A broker approached Mortgage Street on behalf of experienced investor clients seeking to diversify their portfolio by acquiring a newly built NDIS property in suburban Melbourne.
Their objective was to secure a high yield, NDIS compliant investment property that would generate sustainable passive cashflow while aligning with their broader wealth building strategy. The scenario carried several layers of complexity. The purchase was made through a family trust, requiring trustee and guarantor considerations. The security property operated within the Specialist Disability Accommodation (SDA) rental market, meaning lenders needed confidence in long term income sustainability and provider stability. The borrowers also held multiple existing investment properties, and significant equity contributions, which added complexity to servicing, exposure limits, and risk assessment.
The following outlines how Mortgage Street applied a compliant, scenario based approach to support the broker.
The Mortgage Street Difference
- Supported a trust structured loan with directors and family members acting as guarantors.
- Accepted non-standard rental income using SDA provider appraisals to verify strong projected yields.
- Reviewed the borrowers’ multi property portfolio to balance existing debt positions with new exposure.
- Delivered funding at 80 percent LVR without LMI using the Liberal product to accommodate complexity.
- Worked with solicitors to ensure alignment with the trust deed and settlement conditions.
- Achieved timely settlement despite trust verification, valuation requirements, and SDA specific considerations.
Why Brokers Turn to Mortgage Street
- Policy flexibility for trust, SMSF, and company lending structures.
- Scenario based approach that recognises non-standard rental streams such as NDIS and SDA income.
- Transparent fees and conditions outlined upfront to avoid late surprises.
- Strong settlement support, coordinating with accountants and solicitors for smooth execution.
- Broker first communication, providing clear updates at every stage of the loan process.
Summary
Core Loan Details
- $504k family trust investment loan
- 80 percent LVR
- 30 year term
- Full doc Liberal loan
Structure and Income
- Structure: Company borrower acting as trustee for a family trust with director guarantees
- Borrower income: PAYG income, director salary, retained company profits, and more than $200k in SDA rental appraisals
- Credit profile: Clear history with strong asset position
Security and Timing
- Security: Specialist Disability Accommodation dwelling valued above $1m in a category 1 postcode
- Settlement date: June 2025
By recognising the dynamics of an NDIS aligned investment and accommodating a trust structure supported by multiple guarantors, Mortgage Street helped the broker deliver a smooth and compliant settlement outcome. This provided the clients with another step toward strengthening a resilient, income generating investment portfolio.
Compliance Notice
Prepared for accredited broker use only. Not for consumer distribution. Loan scenarios remain subject to full assessment, verification, and lending criteria.
For more information, contact the Mortgage Street team on 02 8059 6500 or [email protected].