Rent, Buy or SDA? A Housing Guide for NDIS Participants
Finding the right home is more than just picking a place to live — it's about creating a safe, comfortable, and supportive environment that aligns with your lifestyle, goals, and care needs.
For NDIS participants, housing options often fall into three main categories: Renting, Buying, and Specialist Disability Accommodation (SDA). Each path has its own benefits and considerations. This guide breaks down each option to help you make a well-informed decision based on your personal circumstances and NDIS plan.
1. Renting: Flexible and Accessible
Renting is often the first choice for participants seeking flexibility or those in transitional stages of life.
Advantages:
-
Short-term commitment – Ideal if your circumstances are likely to change.
-
Lower upfront costs – No need for a mortgage deposit.
-
Less maintenance responsibility – Landlords typically handle repairs.
Considerations:
-
Limited modification options – Making accessibility changes may require landlord approval.
-
Uncertainty – Lease terms can vary, and renewals aren’t always guaranteed.
-
Not always accessible – It may be difficult to find a rental that meets your physical or support needs.
Who it suits best: Participants who need immediate housing or are exploring long-term options, or who aren’t yet eligible for SDA.
2. Buying: Long-Term Security and Control
Owning your home can offer a sense of stability and the freedom to create a space that suits your specific needs.
Advantages:
-
Customisation – You can adapt the home for accessibility and independence.
-
Stability – No risk of eviction or rent increases.
-
Investment – Over time, home ownership can build personal equity.
Considerations:
-
Upfront costs – A deposit, legal fees, and home modifications can be costly.
-
Ongoing responsibilities – Maintenance, insurance, and mortgage payments are your responsibility.
-
Long-term commitment – Not ideal if your support needs are expected to change.
Who it suits best: Participants with financial stability and a clear understanding of their long-term care and housing needs.
3. Specialist Disability Accommodation (SDA): Purpose-Built Housing
SDA is designed for people with extreme functional impairments or very high support needs. It provides specialist housing options with built-in features that improve accessibility, safety, and independence.
Advantages:
-
NDIS funded – SDA funding covers the cost of the built environment, significantly reducing your out-of-pocket expenses.
-
Tailored to need – Homes are designed with accessibility and care in mind.
-
Integrated supports – Often colocated with or near support services.
Considerations:
-
Eligibility required – SDA is only available to participants who meet specific criteria.
-
Limited availability – Especially in regional or high-demand areas.
-
Less flexibility – You may have fewer choices in terms of location and housing types.
Who it suits best: Participants with high support needs who are eligible for SDA funding and seeking long-term housing with built-in accessibility and care features.
Key Planning Questions to Ask Yourself
Before making a decision, ask:
-
What are my current and future support needs?
-
Am I eligible for SDA or other NDIS housing support?
-
Do I need short-term flexibility or long-term stability?
-
What is my financial situation?
-
Where do I want to live and what supports are nearby?
Getting Support With Your Decision
Speak with your:
-
Support Coordinator
-
Local Area Coordinator (LAC)
-
NDIS planner
-
Housing provider or advisor
These professionals can help you understand your options, navigate the NDIS housing process, and identify suitable accommodation based on your needs and goals.
Final Thoughts
Whether you choose to rent, buy, or apply for SDA, the right housing option is the one that supports your independence, safety, and personal goals. With the right information and planning, you can find a home that not only suits your needs today but also supports your future.
Looking for SDA Accommodation?
We’re here to help. Whether you need support gathering reports, finding providers, or navigating the NDIS system, get in touch with our team. Let’s work together to help you find your perfect home.
Our team At Ausnew Home Care is here to assist you in finding the perfect living arrangement that supports your independence and well-being.
