NDIS & Co-Living

SAT Home Loan is a trusted partner for clients looking to purchase specialised properties, including NDIS and co-living investments. Financing these types of properties presents unique opportunities and challenges, particularly when it comes to understanding the diverse loan options available. Our team of experienced Finance & Mortgage Brokers is committed to helping you access lending solutions from a wide network of banks and lenders across Australia. Whether you're stepping into the market for the first time or adding to your investment portfolio, we’ll guide you to a financial solution tailored to your goals.

Purchasing NDIS (National Disability Insurance Scheme) properties requires a clear understanding of compliance requirements and the specialised nature of the property. These high-yield investments come with specific design and tenant standards, which can affect lender policies and eligibility criteria. At SAT Home Loan, we provide expert guidance on which lenders are open to financing NDIS housing, assist with documentation, and advise on how to present your application for the best chance of approval. Our brokers understand the intricacies involved in assessing income from NDIS tenancies, including factoring in vacancy rates and government-backed lease arrangements, ensuring your loan application is backed by a strong financial case.

Co-living properties, often appealing to investors seeking higher rental yields and growing demand in urban areas, require a different approach. These properties are typically designed for multiple, unrelated tenants sharing communal spaces, which can influence how lenders assess risk and serviceability. Our brokers stay informed on which banks and lenders are more favourable toward co-living developments and provide strategic advice on how to structure your loan to reflect the income potential of these properties. We also help you evaluate long-term market trends and regulatory considerations to support a sound investment decision.

Financing any specialised property involves more than just comparing interest rates. We help you understand critical concepts like loan-to-value ratio (LVR), which directly impacts your need for Lenders Mortgage Insurance (LMI) and influences your upfront and ongoing costs. Our team works closely with you to accurately calculate loan repayments and uncover any available rate discounts based on your credit history and financial profile. We also guide you through the impact of interest rate choices—fixed versus variable—and how they align with your investment strategy.

At SAT Home Loan, our streamlined application process ensures that applying for a loan is as efficient and stress-free as possible. We assist in gathering and organising key documents such as bank statements, income verification, and property details. Throughout each step, we remain focused on clear communication and practical solutions, ensuring you’re equipped with the knowledge to make informed decisions.

Our brokers also consider the long-term growth potential of the specialised property sector. Whether it’s the increasing demand for inclusive housing through the NDIS or the lifestyle shifts driving growth in co-living arrangements, we provide insights that help you identify the right investment opportunity at the right time. By tailoring loan solutions to your specific financial objectives, we position you for success in this dynamic market.

As you explore the opportunities in specialised property investing, SAT Home Loan is here to support your journey. From sourcing competitive rates to structuring your application, we offer personalised, end-to-end service backed by industry expertise. Whether you're entering the market or managing a growing portfolio, you can count on our team to provide honest advice, reliable support, and access to flexible loan solutions across Australia.

Get in touch with SAT Home Loan today to discover how we can help you finance NDIS and co-living properties with confidence. Our Finance & Mortgage Brokers are ready to assist you with tailored strategies that make your property investment journey simpler, smarter, and more rewarding.

1. Initial Consultation with Your Finance & Mortgage Broker
Your pathway to securing a tailored lending solution begins with a structured consultation. Whether you're purchasing a home, acquiring an investment property, or financing commercial real estate, your SAT Home Loan finance and mortgage broker will assess your goals, explain the lending process, and review your current financial position. This initial stage ensures alignment between your property ambitions and the most suitable home loan or investment loan products available through leading banks and lenders across Australia.

2. Comprehensive Financial Assessment
Your dedicated lending specialist will conduct a detailed review of your income, liabilities, assets, expenses, credit history, and available equity. This financial assessment is critical for determining your borrowing capacity and identifying the most appropriate loan structure. Throughout this step, we help you understand essential lending terms such as Loan-to-Value Ratio (LVR), Lenders Mortgage Insurance (LMI), and available interest rate discounts, ensuring full transparency.

3. Comparison of Loan Options
With a clear picture of your financial situation, your SAT Home Loan finance and mortgage broker will compare a broad range of lending products, including home loans, investment loans, SMSF loans and construction loans, from Australia’s major banks and non-bank lenders. We evaluate options based on interest rates, fees, features, loan terms, and repayment flexibility. You will be guided through the distinctions between fixed-rate and variable-rate loans, helping you make informed decisions aligned with your long-term financial strategy.

4. Application Preparation and Submission
Once a suitable loan product is selected, your mortgage broker will manage the full application process. This includes gathering required documentation such as ID verification, payslips, tax returns, and bank statements. SAT Home Loan coordinates directly with the lender on your behalf, ensuring timely updates, addressing queries, and managing correspondence, streamlining your experience from start to finish.

5. Loan Approval and Documentation Review
Upon receiving conditional or formal loan approval, your broker will guide you through the next critical steps. This includes reviewing and explaining the loan contract, confirming settlement timelines, and advising on applicable insurances. Your broker will also help you establish a suitable repayment strategy to support long-term financial management and peace of mind.

6. Property Settlement and Ownership Transfer
Settlement is the final stage where funds are disbursed, and ownership of the property is legally transferred. For property purchases, we recommend engaging a solicitor or licensed conveyancer to oversee the legal documentation and ensure accuracy. Once complete, your lender will grant access to your new mortgage account, and you will begin managing your loan repayments in line with your financial goals.

7. Ongoing Broker Support and Lending Guidance
At SAT Home Loan, our commitment to you continues well beyond settlement. We provide ongoing support with loan reviews, refinancing opportunities, and equity access for future investments, including SMSF lending and portfolio expansion strategies. Your SAT Home Loan finance and mortgage broker remains a trusted partner throughout your property ownership journey, offering proactive advice as your needs evolve.