NDIS Home Loans
NDIS loans have been designed to assist Investors buy or construct a purpose built SDA certified and enrolled property.
Direct Credit Home Loans has in-house loan specialists who can guide you through the loan process journey from beginning to end. Alternatively, we can assist in refinancing your current SDA-enrolled property.
Frequently asked questions on NDIS / SDA Home Loans.
What is an NDIS Property?
SDA investment comes with unique risks so making an informed decision about getting involved is critically important.
- SDA Rules – requirements and obligations for owning and operating SDA
- Design Standards
- Pricing Arrangements
- Dwelling enrolment and vacancies
- Data on SDA and Supported Independent Living (SIL) usage
What LVR can I go to on this property type?
Generally 80% Loan to value ratio (Lvr) so you will require 20% Deposit to purchase or equity to refinance.
What loan size can I take out?
Up to $1.25Million for a construction, Established security loan sizes up to $2Million
Can I purchase an NDIS property in my SMSF?
Established NDIS properties can be purchased in your SMSF (Self Managed Super Fund) Construction not availiable for SMSF Loans
Can I have an Offset Account?
Yes Offset acccounts are availiable with most Direct Credit Loans
Can I purchase in a Trust or Company?
Yes – Can be purchased in a Trust, Company or Personal Name/s.
What are the terms for NDIS loans?
10, 15, 20, 25 years.
What NDIS products do you offer?
- Direct NDIS Loans availiable for Construction or Purchase established dwellings.
- Loans are variable with fixed options availiable
- Loans must be P&I over 25 Years Maximum
- Interest rate loading apply on all loans under construction.
Are there any monthly or annual fees?
- Yes $495 Annual Fee applies.
- No fees charged on redraw (Accept manual Redraw)
What is the Loan to Value Ratio (LVR)?
Loan Amount Max LVR
$100,000 – $1,250,000 80% Construction
$100,000 – $2,000,000 80% Established dwelling
Applicable loans
NDIS INVESTMENT LOAN
Interest rate
from 6.99%
Comparison rate
7.22%
Loan type
Variable
Max LVR
80%
Application fee
$880
NDIS SMSF LOAN
Interest rate
from 7.35%
Comparison rate
7.57%
Loan type
Variable
Max LVR
up to 80%
Annual fees
$495
Application fee
$880
Like More Information? - Complete form below & we will contact you.
Why use Direct Credit Home Loans ?
Our commitment to our customers is unwavering, and we pride ourselves on providing exceptional service and support throughout your entire home loan journey. Whether you have questions about our application process, need help choosing the right loan product, or simply want to learn more about the benefits of home ownership, our team is here to help.
We have been dealing with Direct Credit for the past 5 years and they have been amazing. Puawai the whole team at Direct Credit have always gone above and beyond to help us and think of the best financial solutions for our family. Always achieving the best results!Tammy communicated consistently and I always knew where the process was at.Thank you to the whole team at Direct Credit, you have been the amazing! We are extremely grateful and thankful for all your help these last few years.We have and will continue to recommend your services to everyone.
The most helpful and polite guys to do business with and don’t mess around to get things done 👍👍👍👍
I have been dealing with Direct Credit for the last 5 years this being my 2nd mortgage through them. The staff have always been exemplary in their professionalism but also treat you like they would family which is how I am privileged to feel. I have had the pleasure of having Puawai Herewini as my bank manager along with Katie and Tammy the client services manager and team. This last loan was a separation settlement and I honestly don't know what I would've done without them. With all of the previous stresses of the last couple of years and work changes I left everything thing quite late and the team just batted together and made it happen in such a short time frame, I am so very grateful.The support often on a daily basis I have received is well above their designated job descriptions as I said feel like part if the Direct Credit family everyone has been absolutely fantastic always going above and beyond helping me through this long drawn out situation. Again I can't thank you all enough!!! Derek you have the dream team working for you, they have yet again smashed it out of the ball park. So very relieved to have settled today and will definitely as I already do be recommending your companies services to everyone. Thank you all so very much again.
Without any doubt these guys are the Home Loan 'A TEAM'. I had a really bad experience with Mortgage Choice which resulted in my finance falling over at the last stage due to the broker I was using.My brother put me onto Direct Credit and the team of Derek, Puawai, Tammy & Katie, they went above and beyond to secure me finance approval to build my new home.Thankyou all sooooo much 🙏
We couldn’t have asked for a better experience as first home buyers. Derek, Tammy & Katie were very knowledgeable & involved us in the entire process. We would definitely work with them again.
The team at direct credit have been great!!! Such a stream line process and give the best options possible. Always transparent and give up to date info asap! Derek has been in the industry for a many years and it shows. Any Hick ups or troubles,,,, no stress he has it covered!Thank you direct credit
Heather and Tammy were excellent at Direct credit, they handled a complex multi-loan multi-bank refinance professionally and efficiently, achieving a great outcome for us.
A pleasure doing business with the team at Direct CreditMasters in guidance through what can be a minefield of qualification
Awesome - Puawai, Tammy, Heather and Derek. So patient and understanding. They go above and beyond!
