NDIS Property Loan

Secure flexible financing to buy, refinance or build your NDIS investment property.

Introduction to NDIS Property Investment

The National Disability Insurance Scheme (NDIS) has opened new opportunities for property investors looking to make a positive impact while securing strong returns. Investing in NDIS-approved housing supports individuals with disabilities by providing specialist accommodation tailored to their needs. With strong government support, attractive rental yields, and long-term tenancies, NDIS property investment is increasingly popular among Australian investors seeking a stable and socially responsible investment option.

NDIS housing investment involves purchasing Specialist Disability Accommodation (SDA) properties that meet strict government standards. These homes are designed to provide safe and accessible living conditions for NDIS participants who require specialised housing. Investors can lease these properties to registered SDA providers, who manage tenants and rental income.

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What our NDIS Property Loans offer

Yard offers tailored financing solutions to help investors secure an NDIS investment property with fully featured NDIS loans.

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Borrower type

Salaried employees
Self-employed
Company or Trust

Acceptable property

SDA properties
Co-living properties

Interest rate type

Variable
Fixed (1-5 years)
Split

Loan size

$150,000 min
$3,000,000 max

Loan term

2-30 years
‍

Repayment types

Principal & interest
Interest only (1-5 years)

Why choose Yard for an NDIS Property Loan

Low rates and fees

Market leading Principal & Interest and Interest Only rates for investors.

Dedicated expert support

We are mortgage lending specialists - we'll get to know you and find a solution for your situation.

Fully featured loans

Our loans have all the bells and whistles - online access with redraw, additional repayments, split accounts and 100% offset functionality.

Flexible income verification

We have alternative income verification options for self-employed applicants through accountant declaration, BAS or bank statements.

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How to apply for an NDIS Property Loan

Start your application

Apply online with our easy online loan application or book a call with us. A dedicated Loan Consultant will give you a call to discuss your investment loan requirements and help find the best solution for you.

Provide your supporting documentation

We verify your information by receiving some supporting documentation, e.g. payslips, tax returns, bank statements. We also perform a valuation on your property.

We assess your application

Our credit team reviews your information and makes an assessment on your application.

Your loan documents and settlement

Our solicitors send you the loan contract via email. When it is time for settlement, our solicitors will work with your solicitor (for a purchase) or current lender (for a refinance) to settle your NDIS loan!

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The important questions answered

What is the NDIS, and how does it relate to property investment?

The National Disability Insurance Scheme (NDIS) is a government initiative that provides funding to support Australians with disabilities. Investors can purchase Specialist Disability Accommodation (SDA) properties, which are leased to eligible NDIS participants. These properties generate rental income backed by government funding.

What are the eligibility criteria for obtaining an NDIS investment loan?

To qualify for an NDIS property loan, investors typically need:

A good credit history and stable financial position.
A deposit (usually 20% of the property value but Yard also has options with 10% deposit).
The property to be SDA-compliant and meet government standards.
A rental agreement with an NDIS-approved provider.

How do the returns on NDIS property investments compare to traditional real estate investments?

NDIS property investments often offer higher rental yields than traditional rental properties due to government incentives. Returns can range between 8-12% per annum, significantly above the average residential property yield. However, these returns depend on property location, compliance, and demand for SDA housing in the area.

What are the risks involved in investing in NDIS properties?

While NDIS investments can provide strong returns, they come with certain risks:

Compliance costs to meet SDA standards.
Limited market for resale compared to traditional properties.
Potential vacancy periods if an NDIS participant is not placed immediately.
Dependence on government funding policies.

How can I ensure my NDIS property is compliant with government standards?

To ensure compliance:

Work with an accredited SDA provider.
Follow government guidelines for SDA housing design.
Conduct regular inspections and updates to meet ongoing requirements.
Consult an expert in NDIS property investments to navigate regulatory processes.

Where can I find out more information about NDIS Property investment?

For detailed information on NDIS property investment, government regulations, and SDA requirements, visit the official NDIS website: NDIS Specialist Disability Accommodation. This resource provides insights into eligibility criteria, compliance requirements, property design standards, and the role of registered providers. It also includes guidance for investors looking to enter the NDIS housing market and ensure their properties meet the necessary government standards.