Turn “Not Enough Deposit” into “Approved”
with Home Affordability Solutions (HAS)
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)
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.

“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.