Matthew Clark
Founder & Head of Client Strategy
Dip. Fin. Services (Mortgage Broking) · Dip. Prop. (Agency Mgmt) · QPIA · Credit Rep. 508009 · ACL 538623 · Amazon Bestselling Author ×2
NDIS SDA Investment Lending
Strategic Lending Advisory
SDA lending is not residential lending with a different tenant.
The lender pool is limited, the LVRs are lower, and income is assessed differently.
An SDA project that looks viable on paper can fail the lender's serviceability test if the income isn't assessed correctly. Most investors discover this during the application process — not before it.
Apply for a Strategy Session →Questions? Call us on (03) 4329 0901 — Mon–Fri 9:00am–6:00pm
“What looks like a strong yield on paper can become a servicing problem if the lender doesn't recognise the income correctly. This is why we start with the full SDA picture — not a lender.
SDA lending sits between residential, commercial, specialist disability accommodation, and NDIS income assessment. It is not assessed the same way as a standard investment property. Lender appetite is limited, policy varies sharply, and loan-to-value ratios are often lower than investors expect.
The property, tenant profile, SDA category, provider arrangement, location, and forecast income all affect how a lender will assess the deal.
What We Do
Before we approach a single lender, we establish:
- Your SDA design category and its impact on income and LVR.
- Your location and how it affects lender appetite.
- Your building type and occupancy model.
- Your SDA provider arrangement.
- Your broader financial position and borrowing capacity.
Only then do we identify which lenders will actually consider the deal — and on what terms.
The CARE Framework
How We Work With SDA Investors
A four-step process refined over 3,000+ client engagements.
Clarify
Understand your position and goals
We establish your full SDA picture — design category, location, building type, provider arrangement, and financial position — before making any recommendations.
Assess
Assess your lending options
We eliminate lenders that don't lend into SDA before identifying those that will. We assess policy, serviceability, and pricing across our panel of 72+ lenders, including the non-bank and commercial specialists who understand how to assess NDIS income correctly.
Recommend
Recommend the right strategy
We recommend a strategy based on your SDA position and explain it in plain English.
Execute
Secure the outcome and stay supported
We manage the process from application through to settlement — coordinating with your SDA provider, accountant, and solicitor as required — and continue to support you as your occupancy or provider arrangements change.
This engagement is for you if:
- You are an investor who has researched SDA and understands how the income model works
- You are purchasing an established SDA property or developing a new one and need specialist lending advice
- You have or are in the process of securing a registered SDA provider
- You understand that SDA lending operates under commercial frameworks and are prepared to provide full financial documentation
This engagement is not suitable if:
- You have not yet researched the SDA model, design categories, or NDIS income framework
- You are approaching SDA primarily as a high-yield opportunity without understanding the occupancy, compliance, and provider risks
- Your property has not been designed or certified to SDA standards
- You are looking for a standard residential lender to fund an SDA property
If this aligns with your situation, you can apply below.
FAQ
What clients ask before engaging Key Choice Lending for SDA finance.