Community Funding is a structured pathway that uses what you already have to help everyday Australians step onto the property ladder — without a massive deposit, without years of waiting.
"We've seen families drain their savings, compromise on location, or give up entirely — all because nobody showed them the third option existed."
Homeowner Assist was built by people who've sat across the table from thousands of aspiring homeowners. We watched the property market become increasingly inaccessible — and we decided to do something about it.
The Community Funding Program isn't a workaround or a loophole. It's a fully regulated, structured pathway that's been helping Australians buy property for years. We just made it accessible to everyday people.
Our job is to educate you on your options, coordinate the process, and administer the pathway from start to finish — so you can focus on finding the home you deserve.
We break down complex financial pathways into plain English so you can make an informed decision — not a desperate one.
We manage the moving parts — financial partners, lenders, legal teams — so nothing falls through the cracks during your journey.
From preliminary assessment to settlement, we guide you through every step of the process with clarity and accountability.
Most people only know about two options. We've helped hundreds of Australians discover the third — and it might be just right for you.
The default path. Save a 20% deposit, apply through a bank, buy a property. Simple in theory — brutal in practice.
The government co-buys up to 40% of your property. You need less deposit — but you share the equity and face strict income caps.
Use what you already have as leverage. No massive deposit, no government equity stake, no years of waiting. A fully regulated pathway built for people like you.
Most Australians have significant balances already working for them — often $250,000 or more. Community Funding is a structured, regulated pathway that allows you to use what you already have as leverage toward purchasing property.
It's not a loan. It's not a scheme. It's a formally documented funding structure that sits alongside your home loan and satisfies the lender's equity requirements.
Our comprehensive support covers every aspect of the Community Funding pathway — from first call to final settlement.
We assess your eligibility, current position, and borrowing capacity before you commit to anything.
A fully documented credit proposal prepared under the National Consumer Credit Protection Act.
We manage the complete purchase ready setup and coordinate the entire process.
The formal letter provided to your lender confirming the Community Funding arrangement is in place.
We guide you through the AIP process, helping you understand what the lender is looking for.
A dedicated team member walks you through every document before you sign anything.
We coordinate with all parties to ensure funds are in place and settlement proceeds without delays.
After settlement, we help structure the equity loan repayment in a way that suits your cash flow.
Deb is your first point of call — a real person who knows your file and answers your questions.
From first conversation to holding the keys — one team, one process, zero handoffs to strangers.
A clear, structured process with a dedicated team by your side at every stage.
Submit your details online or book a 10-minute call with Deb. We review your current position, income, and lending profile to determine if Community Funding is right for you — at no cost.
We prepare your NCCP-compliant credit proposal and collect the documentation needed to support your application. Our team handles the complexity so you don't have to.
Your position is structured through a purchase ready setup. We coordinate with all parties and provide the formal Green Light once everything is in order.
Armed with your Community Funding letter, you approach lenders with confidence. We support your AIP process and guide you through the contract signing and deposit stages.
We coordinate final settlement and structure the equity loan repayment. You get the keys. We continue supporting you through the post-settlement period.
Our free preliminary assessment covers the key indicators that determine whether Community Funding is the right pathway for your circumstances.
If you're eligible, we issue a Credit Proposal — a formal document that outlines the proposed structure, costs, and repayment schedule in plain English. You are never obligated to proceed.
Your credit proposal is a detailed document. Here's what the key sections mean:
Jeff had been told by two major banks that he didn't have enough deposit to qualify for a home loan. With prices rising faster than he could save, he'd almost given up.
When he reached out to Homeowner Assist, his balance was $310,000 — more than enough to structure a Community Funding arrangement. We assessed his file, issued his credit proposal, and supported him through to contract signing.
Settlement followed three weeks later. Jeff is now the proud owner of his first home in regional Victoria — mortgage repayments he can comfortably service, equity he owns outright.
A small, experienced team that's genuinely invested in seeing you succeed.
Built Homeowner Assist after seeing too many good people turned away by the system. Leads strategy and program design.
Your first point of call. Deb handles all new inquiries, preliminary assessments, and makes sure every client feels heard from day one.
Elise manages documentation, coordinates with external parties, and keeps every file moving forward on time.
Co-founded Homeowner Assist with Theo. Oversees lender relationships and the technical structure of Community Funding arrangements.
It takes 3 minutes to check your eligibility. If Community Funding is right for you, we'll tell you exactly what the pathway looks like — at no cost, with no obligation.