need 2 years Uber history?

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

Q: Day job + Uber — does combined help?

Yes — combined often 30-50% higher than Uber alone.

Q: How much deposit will I need?

15-20% typical. 10% with LMI possible.

Who this guide is for

Sydney Uber and rideshare drivers wanting to know real borrowing capacity from lenders that actually accept rideshare income.

Full-time Uber drivers earning $80K+
Multi-platform drivers (Uber, DiDi, Ola)
Combined Uber + PAYG day job income
South Asian rideshare drivers needing language support

The local picture

Major banks default to declining Uber driver applications. Specialist lenders accept rideshare income but with specific documentation. Borrowing capacity depends on net income (after expenses), not gross.

How Mortgagefy helps locally

Mortgagefy specialises in rideshare income. We model your actual borrowing capacity based on BAS, expenses, and the right specialist lender.

Free advice.

How it works — 4 simple steps

Free Uber driver chat

20-minute call about your platforms, BAS, deposit.

Compare specialist lenders

We identify lenders accepting rideshare income.

Application package

We compile BAS, statements, supporting documents.

Settle your home

You move in via specialist Uber-friendly lender.

Frequently asked questions

On $90K Uber income, what can I borrow?

Net (after expenses) typically $65K-$75K. With 20% deposit: $420K-$520K borrowing. Combined with PAYG significantly increases.

How is Uber income calculated?

Specialist lenders use net income from BAS or tax return — gross Uber takings minus allowable expenses (fuel, vehicle, phone, depreciation).

Do I need 2 years Uber history?

Most specialist lenders want 12 months BAS or 1 year tax returns. Some accept shorter combined with PAYG income.

Day job + Uber — does combined help?

Yes significantly — PAYG counted at 100%, Uber as supplementary. Combined often 30-50% higher borrowing than Uber alone.

How much deposit will I need?

Specialist Uber-friendly lenders typically want 15-20% deposit. Some 10% with LMI for stronger applicants.

Get your real Uber driver borrowing capacity

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