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The 1090 Occupancy Guarantee

10 percent deposit. No repayments until your property is occupied. No construction risk. No vacancy risk. Built in established Melbourne Metropolitan areas only.

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Here is exactly how it works

Every property in the House Hunters Hub 1090 program comes with an occupancy guarantee that eliminates the two risks investors fear most.
You pay 10 percent of the purchase price as your deposit. The balance is paid on completion of construction. From the moment you sign — until we secure occupancy for your specific dwelling type — you make no loan repayments.
Not reduced repayments. Not interest-only arrangements. No repayments at all.
The occupancy threshold that triggers repayments depends on which dwelling type you invest in.

The guarantee by property type

Rooming Houses — 75% Occupancy Minimum

For 5-bedroom and 9-bedroom rooming houses, loan repayments do not begin until a minimum of 75 percent of rooms are occupied under active individual leases.

  • On a 5-bedroom rooming house, that means 4 rooms tenanted before your first repayment.
  • On a 9-bedroom rooming house, that means 7 rooms tenanted before your first repayment.

Melbourne’s rental vacancy rate is near record lows. Quality rooming accommodation in established Melbourne Metropolitan suburbs is in extreme demand from working professionals, students and key workers. Reaching 75 percent occupancy in these locations is not a stretch — it is an expectation backed by genuine market data.

RETURNS: 9 to 12 percent annually

DEPOSIT: 10 percent

REPAYMENTS BEGIN: After 75% occupancy secured

Dual Key Homes —
100% Occupancy

Both dwellings must be tenanted before loan repayments begin. Not one. Both.
This is the most conservative occupancy guarantee in the program — and it reflects the confidence our developer partners have in placing tenants in established Melbourne Metropolitan suburbs. A dual key property in an area with proven rental demand and zero vacant land does not sit empty.

Our ecosystem includes registered property management partners who actively source tenants for each dwelling from the moment construction is complete.

RETURNS: 7 to 9 percent annually

DEPOSIT: 10 percent

REPAYMENTS BEGIN: After 100% occupancy — both dwellings tenanted

Triple Key Homes —
100% Occupancy

All three dwellings must be tenanted before loan repayments begin.
Triple key properties deliver the highest yield in our non-SDA product range — three independent income streams from a single Melbourne Metropolitan site. The same occupancy guarantee applies. All three units tenanted before your first repayment.

RETURNS: 8 to 10 percent annually

DEPOSIT: 10 percent

REPAYMENTS BEGIN: After 100% occupancy — all three dwellings tenanted

NDIS SDA Homes —
First Participant Placed

For Specialist Disability Accommodation, loan repayments begin after the first NDIS participant is placed in your property by a registered NDIS provider.
This is possible because our registered NDIS provider partners are part of the investment process from day one. Before a site is recommended to any investor, our providers confirm that unmet participant demand exists in that specific location.

Victoria currently has over 2,000 NDIS participants with government funding approved and waiting for suitable housing. In established Melbourne Metropolitan suburbs — where our developer partners build exclusively — securing the first participant placement is a function of doing the groundwork correctly, which our ecosystem does before construction begins.

RETURNS: 12 to 15 percent annually — government backed

DEPOSIT: 10 percent

REPAYMENTS BEGIN: After first NDIS participant placed by registered provider

WHY WE CAN GUARANTEE IT

Why we can make this guarantee when nobody else does

The occupancy guarantee is not marketing. It is a structural commitment backed by a deliberate development model.

Our developer partners follow one rule that makes all of this possible.

They purchase land exclusively in established Melbourne Metropolitan areas.

No greenfield estates. No regional sites. No outer suburban growth corridors.

In established Melbourne Metro suburbs, there is no vacant land. Our developers purchase existing properties on blocks large enough to support two high-performance dwellings. They subdivide the land and deliver a knock-down rebuild — two or more purpose-built homes on a single Melbourne Metropolitan site.

