• Rental stress is the unyielding reality for many workers across the country.

Affordable Housing

Rental stress is the unyielding reality for many workers across the country. Affordable Housing is one solution for alleviating their financial hardship.

Understanding Affordable Housing


What is Affordable Housing?

Affordable Housing is a lesser known segment of our product offering. It is available to low to moderate income earners, who are working but may find it difficult to afford housing in the private rental market. It aims to relieve rental stress and support households that have the potential for income growth or home ownership in the medium-term.


Why does Affordable Housing exist?

Affordable Housing is designed to address the gap in the market between Social Housing and the private housing market. It is there to relieve the rental stress of key workers who do not earn enough to pay market rent in the area in which they work, but earn too much to qualify for Social Housing. The average age of SGCH’s Affordable Housing tenants is between 30 and 60. Many of these people are employed in the administrative, clerical, hospitality or community services industries.

There are many reasons why people may need Affordable Housing – a household member may have lost their job or no longer be able to work full time, or a family may experience a change of circumstances which leads to it becoming a single income household (such as a separation, divorce or death).

Affordable Housing is not offered as a long term housing solution but is designed to meet short or medium-term needs. The eligibility of Affordable Housing tenants is assessed on an annual basis.


Who is eligible for Affordable Housing?

Affordable Housing programs have different eligibility criteria. The majority of SGCH’s Affordable Housing dwellings have incentives applied to them under the National Rental Affordability Scheme (NRAS). This scheme is administered by the Federal Government and aims to increase the supply of Affordable Housing properties available to low or moderate income households.

Other housing programs may have eligibility criteria determined by state or local governments.
In general, Affordable Housing applicants must be employed and meet certain income eligibility limits. To enquire about whether you or someone else may be eligible for Affordable Housing, please contact us.


How do people apply for Affordable Housing?

Affordable Housing applicants must complete our Affordable Housing application form and select one or more areas that they would be happy to live in. If a vacancy comes up in the area identified, an SGCH staff member will contact you to provide more information and establish your eligibility.

To apply for Affordable Housing, please complete SGCH’s Affordable Housing application form and submit to SGCH.


Are there waiting lists associated with Affordable Housing?

Yes, SGCH maintains a waiting list of eligible applicants for each area of Affordable Housing supply. Applicants who meet the eligibility criteria are placed on the waiting list. Waiting lists are managed in accordance with individual program agreements, their respective polices and guidelines.


What types of accommodation are available to Affordable Housing tenants?

SGCH’s Affordable Housing stock mainly comprises new one, two or three bedroom units. These properties are located within the following Local Government Areas:

  • Bankstown
  • Campbelltown
  • Canada Bay
  • Canterbury
  • City of Sydney
  • Fairfield
  • Marrickville
  • Parramatta
  • Randwick

SGCH has committed to build more than 400 new Affordable Housing properties in the next ten years.

We are currently embarking on our first project in our Affordable Housing development program. A 46 unit complex, centrally located in the Sutherland CBD, providing a range of one, two and three bedroom units, with associated parking, resident facilities and commercial space, is soon to open.

How is rent calculated for Affordable Housing tenants?

Rent is charged and reviewed in accordance with the respective program agreements, policies and guidelines. However, in general terms Affordable Housing tenants pay rent set at 75% of the market rent of their property, and no less than 25% of their gross household income.

For more information about Affordable Housing, please refer to the Centre for Affordable Housing website or our Affordable Housing Policy.


What additional support is available to Affordable Housing tenants?

Our partnerships with support and specialist services mean that we are able to assist individuals with special or complex needs to maintain their tenancy by linking them with appropriate, professional support.

Some of the people we support include:

  • Aboriginal and Torres Strait Islanders
  • Women and families escaping domestic violence
  • People with physical disabilities or health conditions
  • Individuals with mental health issues
  • Seniors
  • Young people at risk of homelessness
  • Refugees and asylum seekers
  • People leaving the criminal justice system

SGCH endeavours to identify tenants with support needs where appropriate. We have a number of Tenancy Specialists employed to assess and assist tenants with special or complex needs. Their work involves linking tenants with appropriate support services, intervention, advocacy and case coordination to facilitate improved quality of life and sustained tenancies.

At times we all face circumstances that we can’t manage on our own. If you or someone you know is struggling at home (whether it be physically, mentally or financially), please let us know. Support services are available to all SGCH tenants if required. Our aim is to help you to sustain your tenancy.

We offer services that improve the wellbeing of our tenants.

Essentials Loans

Essentials Loans

SGCH’s Essentials Interest Free Loan Scheme is one way we can provide you with an interest free loan of up to $1,000, on fair and reasonable terms, to enable you to purchase essential household goods.

Big Day Out

Big Day Out

A free, fun family day out for all SGCH tenants during the school holidays

Entry Steps

Entry Steps

Employment and training initiatives to assist in improving employment prospects, economic independence and confidence

Rent Incentive

Rent Incentive

The opportunity to go into a draw to win a $100 grocery voucher if your rent is in advance at the end of every month.

Strive Scholarships

Strive Scholarships

Financial support and tutorial packages for primary, secondary and tertiary students and tenants pursuing creative arts and sporting endeavours.