Frequently Asked Questions
Get answers to the most common questions about our community funding program and homeownership solutions.
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Getting Started
Eligibility, process, and first steps
Costs & Fees
Pricing, payments, and financial details
Legal & Security
Contracts, ownership, and protection
Getting Started
What is community funding and how does it work?
Community funding is our way of helping you purchase without needing a large deposit. We partner with you to structure the finance so you can buy the home outright in your own name. From day one you own 100% of the property, just like any other homeowner.
Who is eligible for community funding?
We look for buyers who are ready to step into home ownership but might not have a deposit saved. Steady income, a history of meeting commitments, and a realistic budget are the main things we consider. If you are unsure, the eligibility check is quick and obligation free.
How long does the application process take?
The initial eligibility assessment takes just 5 minutes online. Once approved, the full process from application to settlement typically takes 6-12 weeks, depending on property selection and bank approvals. We work to make the process as efficient as possible.
Can I choose my own property?
Yes. You can buy an established home that fits your approved budget. At this stage we do not support new builds, construction, or house and land packages.
Costs & Fees
What upfront costs do I need to pay?
One of the main benefits of community funding is that there are no upfront costs to you. You don't need a deposit, and our service fees are built into the loan. You only pay upon successful completion of your property purchase.
How much will my monthly payments be ?
Your monthly payments are typically similar to what you'd pay in rent for a comparable property. The exact amount depends on the property value and loan terms. We provide detailed payment schedules before you commit to anything.
Are there any hidden fees?
No, we believe in complete transparency. All fees and costs are clearly outlined in your loan agreements before you sign. There are no hidden charges or surprise fees. Our success depends on your success, so we're aligned in making this work for you.
What happens if I can't make a payment?
We understand that financial circumstances can change. If you're experiencing difficulties, contact your lender immediately. They will work with you to find solutions, which might include payment restructuring or other arrangements. Early communication is key to finding the best outcome.
Legal & Security
Who owns the property?
You do. From settlement day the home is 100% in your name. You can live in it, renovate it, refinance, or sell whenever you choose.
What legal protections do I have?
You purchase through the same contracts and legal process as any other buyer in Australia. We encourage you to seek independent legal advice so you feel confident every step of the way.
Can I sell the property?
Yes. It is your home, so you can sell whenever you want. When you do, you keep any profit from the sale after normal costs.
What happens if property values decrease?
Like any property owner, you carry the market risk. Property values can move up or down, but you own the home completely. Our role is to help you buy within a safe budget so you are set up for the long term.
Other Common Questions
Can I renovate or modify the property?
Yes. It is your home, so you can update, renovate, or improve it as you like, provided you follow council and building rules.
What if I want to move to a different city?
You have the same choices as any homeowner. You can sell and buy again, or you can keep the property as an investment and rent it out.
Is community funding available in all states?
Yes. We support buyers across Australia in both metro and regional areas, subject to normal lending rules and local property availability.