For Australians with existing long-term retirement savings exploring structured pathways into property. We educate you on how the Community Funding Program works, then coordinate licensed partners through the process. We don't sell, advise, or recommend.
Homeowner Assist was built to explain a structured property ownership pathway — the Community Funding Program — to Australians who may be eligible for it. We don't run the program. We don't issue credit. We don't give financial advice. What we do is educate, coordinate licensed partners, and administer the paperwork so the process is clear from first conversation to settlement.
The Program is designed for a specific group: Australian residents in households with $180,000+ combined long-term retirement savings (super), $120,000+ combined household income, full-time employment, below preservation age (generally 67) and no credit defaults in the past 2 years. The licensed partners apply these criteria. If the answers you give sit outside the criteria the licensed partners apply, we say so plainly and point you to other pathways, including government schemes and traditional saving.
We explain how the Community Funding Program works in plain English, so you can decide whether to explore it with a licensed adviser.
We coordinate the licensed credit, legal, and administration partners who run each stage of the pathway. We don't run the stages ourselves.
We handle the document collection, scheduling, and partner hand-offs so nothing falls through the cracks.
Most people only know about two. We educate Australians on the third, and on the criteria the licensed partners apply.
The default path. Save a deposit (commonly 5%–20%), apply through a bank, buy a property.
A range of government-supported pathways including the Help to Buy scheme, the Home Guarantee Scheme (5% deposit), and First Home Super Saver Scheme.
A structured arrangement for Australians with existing long-term retirement savings. The Program combines an equity loan from a licensed lender with a traditional home loan; a household's existing long-term retirement savings (super) is one of the eligibility criteria the licensed partners assess. Credit and any related financial advice are provided by our licensed partners, not by Homeowner Assist.
The Community Funding Program is a structured arrangement that combines an additional facility provided by a licensed lender (an equity loan) alongside a traditional home loan, available to eligible Australians. A household's existing long-term retirement savings (super) is one of the eligibility criteria the licensed partners assess. It involves licensed credit, may involve licensed financial advice, and has costs, risks, and obligations that must be fully understood before proceeding.
If you want financial or credit advice about whether the Community Funding Program is right for your personal circumstances, you must speak to a licensed adviser. We can introduce you to one, but the advice is theirs, not ours.
How a price guide is set, what duty costs in your state, what the cooling-off period gives you, and what to check before an offer. Sourced, dated, and written in plain English. No advice, nothing to buy.
Duty, first-home relief, cooling-off, grants, price guides and the buying process for all eight states and territories, each fact sourced to the agency.
Pick your state → Buyer guidesHow a fair-value range is built from comparable sales, what "offers over" really means, and the family-help guides for parents and the children they help.
Read the guides → Glossary and checklistsThe words used at you when buying a home, each explained in a sentence, and short checklists for the moments that matter.
Look it up →A clear, structured process with a dedicated team by your side at every stage.
Submit your details online or book a 20-minute, no-obligation call with our Client Manager. We explain how the Program works and the eligibility criteria the licensed partners apply, and answer your questions. Nothing is assessed or decided on the call.
If you choose to go further, we introduce you to our brokers, who tell you what documents they need and prepare any credit proposal under an Australian Credit Licence. We keep the paperwork organised and the process on schedule.
The licensed partners complete their assessments and documentation and confirm when you are ready to purchase. We coordinate between the parties and pass that confirmation on to you.
With your Community Funding letter from the licensed partner in hand, you approach lenders. Any approval in principle is the lender's decision; we keep the process coordinated and keep you informed through the contract and deposit stages.
We coordinate settlement with all parties; loan terms and repayments are set by your lender; any credit assistance comes from our brokers. Once settlement completes, you get the keys. We continue supporting you through the post-settlement period.
The Community Funding Program is designed for a specific household position. These are the criteria the licensed partners apply. On the call the team explains the criteria and asks, in broad terms, where you sit against them; nothing is assessed, and the partners make the actual assessment.
If you choose to go further, our brokers carry out their own credit assessment. If they assess you as eligible, they issue a credit proposal: a formal document setting out the proposed structure, costs and repayments in plain English. You are never obligated to proceed.
The credit proposal is the broker's document. These are the sections it contains; the broker walks you through it, and you can take it to an independent adviser.
Jeff approached Homeowner Assist after being declined by two major banks for a traditional home loan due to insufficient deposit. After learning how the Community Funding Program works, he asked to be introduced to our brokers, who undertook their own credit assessment and prepared a credit proposal under an Australian Credit Licence.
Jeff chose to proceed after independently considering the proposal. Settlement followed three months later.
This is one client's experience. It is not a typical outcome, not a guarantee of future results, and does not constitute a recommendation. Your circumstances will be different. Speak to a licensed adviser before making any financial decision.
Speak to our team
Leads the business and looks after the overall client experience.
Leads marketing and makes sure the Program is explained clearly.
Leads the sales team and makes sure every enquiry gets a reply.
Your first point of contact. Elise runs the 20-minute introduction call and supports you through each step.
Google reviews and personal messages from clients, in their own words, about the chat they had and where it led.
Helpful beyond the necessary, more than friendly and approachable and experts in their chosen fields. Do yourself a favour, have the conversation — it doesn't cost you anything but time and it could mean everything to your family and your future. If you engage their help they will back you and guide and help you every step of the way.
I have no words that accurately describe how thankful I am to the Homeowner Assist team. I was heard and supported through every step of the process. Huge thanks to Theo and my team.
Was a very good experience and they kept us informed the whole time.
The HOA team were superb from start to finish in getting me into my new home. Couldn't recommend more.
Theo and the team carried us through a journey which we thought was not possible. Full credit to Homeowner Assist for helping us achieve ownership of our first home in WA.
Theo, Hadleigh, and the Homeowner Assist Team were amazingly supportive and available throughout the entire process from clicking on their ad to settling on my new home — thank you guys!
Thank you to Theo and all the team at Homeowner Assist — they helped make our dreams come true. Everyone was so supportive and helpful all the way from start to finish. 100% recommended.
Amazing team that helped us have our own home again.
We recently used Homeowner Assist … and the experience was fantastic from…
Without Homeowner Assist we simply would not have been able to purchase our home…
Me and my family would like to thank you for giving us this awesome gift. Thank you for handling everything that was needed and for putting up with my pressure. I had a goal that was just out of reach but you helped me get through it and achieve what I wanted. Programs like yours are truly amazing and inspiring — you have the power to change people's lives for the better. From the Gray family — thank you very much Theo, you are number 1 in our books!
We would like to say thank you very much for everything you and your team did for Julie and I. We are over the moon to get the phone call from Sam to say congratulations. I'm so excited — thank you so much!
A 20-minute call with our Client Manager: a plain-English introduction to how the Program works and the eligibility criteria the licensed partners apply. No advice. No pressure. No obligation. If your answers sit outside the criteria, we say so plainly and point you to other pathways. Whether you meet the criteria is for the licensed partners to assess.