Education and Coordination

A structured pathway to homeownership, explained plainly.

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.

Education-led
Licensed partner network
No obligation, no sales pressure
Jeff and family in their new home

Most Australians only know about two pathways. There's a third — and it isn't for everyone.

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.

This pathway is only relevant for a specific cohort: Australians with existing long-term retirement savings, stable income, and the financial position to support an additional structured arrangement. If that's not you, we'll tell you plainly and point you to a pathway that fits better — including government schemes and traditional saving.

Educate

We explain how the Community Funding Program works in plain English, so you can decide whether to explore it with a licensed adviser.

Coordinate

We coordinate the licensed credit, legal, and administration partners who run each stage of the pathway. We don't run the stages ourselves.

Administer

We handle the document collection, scheduling, and partner hand-offs so nothing falls through the cracks.


Three pathways to your first home.

Most people only know about two. We educate Australians on the third — and explain when it doesn't fit.

Traditional

Traditional Save & Bank Loan

The default path. Save a deposit (commonly 5%–20%), apply through a bank, buy a property.

  • Typical deposit: 5% with LMI, or 20% without
  • Saving timeframes vary widely
  • Widely understood, well-regulated process
  • Full ownership of the property from day one
Government Schemes

Government Schemes

A range of government-supported pathways including the Help to Buy scheme, the Home Guarantee Scheme (5% deposit), and First Home Super Saver Scheme.

  • Eligibility criteria including income caps and property price caps
  • Some schemes involve government holding an equity stake
  • Suitable for many first-home buyers
  • See housing.gov.au for current details

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

What the Community Funding Program actually involves.

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, allowing eligible Australians to access property ownership using their existing long-term retirement savings as part of the structural arrangement. It involves licensed credit, may involve licensed financial advice, and has costs, risks, and obligations that must be fully understood before proceeding.

1
Free Preliminary Information Session Deb walks you through how the Program works and explains the eligibility criteria. We collect basic contact details only. No financial advice is given at this stage.
2
Introduction to Licensed Partners If the Program looks relevant to your circumstances, we introduce you to our licensed credit partner. They prepare any credit assessment under their Australian Credit Licence.
3
Licensed Credit and Financial Review The licensed partners undertake their own assessments and provide you with their own credit proposal and (where applicable) financial advice documentation. Homeowner Assist plays no role in these assessments.
4
Coordination and Documentation Once the licensed partners have completed their work and you have decided to proceed, we coordinate document collection and partner liaison through to settlement.
5
Settlement and Ongoing Administration We coordinate with the licensed lender, the legal partner, and the administration partner through to settlement and post-settlement.

What Homeowner Assist does — and what we leave to the licensed experts.

What we do
  1. Plain-English education about the Community Funding Program structure
  2. Introductions to licensed credit, financial, and legal partners
  3. Document coordination between you and the licensed partners
  4. Scheduling and partner liaison through the process
  5. Administrative project management from first conversation to settlement
  6. Post-settlement coordination for any ongoing administration
What we don't do
  • We do not provide financial product advice
  • We do not provide credit advice or credit assistance
  • We do not act as a buyer's agent or real estate agent
  • We do not recommend specific specific retirement savings strategies
  • We do not recommend specific properties
  • We do not prepare credit proposals (our licensed credit partner does)
  • We do not prepare statements of advice (the licensed financial adviser, if any, does)
  • We do not hold an AFSL, ACL, or real estate agent's licence

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.


Your 5-step pathway to ownership

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

Step 1 — Free Preliminary Information Session

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 licensed 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 information session 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's pathway — a worked example.

Jeff approached Homeowner Assist after being declined by two major banks for a traditional home loan due to insufficient deposit. His circumstances — including his existing long-term retirement savings — meant the Community Funding Program may be relevant. We introduced him to our licensed credit partner, who undertook their own credit assessment and prepared a credit proposal under their 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.

Book a Call With Deb
Jeff outside his new home
Real Result

Small team. Clear roles.

T

Theo

Director and Co-Founder

Leads the business and the partner network. Theo does not provide financial advice, credit advice, or property buying services.

H

Hadleigh

Co-Founder

Co-leads partnerships and the technical structure of the Program with our licensed partners.

D

Deb

Program Coordinator — First Conversations

Deb is your first point of contact. She explains how the Program works, answers questions, and arranges introductions to our licensed partners. Deb does not provide financial or credit advice.

E

Elise

Program Coordinator — Document and Process

Elise coordinates document collection and partner liaison through the process.


Want to learn more?

A 10-minute call with Deb is a plain-English explanation of how the Program works and whether it might suit your circumstances. No advice. No pressure. No obligation. We will tell you plainly if the Program does not suit you.