What to Look For
When buying a home, consider both current and future accessibility needs. It's often easier and more cost-effective to buy a property with good "bones" for accessibility than to extensively modify an unsuitable property.
Ideal features:
- Single-story or space for ground floor bedroom/bathroom
- Wide hallways and doorways
- Open-plan living areas
- Level or easily ramped entry
- Large bathroom that can accommodate modifications
- Parking close to entrance
- Flat, manageable outdoor areas
- Room for future additions
Red flags:
- Narrow doorways throughout
- Multiple level changes
- Small, enclosed rooms
- Steep site with extensive stairs
- Limited modification potential
Pre-Purchase Inspections
Beyond a standard building inspection, consider an accessibility assessment before purchasing. An occupational therapist or access consultant can:
- Identify existing accessibility features
- Assess modification potential
- Estimate modification costs
- Identify structural limitations
- Review compliance with standards
- Provide written report for decision-making
This investment ($500-$1,500) can save tens of thousands in unexpected modification costs.
Budgeting for Modifications
Factor modification costs into your home purchase budget. Even a "perfect" accessible home may need personalization.
Typical modification costs:
- Minor modifications: $5,000-$15,000
- Bathroom renovation: $25,000-$50,000
- Kitchen modification: $20,000-$40,000
- Ramps and pathways: $5,000-$20,000
- Complete ground floor conversion: $80,000-$150,000+
Some modifications may be funded through NDIS, My Aged Care, or other programs, but plan for some out-of-pocket expenses.
Finance Considerations
Some lenders offer specialized home loans for people with disability:
- Higher loan amounts for modifications
- Mortgage offsets for NDIS funding
- Flexible serviceability assessments
- Consideration of disability support payments
Consult a mortgage broker familiar with disability circumstances for best options.