NDIS (Specialist Disability Accommodation) and Co-Living properties are two of the strongest emerging segments in the Australian property market, recognised for their high rental yields and growing demand.
NDIS properties are supported by government subsidies and provide stable returns in an undersupplied market. Co-living properties, while not subsidised, also offer attractive yields and are increasingly popular among investors.
At Shore Financial, we’ve developed a specialised loan solution to support these unique property types, making it easier for both investors and owner-occupiers to access lending in an area often overlooked by mainstream banks.
Tailored Lending for Underserved Markets
Unlike many lenders, we recognise the long-term value of NDIS and Co-Living properties. Our product provides competitive lending options designed specifically for these underrepresented securities.
Higher Borrowing Power
Borrow up to 90% LVR in Category 1 & 2 postcode locations, and up to 80% LVR in Inner City, High Density, High Risk, and Category 3 regional locations (subject to property location and valuation).
Flexible Security Types
Our product covers both established and construction loans for NDIS and Co-Living properties. Whether you’re refinancing, purchasing, or building, we can tailor a structure to meet your goals.
Specialist Valuation Process
We use expert valuation partners (NICISA, Valuation Partners, Egans) to ensure your property’s true value—rent included—is recognised. While valuations take longer (around 4–5 weeks) and cost circa $2,855–$4,000, this ensures accuracy and credibility in a complex asset class.
Broad Borrower Options
Eligible borrowers include individuals, companies, and trusts. Every applicant must have clean credit, a credit score above 600, and provide two years of full income documentation.
While the structure is similar to standard residential lending, NDIS and Co-Living loans involve specific policies to ensure accurate assessment of income and property value.
Rental Income Consideration
NDIS: We accept 80% of net evidenced NDIS rental income with a lease agreement, a government-approved provider appraisal (for new builds), or a specialist valuation.
Co-Living: We accept 80% of net evidenced Co-Living rental income with a lease agreement, licensed real estate appraisal, or specialist valuation.
Valuation Requirements
All valuations must be conducted by our specialist panel. Investors should allow extra time (4–5 weeks) and factor in costs of $2,855–$4,000.
Loan Restrictions
Not suitable for commercial projects or developments.
Funding up to 12-bedroom property, subject to council compliance.
Loan Purpose
Available for investment or owner-occupied use, including purchase or refinance. Cash-out under refinance is limited to 80% LVR with no exceptions.
✅ Loan terms up to 25 years
Maximum loan amounts:
$1.25M for construction (location dependent)
$1.5M for established property (location dependent)
✅ Fixed and variable rate options (fixed rate lock available)
✅ Flexible repayment options
✅ Offset account included (one per loan)
✅ Redraw facilities
✅ Online access via desktop and mobile app
Typical eligibility requirements include:
1. Borrower Type:
Individuals, companies, or trusts (with guarantors, where applicable).
2. Credit standing
Minimum credit score of 600 and clear credit history.
3. Income evidence:
Two years of full income documentation required.
4. Property Type:
NDIS-compliant or Co-Living property with a maximum of 6 rooms and compliant with local council regulations.
5. Valuation Compliance:
Property must be valued by one of our approved specialist firms.
At Shore Financial. we pride ourselves on creating innovative lending solutions for property types that traditional lenders often overlook. With our NDIS & Co-Living loan product, you’ll benefit from:
Specialist Knowledge: our team understands the unique requirements of NDIS and Co-Living lending, from income assessment to specialist valuations.
Tailored Solutions: loans structured to suit your inesvtment or occupancy needs, with flexible features and competitive rates.
End-to-end Support: From valuation to loan settlement, our dedicated specialists guide you through every step, ensuring a smooth and transparent process.
Terms & Conditions
Rates are subject to change without notice. Terms, conditions, and eligibility criteria apply. Comparison rates are based on a $150,000 loan amount over a 25 year period (it may not include all fees and charges).
Notes
The information is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on this information.
We appreciate your message and a Shore Financial Adviser will respond to you within a few short days. In the meantime, here’s a few links to keep you occupied.
We appreciate your message and a Shore Financial broker will respond to you within a few short days. In the meantime, here’s a few links to keep you occupied.
