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Use Your SDA Funding from NDIS to Own Your Own Home.
SDA Home Loans for NDIS + SDA Participants in Australia
Accessing home ownership through an SDA home loan is a game changer for NDIS + SDA participants. As a result, Crestmount Money, provides tailored Specialist Disability Accommodation (SDA) home loan solutions for eligible Australians with disability support needs. Whether you’re a NDIS participant looking to buy an SDA compliant home or a family member investing in a loved one’s future, we’re here to help.
Most importantly, our SDA home loans provide financial flexibility with:
- tailored lending of up to 90% LVR,
- exclusive access to our Shared Equity Assistance program, and
- a dedicated management platform for SDA properties.
What is an SDA Home Loan?
A home loan designed for NDIS participants with approved SDA funding.
An SDA home loan is a specialised financial product for individuals who receive Specialist Disability Accommodation funding as part of their NDIS plan. These loans are used to purchase, build, or significantly renovate homes that meet the SDA Design Standards. The goal is to provide safe, accessible, and supportive housing for people with high physical support needs.
How Do You Start the SDA Home Loan Process?
By reviewing your SDA funding level and exploring your options.
Firstly, it’s essential to understand the SDA funding included in your NDIS plan. This funding determines the property type and level of financial support available. Secondly, it is important to understand the key elements that influence your funding, which include:
- SDA design category (Improved Livability, Fully Accessible, Robust, or High Physical Support),
- Property type (apartment, townhouse, house, or villa),
- On-Site Overnight Assistance (OOA) requirements, and
- Location-based funding rates under NDIS.
Can I Buy, Build, or Renovate a Property with a SDA Home Loan?
Yes, you can choose from multiple property pathways.
Crestmount Money supports three SDA property strategies, each tailored to your unique goals and eligibility:
- Buy an SDA compliant home: Purchase an existing property that has already been enrolled with the NDIS.
- Build a new SDA property: Work with an experienced SDA builder to construct a home that meets current NDIS Design Standards.
- Renovate to qualify: Modify an existing home to meet SDA compliance and qualify for NDIS housing payments.
What Are the Financing Options for SDA Home Loans?
What Are the Financing Options for SDA Home Loans?
Most importantly, our SDA home loan options are tailored for Australians with disability related housing needs. Key features include:
- Loan to Value Ratio (LVR) up to 90%, reducing the need for a large deposit,
- Alternative security using a guarantor or family member’s property to secure financing, and
- NDIS compliant lending structures that align with both housing goals and funding requirements.
What Is Shared Equity Assistance and How Does It Help?
A unique co-ownership option that reduces your upfront costs.
Shared Equity Assistance is a program for eligible SDA borrowers, that is exclusive to Crestmount Money. This program enables you to co-purchase a new SDA apartment with us, minimising or eliminating the need for a deposit. You choose the property and location, and we manage the process alongside you.
Eligibility for shared equity is subject to approval criteria.
How Do I Enrol a Property With the NDIS?
By completing assessment and registration through the NDIS portal.
To receive SDA payments, your home must be officially enrolled with the NDIS. This involves:
- SDA assessment by a qualified certifier to ensure the property meets SDA Design Standards,
- Compliance documentation including certification and property use approval, and
- Registration via the NDIS Provider Digital Access (PRODA) portal.
Can SDA Payments Be Used to Cover Loan Costs?
Yes, SDA payments help support loan repayments and property costs.
Following approval and enrolment of your property, SDA payments can be claimed through the NDIS provider portal. Therefore, these payments can assist in covering:
- Home loan repayments, and
- Ongoing maintenance and property related expenses,
✅ SDA Home Loan Summary
In summary, Crestmount Money provides:
- Loans tailored for NDIS participants,
- Buy, build, or renovate SDA compliant homes, and
- Finance up to 90% of property value.
Ready to Apply for SDA Home Finance?
Crestmount Money is here to guide every step of your SDA journey.
In short, we specialise in supporting NDIS participants across Australia to own safe and fully accessible housing. Whether you’re planning to build, buy, or renovate a Specialist Disability Accommodation property, our expert team provides personalised guidance, including:
- ✅ SDA funding review and planning,
- ✅ Flexible SDA loan structuring up to 90% LVR,
- ✅ Exclusive Shared Equity Assistance, and
- ✅ NDIS property management platform.
Let us help you make home ownership a reality through SDA finance in Australia.
Start Your Specialist Disability Accommodation Home Loan Journey Today
Owning your own Specilist Disability Accommodation property is achievable with the right financial partner. Crestmount Money can help you make home ownership a reality through SDA finance in Australia.