Specialist disability housing with government-backed higher rent rates.

How much yield does NDIS SDA generate?

8-15% gross yield depending on SDA category.

How do tenant arrangements work in SDA?

NDIS participants as tenants. Government pays SDA component; tenant pays small contribution.

Are halal NDIS loans available?

Limited — possible through specialist Islamic commercial. We confirm.

Home Loan Refinancing

Who this guide is for

Investors purchasing or developing NDIS Specialist Disability Accommodation (SDA) properties — government-backed disability housing investment.

Investors targeting NDIS SDA government-backed yield
Property developers building SDA-compliant homes
Existing investors adding NDIS to their portfolio
Family members wanting to provide accommodation for disabled relatives

The local picture

NDIS SDA is a relatively new investment category. Most major banks don't understand it. Specialist lenders accept it but the documentation, build requirements, and tenant arrangements add complexity.

How Mortgagefy helps locally

Mortgagefy works with the few lenders that handle NDIS SDA finance. We coordinate property certification, tenant arrangements, and finance structure.

Free advice.

How it works — 4 simple steps

Free NDIS chat

20-minute call about the NDIS property and your investment goals.

Compare NDIS lenders

We identify lenders accepting SDA property finance.

Application support

We coordinate certification, tenant arrangements, and finance documentation.

Settle the SDA property

You acquire NDIS-compliant property.

Frequently asked questions

We use offer letters and vesting schedules to value RSUs conservatively. We present current vesting value + projected future vesting as a 3-5 year income average. This gives lenders confidence in your income stability while accounting for market volatility.

Both. We work with W2 employees, 1099 contractors, and consultants. For contractors, we use 2 years of tax returns plus business financials. We have lenders who specialise in contractor income—they understand the variability.

Unvested options have zero value for refinancing. We count only vested equity. If you have a 4-year vest, we use 25% of the grant value (what's vested) plus a conservative projection of future vesting.

If you've been in your new role 6+ months, most lenders will refinance. We'll use your offer letter plus 6 months of pay stubs. If less than 6 months, it's harder but possible with specialist lenders.

Yes, if you have 2+ years of bonus history. We average the past 2 years and present it conservatively. Some bonuses get counted at 50% to be conservative with variable compensation.

ESPP is counted as deferred compensation. If your company matches or you have a discount, we value it as part of total compensation package.

Talk to us about NDIS SDA property finance

Free 20-minute call about your NDIS investment.

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Home Loan for NDIS SDA Property in Australia: Specialist Disability Housing Investment