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SDA Shared Equity Pathway
A more accessible way to own your SDA home
You hold 100% of the title
5-year path to full ownership
Equitifund’s SDA Shared Equity Pathway helps eligible NDIS participants buy a Specialist Disability Accommodation (SDA) home with the support of an Equity Participant. You hold 100% of the legal title, contribute less upfront, and buy out the Equity Participant’s share within 5 years.
*Available on selected SDA properties in the Equitifund portfolio. Participation is subject to eligibility, property availability, finance approval and the terms of the SDA Shared Equity Agreement.
Talk to us about the SDA Shared Equity Pathway
Shared equity, not a loan
You hold 100% of the legal title
No interest, no regular repayments
Managed by SDA Residential
How it works
Five steps from purchase to full ownership
The SDA Shared Equity Pathway pairs you with an Equity Participant who helps fund the purchase. You own the home from day one, then buy out their share over time.
01
Choose a property
Pick an eligible SDA home from the Equitifund portfolio. Our team will confirm it is available for the pathway.
02
Equity Partner contributes an equity share
The Equity Participant contributes an agreed share of the purchase price. It is applied as an adjustment at settlement, so no cash changes hands.
03
You own the home
You take 100% of the legal title. The Equity Participant’s interest is secured behind your home loan, and your lender ranks first.
04
Live in it as a Owner Occupier
You can live there and home must be managed by SDA Residential.
05
Buy out within 5 years
Buy out all or part of the Equity Participant’s share whenever you are ready. You must buy it out in full within 5 years of settlement.
Why this pathway
What the pathway means for you
A lower upfront cost
The Equity Participant funds part of the purchase, so you need a smaller deposit and home loan than if you bought 100% on your own.
You keep most of the growth
The Equity Participant only takes half of its percentage of any increase in value. The rest of the growth is yours.
Shared downside risk
If the property value falls, the Equity Participant’s share is worked out on the lower value, so you don’t carry the loss alone.
A simple example
How the numbers work
Say you buy an SDA home for $900,000 and the Equity Participant takes a 15% share.
1. When you buy. The Equity Participant contributes $135,000 (15%) at settlement. You fund the other $765,000 (85%) through your deposit and home loan, plus the usual purchase costs.
2. When the value grows. A few years later, an independent valuer puts the home at $990,000. That is $90,000 of growth.
3. How the growth is shared. The Equity Participant takes half of its 15% share, so 7.5% of the growth ($6,750). You keep the other 92.5% ($83,250).
4. When you buy out. You pay back the original $135,000 plus the Equity Participant’s $6,750 share of the growth. Your buy-out amount is $141,750.
Illustrative example only. Your figures depend on the purchase price, the agreed Equity Participant share and the independent valuation at buy-out.
1 · When you buy
Purchase price
$900,000
Equity Participant contributes (15%)
$135,000
You fund (85%)
$765,000
2 · When the value grows
Independent valuation at buy-out
$990,000
Growth in value
+$90,000
3 · How the growth is shared
You keep (92.5%)
$83,250
Equity Participant (7.5%)
$6,750
Your buy-out amount: $135,000 + $6,750
$141,750
Eligibility
Is the pathway right for you?
Who is it for?
You may be eligible if you:
- Are an NDIS participant with SDA funding, or will be eligible once you move in
- Are aged 18 or over and an Australian citizen or permanent resident
- Can get a home loan with an approved lender
- Agree to SDA Residential managing the property
Important to know
Before you apply, keep in mind:
- This is shared equity, not a loan. No interest is charged and there are no regular repayments to the Equity Participant.
- You pay the usual ownership costs, such as your home loan, strata, rates, utilities, insurance and maintenance.
- You must buy out the Equity Participant in full within 5 years of settlement.
- You must get independent legal and financial advice before signing the agreement.
SDA funding decisions are made by the NDIA, not Equitifund.
Eligible properties
Selected SDA homes Australia-wide
The SDA Shared Equity Pathway is available on selected SDA homes in the Equitifund portfolio. Availability changes as homes are matched to participants, so speak to our team for the current list.
SDA Apartments In Schofields
Purpose-built High Physical Support apartments with OOA provision, close to transport and allied health services.
SDA Apartments In Melbourne
Apartment-format SDA in an established growth corridor, delivered with an onsite overnight assistance room.
SDA House In Perth
Robust design category house with resilient fit-out and line-of-sight layout, already matched to a participant.
Faq
Frequently asked Questions
General information only. Your circumstances, the specific property and the terms of the SDA Shared Equity Agreement all affect the answer. Please speak to our team.
It is a way for eligible NDIS participants to buy an SDA home with an Equity Participant. The Equity Participant contributes an agreed share of the purchase price, which lowers the amount you need to fund. You own the home, and you buy out the Equity Participant’s share within 5 years of settlement.
No. It is shared equity, not a loan. No money is lent, no interest is charged, and you make no regular repayments to the Equity Participant. It is paid out of the property’s value when you buy out its share or sell.
[FACT CHECK REQUIRED: confirm whether the $400 + GST annual Administration Fee in the EquitiShare deed applies to the SDA Pathway. If it does, disclose it here.]
You do. You hold 100% of the legal title. The Equity Participant is not on the title. Its interest is secured behind your home loan, so your lender ranks first. You can only refinance with a lender the Equity Participant approves in writing.
An independent valuer sets the property’s value at the time of buy-out. You pay the Equity Participant its original percentage of the purchase price, plus half of its percentage of any growth. See the worked example above for how this plays out on a $900,000 home.
We share the downside. If the value falls, the Equity Participant’s share is worked out on the lower value at its straight percentage. On a sale, your home loan is always repaid first.
Yes, but only with a lender the Equity Participant approves in writing. You also can’t increase the amount secured on the property without its written consent.
As the owner, you pay the usual home ownership costs. These include your home loan, strata, council rates, utilities, insurance and maintenance.
Yes. You must get independent legal and financial advice before you enter the SDA Shared Equity Agreement.
Get in touch
Let’s talk about your path to ownership
Tell us a little about your situation. Our team will talk you through eligibility, available properties and the next steps.
Talk to us about the SDA Shared Equity Pathway
Tell us a little about you and a member of our team will contact you.
This page provides general information only and is not legal or financial advice. Participation is subject to eligibility, property availability, finance approval and the terms of the SDA Shared Equity Agreement. You should obtain independent legal and financial advice before making a decision.
Prefer to talk it through?
Speak with one of our SDA specialists about eligibility, available homes and how the SDA Shared Equity Pathway works for you.
Ashish Sodhi
SDA & Investment Sales Specialist
0414 296 075
a.sodhi@
Dexter Kang
SDA & Investment Sales Specialist
0434 706 321
d.kang@
Equitifund believes in creating access, stability, and opportunity in housing.
Speak to our team about the SDA Shared Equity Pathway, or explore SDA homes in the Equitifund portfolio.