deposit gap Solutions

Turn Deposit Barriers into Approval

with Home Affordability Solutions (HAS)

Win More Clients with Confidence

Grow Your Pipeline with SmartShare

Earn Commission. Retain Clients

Why Brokers Choose SmartShare

Watch this 3 min explainer to understand how HAS SmartShare works

Write your awesome label here.

The Structure

  • 80% Bank Mortgage
  • Buyer Contribution from 2.5%
  • HAS Second Mortgage up to 17.5%

Broker Benefits

  • Solve Clients' Biggest Hurdle
  • Close More Deals
  • Grow Your Pipeline

Client Benefits

  • Buy a home years sooner
  • Avoid $30,000+ in LMI
  • Keep repayments manageable
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 typically needs one of the following:

20% deposit upfront

Lenders Mortgage Insurance (LMI), averaging $34,000

For many buyers, the deposit ends the journey before it begins. 
The result? Lost clients, lost commissions, lost opportunities.
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 operating

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.
TESTIMONIALS

What our Brokers 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 buy sooner. I’ve referred nine this year alone and couldn’t be happier with the outcomes.”

Jenna Ienco

     

YOUR NEXT DEAL

Say yes to more clients.

Join accredited brokers, or read the full SmartShare structure first.