deposit gap Solutions

Turn “Not Enough Deposit” into “Approved”

with Home Affordability Solutions (HAS)

Say “Yes” to More Clients

Grow Your Pipeline with a Unique Solution

Earn Commission and Retain Clients for the Long Term

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Write your awesome label here.

Every week, you meet clients who can comfortably afford repayments. Their income is stable, their credit is fine, and they’re motivated to buy.

But there’s one hurdle that stops the deal dead: the deposit.

In Australia, a buyer needs:

20% deposit upfront, or

To pay Lenders Mortgage Insurance (LMI), which averages $34,000

For many aspiring buyers, that’s game over. They walk away disappointed. You walk away empty-handed.

The result? Lost clients, lost commissions, lost opportunities.

How HAS Works (and Why Brokers Love It)

Watch this 3 min explainer to understand how HAS SmartShare works

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The Structure

  • First mortgage: 80% from the bank
  • Buyer contribution: As little as 2.5%
  • HAS second mortgage: Up to 17.5% bridging the gap

The Benefits for You

  • Close deals that would otherwise fall through
  • Build loyalty by solving your clients’ biggest hurdle
  • Grow your pipeline by serving a broader market

The Benefits for Your Clients

  • Buy a home years sooner
  • Avoid $30,000+ in LMI
  • Keep repayments manageable
WHY HAS EXIST

Empowering Brokers to Do More

We believe the deposit hurdle is locking too many capable buyers out of the market. Brokers are the key to fixing that. HAS was built to give you a powerful, practical way to say “yes” to more clients, without asking them to wait years or drain their savings.

Clients helped

Brokers accredited

years in business
“HAS is an excellent solution for clients with strong incomes but struggling to save a deposit. It’s helped several of my clients get into their homes sooner — I’ve referred nine this year alone and couldn’t be happier with the outcomes.”

Jenna Lenco

Become a HAS Accredited Broker Today

With HAS, you’ll never have to turn away a client simply because they don’t have 20% deposit.

1. Assess the client’s serviceability 

2. Confirm they have at least 2.5% + costs

HAS steps in to bridge the gap.

That’s it. You keep control of the client relationship — and you get more deals across the line.

Reviews

What other Broker say about us

"HAS helped me not only get my own home but also help clients who were stuck because of deposit hurdles. It’s a genuine, compliant solution every broker should understand."

Trevor Richmond

     
“HAS is an excellent solution for clients with strong incomes but struggling to save a deposit. It’s helped several of my clients get into their homes sooner — I’ve referred nine this year alone and couldn’t be happier with the outcomes.”

Jenna Lenco

     
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