Speak to a Broker Now — 0432 634 648 · Mon–Sat 9am–7pm

Online Seller

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

Q: I sell on eBay AND Amazon AND Shopify. How is income consolidated?

All platform income consolidated through BAS/tax returns. Total annual matters.

Q: My inventory costs are huge. Will lenders count me as profitable?

Lenders look at net after COGS and operational expenses. Margins matter.

Q: I dropship — never hold inventory. Does that affect anything?

Dropshipping treated as e-commerce. Net margin (after supplier costs) counts.

Q: How much can I borrow as an online seller on $100K net?

On $100K net + 20% deposit: typically $670K–$830K.

Q: My income varies hugely month to month. Will lenders accept that?

Yes — annual income from BAS/tax returns smooths monthly variation.

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

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.

Start Your Free Assessment 0432 634 648

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

Free online seller chat

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

Compare lender options

We identify lenders comfortable with online seller 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

I sell on eBay AND Amazon AND Shopify. How is income consolidated?

All platform income flows through your BAS and tax returns. Lenders look at total annual business income, not per-platform breakdown.

My inventory costs are huge. Will lenders count me as profitable?

Lenders look at net income after Cost of Goods Sold (inventory) and operational expenses. Strong gross sales with reasonable margins matter for assessment.

I dropship — never hold inventory. Does that affect anything?

Dropshipping is treated as e-commerce business income. Net margin (after supplier costs) is what counts for borrowing, not gross revenue.

How much can I borrow as an online seller on $100K net?

For an online seller on $100K net with 20% deposit, $670K–$830K borrowing is commonly achievable.

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

Yes — annual BAS and tax returns smooth monthly variation. Lenders care about annual consistency over months.

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

Get your personalised answer in 2 minutes

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