EPISODE 308 - NDIS Lending: Goodbye Postcode Restrictions

Goodbye Postcode Restrictions ... & Hello Distance Restrictions! 

Big changes (again) are reshaping NDIS lending landscape, and in this episode, Debbie sits down with Paul Grant from Axis Lending to unpack the latest finance requirements for NDIS property investing, from their perspective as a Mortgage Manager.

This episode only relates to Origin, the largest wholesale NDIS lender across Australia, and this information discussed doesn't apply to other lenders in the SDA space, for investors looking at NDIS property investments.

Late last year in 2024 we saw significant tightening of eligibility criteria, including new income thresholds ($250K+ household income or $2.5M+ net assets for "sophisticated investors") and geographic restrictions. But as of this week (23rd June 2025), the rules have evolved again - with major implications for investors and participants alike.

Key changes include:
✔️ Postcode restrictions replaced by distance-based rules (50km from Sydney CBD, 25km from other capitals)
✔️ Lending based on 100% alternate use value in major cities (80% in larger regional centres)
✔️ Stronger focus on owner-occupiers and families, who may now qualify for better terms - possibly even standard home loans
✔️ Stricter SMSF requirements, including mandatory upfront Statements of Financial Advice
✔️ Compulsory Due Diligence reports for all purchases

Why does this all matter? These changes reflect a maturing market - one that prioritises sustainable investments while ensuring quality housing for participants. 

While investor activity has slowed, the focus on sophisticated buyers and owner-occupiers points to a more stable future. Tune in as Debbie and Paul discuss in detail the new lending rules.

If anyone wants to reach out to Paul Grant, his email is: [e-mail]

Click here for their website - Axis Lending 

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