Exactly what it sounds like. The equity partner puts in 20% of the purchase price and that replaces your deposit completely. You don't need to bring a cent for the deposit. You will still pay the normal costs that come with any property purchase, like legal fees and stamp duty, but the deposit itself is zero.

No. Your name goes on the title. Theirs doesn't. They hold a financial interest that's secured against the property. Think of it like a second mortgage that gets paid out over time. They have zero say in how you live, what colour you paint the walls, or who comes over for dinner.

You need to buy out the equity partner's remaining share by year five. But you don't have to wait. You can start buying them out from day one, in chunks as small as 5% at a time. Most people refinance to complete the buy-out. If for some reason you can't buy them out by year five, the property may need to be sold and the proceeds are split based on each party's share.

You're not on your own. The loss is shared proportionally. If you own 80% and the property drops, you absorb 80% of the decline and the partner absorbs 20%. That's one of the key advantages over buying 100% traditionally, where you'd carry the entire loss yourself.

This is where the structure really works in your favour. Growth is shared, but the partner's share is capped at half their percentage. So if they hold 20%, they can only claim 10% of any increase. On an $80,000 gain, they'd get $8,000 and you'd keep $72,000. The longer you hold, the more the maths favours you.

No, and this is a big deal. Lender partners are already set up and familiar with the shared equity structure. You don't need to shop around trying to explain the arrangement to banks who've never seen it before. We connect you with the right lender as part of the process.

Yes. A registered SDA provider must be appointed. They make sure the home meets SDA standards, coordinate repairs and maintenance, and handle audits and reporting under the NDIS framework. You pay the provider's fees as the homeowner. Think of them as the compliance layer that keeps your home meeting the standards it was built to.

Absolutely. We have a dedicated Families and Support Coordinators Guide that explains the structure, obligations, and suitability considerations. Your family, nominee, or support coordinator can be involved at every stage. We encourage everyone involved to seek independent legal and financial advice.

No. This only applies to select purpose-built SDA properties delivered by Equitifund, not any home on the open market. That's how we're able to structure the zero deposit arrangement. Our team can show you exactly what's currently available.

You pay everything a normal homeowner pays. Mortgage repayments on your 80%, council rates, strata, insurance, utilities, maintenance, and SDA provider fees. At purchase, you also pay standard transaction costs like legal fees and stamp duty. The difference is you don't pay a deposit. The equity partner's 20% takes care of that.