How to Buy a House as a Disability Participant on the NDIS
At Pure Care Adelaide, we support participants in building independence and achieving their goals. One of the biggest steps toward independence is buying your own home. For people on the National Disability Insurance Scheme (NDIS), the process of purchasing property can feel overwhelming — but with the right support, it’s absolutely achievable.
Whether you’re exploring Specialist Disability Accommodation (SDA) or simply want a place that’s accessible and suited to your lifestyle, here’s what you need to know.
1. Understand Your NDIS Supports
Not all housing costs are covered by the NDIS, but the scheme may contribute toward:
SDA funding: if you’re eligible, this can help cover the cost of purpose-built or modified housing.
Home modifications: such as ramps, accessible bathrooms, and widened doorways.
Support services: to help you live independently in your own home.
Your first step should be reviewing your NDIS plan with your support coordinator or plan manager.
2. Work Out Your Budget
Like any homebuyer, you’ll need to consider:
Savings for a deposit
Loan pre-approval from a bank or lender
Ongoing costs (mortgage repayments, utilities, insurance, and maintenance)
It’s also worth checking if you qualify for government grants like the First Home Owner Grant (SA) or stamp duty concessions.
3. Engage the Right Conveyancer
Buying a home involves legal contracts, property checks, and settlement processes. This can be complex, which is why working with an experienced conveyancer is essential.
We recommend O’Halloran Conveyancing, Adelaide property specialists who understand the unique needs of NDIS participants and their families. They’ll make sure your property purchase is smooth, compliant, and stress-free.
4. Choose an Accessible Home
When inspecting potential properties, look out for:
Step-free entrances
Wide hallways and doors
Bathroom and kitchen layouts that support mobility
Potential for home modifications (and whether your NDIS plan can fund them)
If the property isn’t fully accessible, factor in the cost of modifications before making an offer.
5. Plan for a Fresh Start
Moving into your own home is exciting, but renovations, modifications, or even previous owners can leave behind dust, dirt, or allergens. A professional clean ensures your home is healthy and safe from day one.
That’s where Pure Clean Adelaide can help. Their eco-friendly carpet cleaning, end-of-lease cleaning, and deep cleaning services are ideal for preparing your new home so you can move in with peace of mind.
Final Thoughts
Buying a home as a disability participant on the NDIS may take careful planning, but it’s one of the most empowering steps you can take. With the right financial preparation, trusted legal support from O’Halloran Conveyancing, and a healthy, clean start from Pure Clean Adelaide, you’ll be well on your way to creating a safe, independent, and comfortable home.
At Pure Care Adelaide, we’re here to guide you through every stage of the journey — because your independence matters.
