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.
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.
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 explain when it doesn't fit.
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 uses your existing assets as structural leverage alongside a traditional home loan. 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, 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.
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.
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 licensed 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 information session 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 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.
Speak to our team
Leads the business and the partner network. Theo does not provide financial advice, credit advice, or property buying services.
Co-leads partnerships and the technical structure of the Program with our licensed partners.
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.
Elise coordinates document collection and partner liaison through the process.
Fourteen unedited messages — verified Google reviews plus a couple of personal notes — from clients who took a chat and saw 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.
Wow! What a great service. Theo and Hadleigh were great to deal with — from clicking a Facebook ad to owning our very own home was a seamless process and I highly recommend!!
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 to help us find our home and secure a loan, 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 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.