The Third Path to Homeownership

You don't need a $200k deposit to own your first home.

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.

Learn How It Works
Free assessment
Structured pathway
200+ families helped
Jeff and family in their new home

Seven years of watching people get pushed into the wrong decision.

"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.

Educate

We break down complex financial pathways into plain English so you can make an informed decision — not a desperate one.

Coordinate

We manage the moving parts — financial partners, lenders, legal teams — so nothing falls through the cracks during your journey.

Administer

From preliminary assessment to settlement, we guide you through every step of the process with clarity and accountability.


Three paths to your first home

Most people only know about two options. We've helped hundreds of Australians discover the third — and it might be just right for you.

Traditional

Save & Get a Bank Loan

The default path. Save a 20% deposit, apply through a bank, buy a property. Simple in theory — brutal in practice.

  • Requires $150k–$250k deposit
  • 5–10+ years of saving
  • Prices often outpace savings
  • Widely understood process
  • Full ownership from day one
Government Scheme

Help to Buy Scheme

The government co-buys up to 40% of your property. You need less deposit — but you share the equity and face strict income caps.

  • Income cap: $120,000/year
  • Property price caps apply
  • Government holds equity stake
  • 2–5% deposit required
  • No LMI on government portion

Community Funding visual
At your pace No cost. No obligation.

What you already have could work for your home.

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.

1
Free Preliminary Assessment We review your current position, income, and borrowing capacity — at no cost to you.
2
Purchase Ready Setup Your position is structured through a purchase ready setup with full regulatory compliance.
3
Community Funding Letter A formal funding letter is issued to your lender, satisfying their deposit requirements.
4
Conditional Approval & Settlement You proceed to purchase with conditional approval and full team support through to settlement.

Everything you need, nothing you don't

Our comprehensive support covers every aspect of the Community Funding pathway — from first call to final settlement.

1
Free Preliminary Assessment

We assess your eligibility, current position, and borrowing capacity before you commit to anything.

2
NCCP-Compliant Credit Proposal

A fully documented credit proposal prepared under the National Consumer Credit Protection Act.

3
Purchase Ready Setup

We manage the complete purchase ready setup and coordinate the entire process.

4
Community Funding Letter

The formal letter provided to your lender confirming the Community Funding arrangement is in place.

5
Approval in Principle Assistance

We guide you through the AIP process, helping you understand what the lender is looking for.

6
Contract Signing Support

A dedicated team member walks you through every document before you sign anything.

7
Deposit & Settlement Coordination

We coordinate with all parties to ensure funds are in place and settlement proceeds without delays.

8
Equity Loan Facilitation

After settlement, we help structure the equity loan repayment in a way that suits your cash flow.

9
Dedicated First Contact Support

Deb is your first point of call — a real person who knows your file and answers your questions.

10
End-to-End Case Management

From first conversation to holding the keys — one team, one process, zero handoffs to strangers.


Your 5-step pathway to ownership

A clear, structured process with a dedicated team by your side at every stage.

Step 1 — Free Preliminary Assessment

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.

Step 2 — Credit Proposal & Document Collection

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.

Step 3 — Purchase Ready Setup Green Light

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.

Step 4 — Conditional Approval & Property Purchase

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.

Step 5 — Settlement & Equity Loan

We coordinate final settlement and structure the equity loan repayment. You get the keys. We continue supporting you through the post-settlement period.

Ready to start your journey?

Takes 3 minutes. Completely free. No obligation.


What we look at — and what it means for you

Our free preliminary assessment covers the key indicators that determine whether Community Funding is the right pathway for your circumstances.

  • Household balance (typically $250,000+)
  • Annual household income (no cap, but ideally $80k+)
  • Age (must be below preservation age — generally under 67)
  • Employment status and stability
  • Existing debts and credit history
  • Target property price range and location
  • Current savings and financial position

What happens after your assessment?

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.

How to read your credit proposal

Your credit proposal is a detailed document. Here's what the key sections mean:

1
Proposed Loan Structure Shows the total borrowing, the Community Funding contribution, and how the two sit alongside each other. Look at the combined LVR.
2
Purchase Ready Setup Amount The amount being utilised in your purchase ready setup. This is a leveraged position — what you have remains working for you.
3
Repayment Schedule Your combined monthly repayments — home loan plus equity loan. We'll show you what this looks like against your monthly income.
4
Total Cost of Funding All fees and costs associated with the program, expressed clearly so you can compare it against the cost of renting for another 5 years.
5
Next Steps & Your Rights What happens if you proceed — and what you're entitled to if you change your mind at any point. You always have the right to withdraw.

Jeff went from "not a chance" to keys in hand.

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.

$310k Balance used
11 wks From first call to keys
100% Equity retained
Jeff outside his new home
Real Result

You're not talking to a chatbot. You're talking to us.

A small, experienced team that's genuinely invested in seeing you succeed.

T

Theo

Director & Co-Founder

Built Homeowner Assist after seeing too many good people turned away by the system. Leads strategy and program design.

D

Deb

First Contact

Your first point of call. Deb handles all new inquiries, preliminary assessments, and makes sure every client feels heard from day one.

E

Elise

Program Support

Elise manages documentation, coordinates with external parties, and keeps every file moving forward on time.

H

Hadleigh

Co-Founder

Co-founded Homeowner Assist with Theo. Oversees lender relationships and the technical structure of Community Funding arrangements.


Ready to find out what's possible?

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.

Book a Call With Deb