Introduction to SDA Financing

For individuals with disabilities, Specialist Disability Accommodation (SDA) financing offers a pathway to owning a fully accessible home. Whether you’re an NDIS participant looking to buy an SDA-compliant home or a family member investing in a loved one’s future, Crestmount Money provides tailored SDA home loan solutions to help you navigate the process with ease.

What is an SDA Home Loan?

An SDA home loan is a specialized financing solution designed for NDIS participants with approved SDA funding in their plan. This funding can be used to purchase, build, or renovate a home that meets NDIS SDA Design Standards, ensuring it is suitable for individuals with high support needs.

Steps to Buying or Building Your Own SDA Property

1. Determine Your SDA Funding Level

Before applying for an SDA home loan, it’s essential to understand your SDA funding level within your NDIS plan. This will determine the type of property you can afford and the financing options available.

Factors that influence your SDA funding include:

• The type of property (apartment, villa, townhouse, or house)
• The SDA design category (Improved Livability, Fully Accessible, High Physical Support, or Robust)
• Whether On-Site Overnight Assistance (OOA) is required
• Location-based SDA funding rates

2. Choose Between Buying, Building, or Renovating

There are different ways to secure an SDA home loan, depending on whether you want to:

• Buy an existing SDA property – Ensure the home is already NDIS-enrolled as an SDA dwelling.
• Build a new SDA-compliant home – Work with a builder who understands SDA Design Standards.
• Renovate an existing home – Meet minimum refurbishment costs to qualify for SDA payments.

3. Secure Financing for Your SDA Home

Crestmount Money offers specialized SDA home loans tailored to NDIS participants. Key factors to consider when financing your SDA home include:

• Loan-to-Value Ratio (LVR) – We finance up to 90% of the property’s market value, one of the highest available.
• Deposit Requirements – SDA properties often require a larger upfront deposit.
• Alternative Security – Family members can provide additional security through a mortgage on another property.

4. Crestmount Money’s Exclusive Shared Equity Assistance

At Crestmount Money, we understand that saving for a deposit can be challenging. That’s why we offer our exclusive Shared Equity Assistance program. Through this initiative, we co-purchase the SDA property alongside you, allowing you to secure your SDA home with little or no deposit.

You choose the housing type and location, and our team will handle the rest, ensuring a seamless experience.

Access to Shared Equity Assistance is subject to approval.

5. Enroll Your Home as an SDA Property

Before SDA payments can be claimed, the property must be NDIS-approved. This process includes:

• Engaging an SDA assessor to confirm that the home meets SDA Design Standards.
• Submitting the property for NDIS enrolment through the Provider Digital Access (PRODA) portal.

6. Claiming SDA Payments

Once your SDA property is enrolled, you can claim SDA payments through the NDIS provider portal. These payments help cover loan repayments and ongoing property costs, making homeownership more manageable.

Why Choose Crestmount Money for Your SDA Financing?

✅ Specialist in SDA Home Loans – Tailored financing solutions for NDIS participants.
✅ Leading Loan Options – Access to flexible financing with competitive terms.
✅ Exclusive Shared Equity Assistance – Helping you buy with little or no deposit.
✅ Hassle-Free Application Process – We guide you through every step.
✅ NDIS-Compliant Financing – Ensuring your home meets all NDIS SDA requirements.

Start Your SDA Home Loan Journey Today

Owning an SDA property is achievable with the right financial partner. Crestmount Money is here to help you navigate SDA financing and secure a Sharia-compliant, interest-free home loan that aligns with your needs.

📞 Call 1800 NO RIBA (667 422) or Apply Online Now!