Grace Mutual

The Challenge

The lack of affordable housing is widely acknowledged as one of the key social issues facing Australia today.

The Commonwealth and State Governments are most concerned about the lack of available and affordable housing, and the financial and social stress that this is causing. Their response has been a number of incentives to increase the stock of available housing and slow the growth in housing prices and rent, primarily through the granting of rent subsidies and land.

Although the National Rental Affordability Scheme (NRAS) is widely seen as successful in creating new homes, it has so far failed to attract institutional investment to the sector.

Grace Mutual is committed to developing wholesale funding solutions for affordable housing providers working in partnership with government, not for profit organisations, investors and financial intermediaries.

Our Response

Grace Mutual has designed financing mechanisms to maximise the efficiency of each of the streams of revenue, enabling housing groups to build sustainable portfolios of affordable housing.


Community Housing Limited – “The product was a great opportunity to enhance the value of our existing NRAS incentives and will enable us to deliver more outcomes in the future.”
Matthew Sweeney (CFO)

BlueCHP Limited – “Grace Mutual has offered BlueCHP an innovative funding mechanism that has enabled us to maximise the value of our NRAS incentives. This product will over time enable BlueCHP to build more affordable homes in the future.”
Charles Northcote (CEO)