Getting Finance for Your Own SDA Home
Your NDIS funding can help you buy a home. We connect you with the right lenders to make it happen.
If you want to buy or build your own home, getting a bank loan is often the biggest hurdle. You might have Specialist Disability Accommodation (SDA) funding approved in your NDIS plan, but when you go to a traditional bank, they might say no.
Why can it be hard to get a loan?
Most everyday banks simply do not understand the NDIS. They usually require a high personal income to approve a mortgage, and they do not know how to count your SDA payments as reliable income. This can leave you feeling stuck and frustrated.
How does Integrated Access help you get approved?
You don't have to explain the NDIS to a bank ever again. We know the exact lenders and specialised mortgage brokers who understand the disability housing sector.
We act as your central guide. We look at your SDA funding and connect you directly with our trusted financial partners. These select lenders know how to use your SDA income to service your loan, making homeownership possible even if your personal income is low.
Our 3-Step Finance Process
The Funding Review:
1
We look at your current NDIS plan to understand exactly what level of SDA funding you have (or are eligible for).
The Right Introduction:
2
We refer you to a specialised SDA mortgage broker who will match you with a bank that accepts NDIS funding as income.
Getting Pre-Approval:
3
Your broker helps you secure your loan pre-approval so you can confidently start looking for land, a builder, or an existing property.
FAQs
Can I really use SDA funding to pay a mortgage?Yes. While everyday banks might say no, specialised lenders recognise SDA payments from the government as a secure, long-term source of income to help pay off your loan.
Do you provide the loans directly?No. We are experts in NDIS property compliance and registration. To ensure you get the best financial advice, we refer you to fully licensed, independent mortgage brokers who specialise entirely in the NDIS space.
What if I don't have SDA funding in my plan yet?You will need SDA funding approved before a bank will give you a loan based on it. If you are unsure if you are eligible, we can help guide you through the SDA eligibility process first.
Ready to explore your finance options?
Let’s look at your plan and connect you with the right financial experts.