Leaders in Co-Living / Rooming Lending
Our lending products are designed to assist investors in financing their purpose-built co-living properties (Class 1b building).
Offset Facility Included
Established purchase, refinances and construction at competitive rates
For every loan settled by WLTH, we will empower and assist Parley for the Oceans to clean up 50m² of Australian beach and coastline.
Comparison Rates from
8.06%*
Offset Facility Included
Established purchase, refinances and construction at competitive rates
For every loan settled by WLTH, we will empower and assist Parley for the Oceans to clean up 50m² of Australian beach and coastline.
Comparison Rates from
8.06%*
Leaders in Co-Living / Rooming Lending
Our lending products are designed to assist investors in financing their co-living / rooming properties.
Recognised
and Featured in
3
Approval and
Settlement
After approval, WLTH will guide you through the final steps toward settlement.
2
Personalised Consult
and Loan Application
Work with a WLTH co-living finance specialist to tailor the ideal loan solution and guide you through the application. We’ll help you prepare and submit your loan application, making the process as smooth as possible.
1
Initial Inquiry
and Assessment
Start by reaching out to our team and discussing your goals. We’ll review your co-living investment plans and assess your financial situation to identify the right loan options for you.
Secure a Co-Living / Rooming loan in 3 Simple Steps.
MODERN HOUSING SOLUTIONS
A Class 1b building, specifically in the context of rooming accommodation, is a type of dwelling used for shared living, usually with individual rooms rented out to multiple people. Co-Living property is not a boarding house. These buildings are often designed with common areas like kitchens and laundry facilities, while each resident has their own semi-self-contained room with a bathroom and potentially a kitchenette.
Key characteristics of Class 1b rooming accommodation:
Shared living:
Multiple individuals rent rooms within the same building, sharing common areas.
Semi-self-contained rooms:
Rooms may include a private bedroom, living area, bathroom, kitchenette, and a lockable door.
Higher rental yields:
Rooming houses can offer higher rental yields compared to traditional single-family rentals.
What is Co-Living / Rooming?
SMART RETURNS, STRONG DEMAND
Co-living properties offer investors and SMSF trustees stronger rental returns through multiple income streams in a single dwelling. With consistent demand from young professionals, essential staff, and remote workers, these homes stay well-tenanted and generate reliable cash flow.
Purpose-built or carefully converted, each property balances private suites with shared spaces—maximising tenant satisfaction and rental potential. Even with tenant turnover, income remains steady, making co-living a smart and scalable choice for future-focused portfolios.
As the housing market evolves, and we work to solve the housing-affordability crisis, co-living stands out as a forward-thinking investment model that meets the needs of today’s renters. It’s not just about higher returns—it’s about offering flexible, community-driven housing in high-demand areas. With the right finance partner, co-living can become a powerful addition to any property portfolio or SMSF strategy.
Why Invest in Co-Living Properties?
In collaboration with Parley, we are changing the lending experience and making a difference. For every home loan that is settled, WLTH will assist and empower Parley teams to cleanup 50m² of a beach or coastline throughout Australia and around the world. Be part of the change you want to see in the world.
© 2025 WLTH Pty Ltd All Rights Reserved.
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Quoted Variable Rate available for Investment purposes paying Principal and Interest repayments up to a 60% LVR for up to a $2m loan amount with Residential security in a Metro location. Full lending terms and restrictions apply.
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The comparison rate is based on a loan of $150,000 over a term of 25 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
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Other fees and charges may apply
Australian Financial Services Licence No. 525 752
Australian Credit Licence No. 525 752