Excellent service, great communication and always available to answer any questions. Very happy with our experience
The team at Direct Credit were so helpful, friendly and efficient. They helped to select the best personal option. Information was readily available all the way along. No question was too big or small! My partner and I dealt mostly with Tammy and Kate, they were both amazing. I definitely recommend Direct Credit, especially if you are a first home buyer. Thank you so much!
Derek and Tammy from DCHLA were extremely helpful and ensured the whole home loan process was as simple as possible with great communication and a caring approach.Couldn't recommend them highly enough!
We found ourselves in a difficult situation and the team from Direct Credit Home Loans found us an avenue which has allowed us to move forward. Puawai did his absolute best working with us and our accountant; the follow up from Tammy and Katie was awesome. This is our second loan with Direct Credit Home Loans and I'm sure it won't be the last. Thank you so much guys.
These guys are absolutely amazing! I would almost pay higher interest rates to be with these guys, almost! Fortunately, though, they are able to achieve the best outcomes for their clients. They work so hard to do this. I am so impressed!The personal service not only through the loan process, but with ongoing support, is second to none. Would be very disappointed with anyone else after being so well looked after by these guys 🙂
We have been dealing with Direct Credit for the past 5 years and they have been amazing. Puawai the whole team at Direct Credit have always gone above and beyond to help us and think of the best financial solutions for our family. Always achieving the best results!Tammy communicated consistently and I always knew where the process was at.Thank you to the whole team at Direct Credit, you have been the amazing! We are extremely grateful and thankful for all your help these last few years.We have and will continue to recommend your services to everyone.
The most helpful and polite guys to do business with and don’t mess around to get things done 👍👍👍👍
I have been dealing with Direct Credit for the last 5 years this being my 2nd mortgage through them. The staff have always been exemplary in their professionalism but also treat you like they would family which is how I am privileged to feel. I have had the pleasure of having Puawai Herewini as my bank manager along with Katie and Tammy the client services manager and team. This last loan was a separation settlement and I honestly don't know what I would've done without them. With all of the previous stresses of the last couple of years and work changes I left everything thing quite late and the team just batted together and made it happen in such a short time frame, I am so very grateful.The support often on a daily basis I have received is well above their designated job descriptions as I said feel like part if the Direct Credit family everyone has been absolutely fantastic always going above and beyond helping me through this long drawn out situation. Again I can't thank you all enough!!! Derek you have the dream team working for you, they have yet again smashed it out of the ball park. So very relieved to have settled today and will definitely as I already do be recommending your companies services to everyone. Thank you all so very much again.
Without any doubt these guys are the Home Loan 'A TEAM'. I had a really bad experience with Mortgage Choice which resulted in my finance falling over at the last stage due to the broker I was using.My brother put me onto Direct Credit and the team of Derek, Puawai, Tammy & Katie, they went above and beyond to secure me finance approval to build my new home.Thankyou all sooooo much 🙏
We couldn’t have asked for a better experience as first home buyers. Derek, Tammy & Katie were very knowledgeable & involved us in the entire process. We would definitely work with them again.
The team at direct credit have been great!!! Such a stream line process and give the best options possible. Always transparent and give up to date info asap! Derek has been in the industry for a many years and it shows. Any Hick ups or troubles,,,, no stress he has it covered!Thank you direct credit
Heather and Tammy were excellent at Direct credit, they handled a complex multi-loan multi-bank refinance professionally and efficiently, achieving a great outcome for us.
A pleasure doing business with the team at Direct CreditMasters in guidance through what can be a minefield of qualification
Awesome - Puawai, Tammy, Heather and Derek. So patient and understanding. They go above and beyond!
Excellent service, great communication and always available to answer any questions. Very happy with our experience
The team at Direct Credit were so helpful, friendly and efficient. They helped to select the best personal option. Information was readily available all the way along. No question was too big or small! My partner and I dealt mostly with Tammy and Kate, they were both amazing. I definitely recommend Direct Credit, especially if you are a first home buyer. Thank you so much!
Derek and Tammy from DCHLA were extremely helpful and ensured the whole home loan process was as simple as possible with great communication and a caring approach.Couldn't recommend them highly enough!
We found ourselves in a difficult situation and the team from Direct Credit Home Loans found us an avenue which has allowed us to move forward. Puawai did his absolute best working with us and our accountant; the follow up from Tammy and Katie was awesome. This is our second loan with Direct Credit Home Loans and I'm sure it won't be the last. Thank you so much guys.
These guys are absolutely amazing! I would almost pay higher interest rates to be with these guys, almost! Fortunately, though, they are able to achieve the best outcomes for their clients. They work so hard to do this. I am so impressed!The personal service not only through the loan process, but with ongoing support, is second to none. Would be very disappointed with anyone else after being so well looked after by these guys 🙂
Steps to your NDIS Home Loan
1. Am I eligible for a loan?
If you are a PAYG earner or self-employed with full financials, have a sound credit history and have at least 20% deposit for a purchase or equity in existing property – you may qualify.
2. Know your loan capacity
See how much you can borrow using our simple borrowing power calculator, or call one of our friendly team to get a detailed borrowing capacity over the phone today
3. Book a consultation or apply online
Call us on Freecall 1800 000 800 for a no obligation chat or, if you’re ready to apply get started now.
