Affordable Housing Bond Aggregator (AHBA) loans

A new loan solution for community housing providers

To help provide better solutions for registered community housing providers, NHFIC operates an Affordable Housing Bond Aggregator (AHBA).

The AHBA aims to provide cheaper and longer-term secured loan finance for community housing by issuing bonds in capital markets.

Who can apply?

The AHBA welcomes proposals from registered community housing providers.

Need more information?

If you are interested in applying for an AHBA loan, first read the AHBA Guidelines to find out more about the application process, terms and conditions.

Pacific Capital Advisers Pty Limited has been engaged to assist with the provision of origination service assistance during the NHFIC’s establishment phase. In particular, Pacific Capital has been engaged to respond to Expressions of Interest (EOI) submitted to NHFIC, as well as to provide information on NHFIC products. The NHFIC’s internal origination team and Pacific Capital will assist potential NHFIC clients with developing their application for NHFIC consideration.

View the AHBA Guidelines here.

Or if you have further questions refer to our Frequently Asked Questions.

View the FAQs here.

Ready to enquire? 

Complete the following eligibility checklist.  Once complete, you will be instructed to complete the full online expression of interest form.

Eligibiliy Checklist









Social Bond

NHFIC’s first issuance will be a social bond. In issuing this style of instrument NHFIC aims to:

  • support its mandate to help low income and vulnerable Australians access affordable housing. Investing in NHFIC social bonds provides investors with the unique opportunity to be a part of the solution to the housing crisis faced by these Australians
  • highlight the acute shortage of affordable housing in Australia in an effort to attract more attention to the issue 
  • encourage investors to support the development of the sustainability and social bond markets in Australia.

NHFIC has developed a Social Bond Framework aligning with the UN Sustainable Development Goals (“SDGs”) and the International Capital Market Association’s Social Bond Principles 2018 (“SBPs”). NHFIC intends to expand the Framework to cover issuance of Sustainability and/or Green bonds in the future. The Framework governs:

  • the use of proceeds of bond issuance,
  • the process for evaluation and selection of assets financed or refinanced by the issue,
  • the management of the proceeds of the issue, and
  • the form of reporting NHFIC will undertake.

View the Sustainability Bond Framework here.

NHFIC aims to follow best market practise by submitting the Framework and its processes to external review.

  • Ernst & Young has provided pre-issuance assurance confirming the intended social bond issuance will be in compliance with the Framework and that the Framework and nominated assets for the bonds meet the identification, management of proceeds and reporting principles of the SBPs.
  • NHFIC intends to commission external assurance within 12 months.

View the Pre-issuance Assurance Statement here.