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Online Seller

Online Seller Home Loan Australia: Real Lending for eBay, Amazon, Shopify Sellers

Mortgagefy Broker Team · Published · Last reviewed

Selling on eBay, Amazon, Shopify or Etsy as your business? Platform-based income, irregular sales, dropshipping — Mortgagefy knows lenders who handle online seller income properly.

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Who this guide is for

Australian online sellers on ABN — eBay/Amazon/Shopify/Etsy resellers, dropshippers, online retailers — wanting home loans that recognise platform-based income.

  • Full-time eBay/Amazon power sellers with established stores
  • Shopify online retail business owners
  • Etsy sellers with handmade or craft business income
  • Dropshipping business operators with multi-platform income

The real challenge

Online seller income is one of the newest categories — and many major banks haven't caught up. Platform-based income, e-commerce inventory expenses, multi-platform consolidation all create challenges.

Specialist lenders treat online seller ABN income similarly to other small business income with 2+ years' BAS and tax returns.

How Mortgagefy helps

Mortgagefy works with lenders comfortable with online seller income. We help consolidate income across platforms, document inventory expenses appropriately, and identify lenders flexible with e-commerce structures.

Free advice.

How it works — 4 simple steps

1

Free online seller chat

20-minute call about your platforms, products, BAS history and target home.

2

Compare lender options

We identify lenders comfortable with online seller income.

3

Application package

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

4

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 an online seller home loan assessment

Free 20-minute call about your real options as an e-commerce business owner.

Start Your Free Assessment Call 0432 634 648

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Sydney mortgage broker — Specialist in self-employed and unconventional income loans

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