Supporting financial resilience

This year SEFA has provided loan facilities to Habitat for Humanity in three states – Victoria, NSW and SA. The access to finance will grow and support much needed home ownership across disadvantaged communities by increasing the pace of construction.

Our relationship with the three states has deepened our understanding of different Habitat operating models, and has helped us to structure loans that provide appropriate financial flexibility and create financial resilience. The Habitat for Humanity Victoria loan was funded by the Affordable Housing Fund, a co-venture between Lord Mayor’s Charitable Foundation and SEFA.


Habitat for Humanity is an international network of legally and financially independent affiliates with strong community, corporate and philanthropic support that help them achieve their mission to address inter-generational poverty through social home ownership. Each affiliate manages a slightly different business model, driven by different state government support and organisational preferences.

SEFA is a strong advocate of mission driven organisations becoming less dependent on government grants and philanthropy. All three  loans were tailored to suit each affiliate’s different business model, and will help to strengthen organisational and financial ability of each affiliate to fast-track their social impact and housing outcomes.


Ben Sarre, Executive Director, Habitat for Humanity SA,”SEFA took the time to understand our business, its mission and the people we aim to serve. SEFA structured a loan facility that works well for us and enables us to provide affordable home ownership opportunities for low income South Australian families in need”

Dick Boddeus, SEFA Relationship Manager says, “It’s a pleasure to work with Habitat for Humanity in different states. Knowing that they are helping break the inter-generational cycle of poverty is one of the most impactful things we can do. To create that kind of impact is an absolute privilege. But it’s also about moving in the right direction to help them become more financially self-reliant.”


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