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Don't just take our word for it.
Yes, you can live in the home you purchase through our Community Funding program.
Here’s how it works:
Your Super isn’t spent—it’s invested.
You invest your Super into a community fund that operates similarly to a community bank. This investment earns a return, so your Super continues to grow for your retirement.
Your investment helps others—just like others help you.
Your Super supports another member of the community by contributing to their deposit loan. In return, you gain access to funding from the community to cover your own deposit and even consolidate existing debts.
Compliant with the Sole Purpose Test.
Because your Super is used as an investment—not a direct purchase—and it continues to grow for your retirement, it passes the government’s Sole Purpose Test.
What happens after 5 years?
After 5 years, your original Super investment—plus the growth—is withdrawn from the community fund and returned to your control, ready for reinvestment.
If you've been dreaming of owning your own home but feel held back by the need for a large deposit or existing debts, Community Funding could be the solution you've been searching for.
This program is designed to assist everyday Australians in transitioning from renting to homeownership, even if traditional financial pathways have seemed out of reach.
Eligibility Criteria:
- Superannuation Balance: A minimum of $180,000 in superannuation is typically required. However, if your individual super balance is below this threshold, you can combine your super with that of a partner, family member, or friend to meet the requirement.
- Income Stability: An annual income of at least $100,000 is generally needed. Similar to superannuation, combined incomes with a partner, family member, or friend can be considered to meet this criterion.
- Residency: You must be an Australian citizen or permanent resident.
- Credit History: While perfect credit isn't required, a reasonable credit history will support your application. Existing debts and financial commitments are considered in the assessment.
By combining resources, Community Funding opens the door for more Australians to achieve homeownership.
Take the Next Step:
If you're ready to explore how Community Funding can help you achieve homeownership, we encourage you to take our short eligibility test.
Community Funding is a breakthrough financial model that’s helping everyday Australians finally break free from renting and move into a home of their own—without needing a cash deposit.
Here’s how it works: You invest your Super into a community fund that supports others in the same position. That investment continues to grow for your retirement, while also giving you access to a loan to cover your own home deposit—and even help clear any bad debt holding you back.
It’s a win-win: your Super stays on track for retirement, and you finally get the chance to own a place to call home.
After 5 years, your Super plus any growth is returned to you to reinvest however you choose.
Find out if we can help you.
Answer a few questions to see if you qualify for our Community Funding Program and make your dreams of homeownership a reality.
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