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NDIS Lending

SMSF lending is a specialised area where a Self‑Managed Super Fund borrows to invest, usually into a single investment property under strict ATO rules. 

What Is NDIS Lending?

Investing in NDIS property is very different from buying a standard residential investment – the rewards can be higher, but so can the complexity. NDIS lending focuses on funding Specialist Disability Accommodation (SDA) and other NDIS‑linked properties, where leases, design standards and government payments all influence how lenders assess the deal. Mortgage Companion helps you navigate these extra layers so your finance structure supports both your investment goals and the needs of NDIS participants.

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What is NDIS property investment?

NDIS property typically refers to homes built or modified to SDA standards, designed to give people living with disability more choice, independence and comfort. These properties are usually leased to NDIS participants via registered providers, often on longer‑term agreements than a standard residential tenancy. Because rent is supported by a mix of personal contributions and government funding, lenders look closely at the design category, location, provider arrangements and expected occupancy before approving a loan.

Who NDIS lending is suited to

NDIS lending is generally suited to investors who:

  • Are comfortable with a more specialised asset and understand it is not a standard suburban investment.

  • Are working with reputable builders and NDIS/SDA providers and have sought professional tax and legal advice.

  • Want to align their investment strategy with positive social impact while still targeting competitive returns.

If you are new to NDIS property, it’s especially important to slow down, ask questions and build a strong team around you.

Types of NDIS Lending We Offer

Beyond standard home loans, we help clients at every stage of property ownership. 

Standard NDIS Investment Loan

A regular investment property loan used to buy an SDA/NDIS property, assessed much like a normal investment loan but with extra attention to design standards, rental income and lease terms. It suits investors with strong income and a solid deposit who want a familiar loan structure for an NDIS asset.

Specialist NDIS / SDA Loan

A loan specifically designed for NDIS property, offered by specialist lenders who understand SDA design categories, enrolment and provider agreements. These loans often allow for different valuation methods, higher construction costs and rental reliance, and may use projected NDIS income more generously in serviceability.

NDIS Construction Loan

Finance to buy land and build a new SDA‑compliant dwelling, released in stages as construction progresses. It typically requires detailed building contracts, SDA design documentation and evidence the finished property will meet NDIS registration and provider requirements.

NDIS Refinance and Equity Release Loan

A loan used to refinance an existing NDIS investment to a sharper rate, better features or a more suitable lender, sometimes also releasing equity for further investment. It relies on the established rent history, current SDA enrolment and updated valuation of the property.

NDIS Participant / Family Home Loan

A tailored loan structure for NDIS participants or their families to buy or build a suitable home that can be modified or certified to SDA standards. It focuses on long‑term affordability, the participant’s funding plan, and how modifications or SDA enrolment will support both liveability and loan sustainability.

Why Australians Choose Mortgage Companion

Tailored Advice

We don’t believe in one‑size‑fits‑all lending. Your goals, lifestyle, and financial situation shape our recommendations.

Access to multiple lenders

We compare loans from major banks and specialist lenders to find options that suit your situation, not just one brand.

Local & national knowledge

We understand the Australian lending landscape and how policies vary between lenders.

Support from start to finish

You deal with a real broker who stays involved until the loan settles and beyond.

Proven Client Satisfaction

100% recommendation rate from reviews, with clients highlighting our dedication and outstanding results.

Long-term guidance

We check in over time to make sure your loan still suits your needs as rates and circumstances change.

Now It's Your Turn

Ready to explore your NDIS finance options?

Book a chat with Mortgage Companion to review your NDIS property goals, budget, SDA design plans and provider setup, and receive clear, no-pressure guidance on the NDIS lending options that could suit you best.

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Frequently Asked Questions

Answers to common questions about our services, how we work, and what to expect at each stage.

No, NDIS property investment requires working with registered SDA providers, meeting strict design standards and having a solid financial plan. Lenders also assess rental reliability and construction risks carefully.

Yes, NDIS loans typically carry higher interest rates and fees due to the specialised nature of the asset, longer vacancy risks and complex documentation requirements.

You’ll need SDA design certification, provider/head lease agreements, construction contracts (if building), financials showing serviceability, and evidence of NDIS funding stability for the property.

Yes, but lenders apply conservative assumptions about occupancy, rental growth and funding changes. They usually want a buffer above minimum NDIS payments to ensure loan sustainability.

Longer than standard loans – typically 4-8 weeks due to specialist lender assessment, SDA compliance verification, and coordination between builders, providers and valuers. Early preparation makes a big difference.

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