Trusted & Awarded
Low Interest Rate & Flexible SMSF Loans
Access Ultra-competitive SMSF loan rates with unrivalled property flexibility.
Approval for more property types including high rises, hobby farms, and agricultural operations
Residential or commercial property loans
Higher purchasing capacity and lower rates, fees and charges than other brokers.
Expert attention to the complex paperwork required for self managed super funds
NDIS LOAN EXPERTS
Visit ndisloanexperts.com.au for more information on how we can help with NDIS Loans
YOUR EXPERTS FOR NDIS PROPERTY INVESTMENTS AND SDA LOANS
What is the NDIS?
The National Disability Insurance Scheme (NDIS) is a government initiative formed in 2013 to fund costs associated with disability in Australia. This federal government funding helps to improve the quality of life for participants with disability, their families and carers. One of the most meaningful ways the NDIS supports the lives of those affected by disability is through providing specialist accommodation via funding.
How does the NDIS fund accommodation?
Specialist Disability Accommodation (SDA) was established in 2016 after a shortfall of suitable accommodation for those with disabilities was uncovered. Its purpose is to provide funding under the national disability insurance scheme for custom homes specifically built to meet the needs of Australians with disability.
Many people with disabilities are living in aged care facilities simply due to the lack of appropriate housing. Specialist disability accommodation funding aims to bridge the gap for specialist houses — turning a specialised residential dwelling into a long term home for a person with disability.
The Government has sought to remedy the high demand and low supply for specialist disability accommodation by providing incentives to you, the investor!
There are currently tens of thousands of people with disability within our community eagerly awaiting appropriate accommodation to become available. You have the opportunity to supply not only a property fit for their needs but also enjoy the fantastic investment benefits available through NDIS property investment.
What are the benefits of NDIS investing?
Through NDIS property investment, the Government is committed to providing a solution to the undersupply of specialist accommodation for Australians with disability. This generous funding allows Australians approved for the NDIS property to become your tenants — bringing with them a wealth of benefits for your NDIS investment
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The drastic undersupply of housing means you’ll never need to worry about your house sitting vacant. There are currently three levels of participants in the SDA program
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Having qualified participants as your tenants in your NDIS investment property comes with a multitude of additional benefits over having tenants who the Australian government doesn’t fund.
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Investing in Special Disability Accommodation Property means you get risk-mitigated NDIS properties that are government-backed.
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The NDIS property investment will let you receive above-market rates, realising incredibly high yields of up to 16%.
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Your rental income is pegged alongside CPI, so your income stream from your NDIS housing investment will rise with inflation.
Are there any challenges with NDIS Investment?
True to any form of investment, there are some aspects of NDIS property investment to remain cautious of. Bear in mind, the advantages of this incredible NDIS housing investment opportunity can far surpass the challenges.
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Limited market
The number of lenders willing to provide finance for NDIS property is low.
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Lower loan to value ratio (LVR)
It is not possible to get lenders' mortgage insurance on an SDA property. As a result, lenders will only offer up to 80% of the value of the property.
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Lower property valuation
The NDIS investment properties, as custom-made homes, are often valued lower than the contract price simply because there are no comparable sales in the area. The LVR is based on the value of the home, not the cost, which means that the mortgage may cover a lot less than 80% of the cost.
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Incorrect assessment of rental income
When determining your capacity to repay the loan, the lender uses the market-value rent, which is a lot lower than the actual amount received. The cash flow you receive from your NDIS investment property will be much higher than the market rate, but at this stage, the lenders don’t have a method of assessing this factor.
Your mortgage application could be rejected purely because lenders haven’t updated their lending criteria to consider the NDIS investing initiative.
The amount you can borrow is less than for a traditional home, the property valuation is less than the actual price, and the assessment of rental income is less than what you would actually receive.
For these reasons, any applicants must have a lot of equity in other NDIS properties or a substantial deposit to cover these valuation issues.
The benefits for investors and people with disability are low-risk and unrivalled. If you have the assets behind you to overcome these lending barriers, investing in NDIS property could be the investment opportunity of a lifetime.
NDIS LOAN EXPERTS
Visit ndisloanexperts.com.au for more information on how we can help with NDIS Loans
YOUR EXPERTS FOR NDIS PROPERTY INVESTMENTS AND SDA LOANS
How Our Super Fund Loan Process
Works
Our streamlined process ensures you get the best SMSF loan with minimal hassle.
Here’s how it works:
How Our Super Fund Loan Process
Works
Our streamlined process ensures you get the best SMSF loan with minimal hassle.
Here’s how it works:
Assess and Plan
We assess your situation and explore
lending options to plan your investment
strategy.
Apply and Negotiate
We manage the loan application and
negotiate with lenders to get you the best
terms and rates.
Fund and Implement
Once approved, we ensure quick
disbursement and assist with your
investment strategy, providing ongoing
support as needed.
Our Services
Whether you're looking to refinance an existing SMSF loan or need finance to buy a property investment in super, our experienced team of self-managed superannuation fund service providers can help you find the right SMSF loan.
Residential SMSF Property Loans
As a self managed super fund SMSF trustee, borrowing to purchase an investment property could be the financial kick-start you’ve been searching for. We can help you access the best finance solutions to purchase your investment. Our strategies help to maximise the growth of your SMSF residential investment property.
SMSF Loan Refinance
If your residential or commercial property loan is more than 2 years old, you could be missing out on more competitive products recently released to the market. We compare products and strategies with your finance needs, to match you with the most cost-effective loan for your circumstances.
SMSF Setup
Ensure your self managed super fund is set up correctly and compliantly. We help with the set up of your fund, all the way through to the settlement of your property - we can even organise to have your loan pre-approved before your super fund has been established.
Commercial SMSF Property Loans
Looking for a loan to purchase a commercial investment property inside of super? With access to a number of commercial loan products, we can build a tailored investment strategy for your self managed super fund commercial property investment.
SMSF Lending Strategy
Our goal is to find the right Self Managed Super Fund lending strategy for you. Investing in property within your SMSF can be complicated - Our experts help simplify the whole process.
Bad Credit SMSF Loans
Having a bad credit score doesn’t have to mean you miss out on borrowing to invest or get stuck with high interest rates. At SMSF Loan Experts, we offer lending solutions especially geared for clients with a less than perfect credit history.
Low Interest Rate & Flexible SMSF Loans
Access Ultra-competitive SMSF loan rates with unrivalled property flexibility.
Frequently Asked Questions About
SMSF Loans
Common Questions Answered
Yes, SMSFs can borrow money for property, managed funds, or shares using a
Limited
Recourse Borrowing Arrangement (LRBA)
. This process is heavily regulated, so
getting expert advice is recommended. Contact us for more details.
Navigating through property investments within an SMSF involves various
considerations such as property values, regulatory changes, interest rates, tenant
occupancy, and financial liquidity. Working closely with experienced experts can help
manage these factors effectively and ensure the stability and growth of your
investment portfolio.
ENQUIRE NOW
NDIS LOAN EXPERTS
Visit ndisloanexperts.com.au for more information on how we can help with NDIS Loans
YOUR EXPERTS FOR NDIS PROPERTY INVESTMENTS AND SDA LOANS
Free SMSF Finance Session
Contact us today, or schedule a phone meeting with an SMSF Loan Expert to make sure you get the right SMSF Lending advice 1300 781 680
Melbourne Office
Suite 2, 54 Davis Avenue
South Yarra VICTORIA 314
1300 781 680