NDIS LOAN EXPERTS Your Experts for NDIS Property Investments and SDA Loans
The funding you need for an unrivalled ethical investment opportunity
Be Part of the Solution
A harsh reality of living with disability in Australia is that there are not anywhere near enough homes to suitably accommodate these Aussies. The Australian Government is committed to closing the gap when it comes to the supply of specialist disability accommodation (SDA), and through the National Disability Insurance Scheme (NDIS), they are offering investors a generous incentive to build the houses that people with disability desperately need. The funding provided by the Government means investors receive an above-market rental income — achieving yields of up to 16%!
Higher Leverage
LVR up to 80% (incl. of LMI) for NDIS established and construction loans
Higher Valuations
Specialised NDIS valuers, returning much higher bank valuations than traditional valuers
Higher Servicing Capacity
Use existing or prospective NDIS income from the property being purchased or built for servicing, which results in a massive boost in servicing capacity
An Investment that Benefits Others
Building an NDIS investment property may provide benefits to you and Australians with disability. The NDIS participants — otherwise known as your tenants — get to live in a comfortable home tailor-built to suit their needs, while you — the investor — get to enjoy Government-backed rental income.
What is the NDIS?
To support the millions of Australians living with disability, The Australian Government created the National Disability Insurance Scheme (NDIS). The scheme provides funding for various support services that improve the lives of Aussies with disability and allows them to live an ordinary life — funding the cost of specialist disability accommodation is one of the areas the NDIS supports.
Reduced Risk of Vacancy
Australian’s are forced to live in nursing homes due to the lack of SDA. This high demand means the chances of your NDIS investment property being left vacant are reduced.
Receive SDA Payments
The SDA payments provided through the NDIS means investors receive above-market rental income.
CPI Pegged Return
The rental income is pegged to the consumer price index, so your rental return will rise with inflation.
ROI 500% Higher
The generous Government incentive means your return on investment is around 500% higher than regular investment properties.
Ethical Investment
Invest according to your morals and ethics by avoiding socially irresponsible industries, and support fellow Aussies.
Too Good to be True?
Receiving higher than market returns while helping home people with disability might seem too good to be true. So what’s the catch? There are a few barriers that we, as NDIS Loan Experts, help you overcome when seeking finance for your NDIS investment property.
Some common barriers that we help you navigate include:
- Low LVR: If you do not have a 20% deposit, many lenders will be unable to help — but we might be able to. LVR's of up to 80% inclusive of Lenders Mortgage Insurance are available in some circumstances.
- Low property valuation: Lenders do not currently have a reliable method of valuing specialist disability homes. NDIS investment houses are specifically built with specialised features, so they cost more to build than a regular house. Lenders often undervalue these homes, which means your NDIS loan may cover 80% of the value appointed by the lender but not 80% of the actual cost — this can be overcome with a higher deposit.
- Underestimated rental income: Similar to the property valuation issues, lenders estimate the rental income based on market-value rent. They do not consider the Government incentive, so they deem the expected income to be lower than it actually would be.
We connect you with the right lender, assess your existing equity and help you increase your borrowing capacity so you can overcome these barriers to NDIS property investment.
NDIS Loan Experts Featured On
Anything is Possible
If you're looking for a socially responsible, ethical investment that is incentivised and backed by the Australian Government, get in touch to learn how we can help.
