SDA Home Loans and Investment Finance

SDA is housing for people who require specialist housing solutions, including to assist with the delivery of supports that cater for extreme functional impairment or very high support needs. SDA funds the home itself, not the support services delivered within it, and is included in the plans of only a small proportion of NDIS participants who meet specific eligibility criteria.

Ownership structures for participants and their families are possible. What's achievable depends on your plan, your income and support network, and the dwelling itself. Our brokers will walk you through the options and be clear about what won't work.

SDA payments are made under the NDIS pricing framework in respect of an enrolled dwelling that meets the SDA Rules, is operated by a registered provider, and is occupied by an eligible participant. Participants also make a Reasonable Rent Contribution alongside the SDA payment. Income depends on continued eligibility, enrolment and occupancy - it is not guaranteed.

All current SDA design categories - Improved Liveability, Fully Accessible, Robust and High Physical Support - subject to the dwelling being built and certified to the SDA Design Standard applicable to it.

Vacancy is the principal risk in SDA. That risk rests with the property owner. It is managed through the registered SDA provider the owner appoints, who is responsible for participant matching and tenancy support, and who lists vacancies through national platforms such as the Housing Hub. Vacancy arrangements vary by property and should be reviewed before you commit.

No - you're not required to buy a property from Equitifund's portfolio to talk to us. Keep in mind that the SDA Property Finance rates advertised on this page are only available when purchasing a property owned or developed by Equitifund, arranged through our private lending partner. We don't currently have a lending relationship in place to arrange finance for SDA properties sourced elsewhere - if that's your situation, get in touch and we'll be upfront with you about what we can and can't help with.

No. EquitiCredit is not a lender - we're a mortgage broker (Australian Credit Licence 559289). For SDA Property Finance, we arrange finance through one private lending partner, not a panel - that lender assesses and approves applications, and sets the applicable rates and terms, independently of EquitiCredit. This isn't a whole-of-market comparison; we'll disclose the details of this relationship to you directly before you proceed.

EquitiCredit operates under Australian Credit Licence 559289, which can be checked on ASIC's professional registers. EquitiCredit is a mortgage broker, not a lender, and is not itself an SDA provider - it does not manage tenancy, participant matching or vacancy for any property. SDA providers we work with are registered with the NDIS Quality and Safeguards Commission.

Eligibility is determined by the NDIA against the SDA Rules, which set out the extreme functional impairment and very high support needs tests and the SDA needs requirement. Your planner, support coordinator and occupational therapist lead that process - we can point you to the right people if you're not sure where to start.