January 10, 2024

Pros and Cons Unveiled: Investing in NDIS House and Land Packages

Investing in NDIS (National Disability Insurance Scheme) house and land packages can offer unique opportunities, but it's essential to weigh the pros and cons before making a decision.

Pros of NDIS investment properties

Higher-than-market rental income 

Thanks to the SDA (specialist disability accommodation) payments provided through the NDIS, investors receive the reasonable rent contribution from the participants, as well as SDA payments. This means the rental income is typically higher than a non-SDA property. The federal government has committed to providing SDA payments for 20 years to eligible properties housing NDIS participants. 

Social Impact

Investing in NDIS properties allows investors to contribute positively to the community by providing much-needed housing for individuals with disability. Without appropriate homes for people with disability, many young people are forced to live in aged-care facilities or hospitals. By increasing the supply of accessible housing, you are helping to increase the dignity and independence of people with disability. 

That new-house smell

Investing in a house and land package means your tenants (the NDIS participants) are lucky enough to get to move into a brand new home! For anyone who has been living in an aged-care facility or hospital, moving to a new house is a dream come true. 

The benefit of a new house with all new appliances and fittings for the property investor is the reduced risk of things going wrong. You’re unlikely to have to spend money on mould problems or structural issues in the early days. 

The cons of purchasing NDIS investment property house and and land packages


When buying off the plan, it's challenging to predict if the finish quality will align with your expectations. Rest assured, at Apollo Investment, we work with the highest quality builders who specialise in SDA. We know you’d like to avoid the cookie cutter, mass-produced properties that developers are prone to using, and we share that sentiment wholeheartedly. 

Designing and building top-quality homes helps to ensure your risk of vacancy is reduced, but also provides tenants with the a home they’ll be proud to live in. 

Property Specificity

NDIS properties are designed to meet specific accessibility and disability requirements, which may be seen to limit their market if repurposing is needed. Through the NDIS, investors receive SDA payments in addition to rental income for the eligibility period of 20 years. After this 20 year period, it’s likely the home will still attract a higher level of rental income as it was built specifically for people with disability. 

The need for accessible short-term accommodation is also growing, which could be an option for the NDIS property. 

Initial Investment Costs 

The upfront costs of investing in NDIS house and land packages, including the construction of accessible features, can be higher compared to standard properties. While the initial costs are typically higher than a standard property, the increased rental return generally means it’s a viable investment for many investors. We’re experts in NDIS home loans, and work with lenders to help you access the level of finance required to get this investment underway. 

Before investing in NDIS house and land packages, it's crucial to conduct thorough research, understand the specific requirements and regulations, and assess the long-term viability of the investment. Consulting with financial advisers, property experts, and professionals in the disability accommodation sector can provide valuable insights, and help you determine if it’s the right move for you. Please reach out to us today for a conversation about investing in NDIS properties. 

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Get in touch with our team for more NDIS Property Investment information now.

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