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NDIS & Disability Home Loans

Home loans for people with disability, Disability Support Pension recipients and NDIS participants, plus finance for investors in Specialist Disability Accommodation (SDA).

What is a disability or NDIS home loan?

A disability home loan is a standard home loan arranged for a borrower with disability, including people receiving the Disability Support Pension and NDIS participants. The NDIS doesn't provide home loans itself; what matters is how a lender assesses your income, deposit and living costs. PostYourLoan compares lenders whose policies fit your situation, and also arranges finance for investors building or buying SDA property.

Key points

  • The NDIS doesn’t lend money for a home; home loans come from banks and other lenders.
  • Some lenders accept the Disability Support Pension as income, often with other income or a guarantor.
  • NDIS plan funding pays for supports and isn’t usually counted as income for a home loan.
  • First home buyer grants and the federal Home Guarantee Scheme may help with the deposit, subject to current eligibility rules.

Can you get a home loan on a disability pension?

Yes, it’s possible. Some lenders accept the Disability Support Pension as income and assess it like other ongoing government payments, often alongside wages, rental income or a family guarantee. Policies differ between lenders, so an application declined by one bank may suit another. Lenders still look at your deposit, living expenses, other debts and whether the repayments are affordable on your income.

NDIS plan funding is different: it pays for your supports and services, so lenders don’t usually treat it as income.

Government help that may apply

  • Home Guarantee Scheme: a federal scheme run by Housing Australia that can let eligible buyers purchase with a smaller deposit without paying lenders mortgage insurance.
  • First home owner grants and stamp duty concessions: offered by each state, with their own rules and price caps.
  • Family guarantee: a relative uses equity in their own property as extra security, which can reduce the deposit you need.

Eligibility rules and caps change, so check current criteria with Housing Australia and your state revenue office, or ask us to check them with you. See also our first home buyer page.

SDA investment loans

Specialist Disability Accommodation is housing designed for NDIS participants with extreme functional impairment or very high support needs. Investors financing SDA property face extra lender questions about the dwelling’s enrolment, tenancy and valuation, and fewer lenders offer it. We compare lenders that consider SDA and other investment loans.

What lenders look at

  • Your income, including pension, wages or other regular payments
  • Deposit or family guarantee
  • Living expenses and existing debts
  • The property, including any modifications
  • Credit history

Benefits of NDIS Home Loans

Flexible Loan Terms

Choose loan terms that fit your financial situation and long-term goals, with repayment plans that work for you.

Lenders That Fit Your Income

Lender policies on pension and other income differ, so we look for lenders whose rules suit your situation.

Help With Schemes and Grants

We check whether first home buyer grants, stamp duty concessions or the Home Guarantee Scheme may apply to you.

Specialized Loan Options

Tailored loan products that take into account the specific requirements of individuals with disabilities.

How we can help

First-Time Homebuyers with NDIS Support

Secure a loan for your first home, with options that include NDIS support for home modifications or specialized needs.

Home Modifications Financing

Access financing to modify an existing home to suit your accessibility requirements, such as ramps, wider doorways, or bathroom renovations.

Property Purchase Assistance

Finance to buy a home that suits your accessibility needs.

Home Modification Costs

Assistive technology and some modifications may be funded through your NDIS plan; we can help finance home changes the plan does not cover.

How the process works

1

Initial Consultation

Our team helps assess your needs and eligibility for NDIS home loans and modifications, guiding you toward the best options.

1

Lender Comparison

We compare lenders and loan products to find options that suit your income and needs.

2

Loan & Grant Assessment

We check which first home buyer grants, concessions or schemes you may be eligible for.

2

Application Assistance

From paperwork to approvals, we assist you through the process to make your homeownership dreams a reality.

Talk to us about a disability or NDIS home loan and we’ll compare lenders whose policies suit your income and situation.

Disability and NDIS home loan FAQs

Yes, some lenders accept the Disability Support Pension as income, often together with other income or a family guarantee. Lender policies differ, so comparing several lenders matters.

Usually not. NDIS plan funding pays for your supports and services, so lenders don’t generally treat it as income when assessing a home loan.

There is no separate federal disability home loan. Buyers with disability can use the same schemes as other buyers, such as the Home Guarantee Scheme and state first home owner grants or stamp duty concessions, if they meet the eligibility rules.

Yes. A family guarantee lets a relative use equity in their property as extra security, which can reduce the deposit you need. The guarantor takes on risk, so they should get independent advice.

Yes. We compare lenders that consider Specialist Disability Accommodation, which have extra requirements around enrolment, tenancy and valuation.

Possibly. Some modifications may be funded through your NDIS plan. For changes that are not covered, a home loan top-up, refinance or renovation loan may be an option.

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