The result is a property in a suburb that already has:

  • Proven rental demand from existing tenant populations
  • Established infrastructure including transport, healthcare and services
  • No competing supply of new vacant land or greenfield estates
  • Capital growth history tracking the established Melbourne market

This is precisely why we can guarantee occupancy. We would not offer it if the locations did not support it.

It is also why our SDA properties do not face the oversupply risk emerging in locations like Tarneit, Truganina and Werribee — where high volumes of SDA development have outpaced participant demand, leading to extended vacancies for investors who did not have a provider-first model behind their purchase.

INVESTOR ADVANTAGES

What this means for you as an investor

NO CONSTRUCTION RISK

You are not taking a gamble on a project timeline or cost blowout. Our developer partners have delivered these projects consistently. You pay 10 percent and wait for completion. The occupancy guarantee begins from there.

NO VACANCY RISK

The guarantee means you are not servicing a loan on an empty property. The most common investor nightmare — a completed property sitting vacant — does not apply to 1090 program investments.

CAPITAL GROWTH IN LINE WITH MELBOURNE METRO

Because every property is built in an established Melbourne Metropolitan suburb, capital growth tracks the established Melbourne market — not the greenfield or regional market, which historically underperforms established Metro over the long term.

SDA LONG-TERM SECURITY

For SDA investors, established Melbourne Metro positioning protects against the oversupply risk affecting outer Melbourne and regional SDA markets. Established suburbs cannot be flooded with new SDA supply because there is no vacant land available to build on.

GOVERNMENT-BACKED INCOME FOR SDA

SDA rental income is paid directly by the Federal Government under NDIS legislation. It does not move with interest rates, market sentiment or tenant behaviour. It is legislated, consistent and backed by a 20-year government funding commitment.

SMSF COMPATIBLE

Every product in the 1090 program — SDA, dual key, triple key and rooming houses — can be structured inside a self-managed super fund. Our specialist mortgage brokers have structured SMSF finance for these exact asset classes and guide investors through the process from the first conversation.

SMSF investors — this is built for you

The 1090 program is particularly well suited to self-managed super fund trustees.
Government-backed SDA income of 12 to 15 percent annually inside your superannuation — with no loan repayments until occupancy is secured — represents one of the most compelling retirement wealth strategies available to Australians today.
Dual key and rooming house returns of 7 to 12 percent, structured inside an SMSF with a 10 percent deposit and occupancy protection, deliver exceptional risk-adjusted returns compared to standard SMSF property investment.
Our specialist mortgage brokers structure SMSF finance specifically for these products. You do not need to navigate that complexity alone.

Book a Free SMSF Strategy Call

How the process works — from first call to first rental payment

We understand your investment goals, financial position, SMSF structure if applicable, and which 1090 program product suits your situation. No obligation.

Our developer partners identify available 1090 program sites in established Melbourne Metropolitan areas. Our NDIS provider partners confirm participant demand for SDA sites. You receive a clear investment proposal.

Our specialist mortgage brokers structure your finance — whether personal investment lending or SMSF — specifically for your chosen product.

You pay 10 percent of the purchase price. Balance payable on completion. The occupancy guarantee is documented in your agreements.

Our developer and builder partners manage construction on established Melbourne Metropolitan land. Knock-down rebuild on subdivided block. Regular updates throughout. No action required from you.

Our property management and NDIS provider partners secure occupancy to the guaranteed threshold. Repayments begin. Rental income flows.

Professional management of your investment handled within our ecosystem. You receive rental income and hold a high-performing Melbourne Metropolitan asset.
Book a Free SMSF Strategy Call

Ready to understand exactly how
this works for your situation?

Book a free 30-minute strategy call with Nerik Isaac.

We will walk through the specific 1090 program products available right now, the guarantee structure that applies to each, and whether your investment goals and financial position are a fit.

No obligation. No pressure.

Book a Free Strategy Call. Or Or call Nerik directly on- 0425 745 641.
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Disclaimer:
Returns referenced are estimates based on current market data and government SDA pricing. Individual results will vary. This website does not constitute financial advice. Please seek independent financial and legal advice before making investment decisions.

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