Home Affordability Solutions

Australia’s leading solution for
Home Buyers and Investors
where a deposit is the only challenge

Welcome to a new world of home ownership!

For more than a decade, we’ve been helping everyday Australians to enter the property market in an affordable way.

Home Affordability Solutions, known as “HAS” is based on a home loan alternative used here in Australia and overseas, particularly in the UK.

In challenging times, conventional home buying models are locking out growing numbers of ordinary people.

Our product is tailored to the needs of new generations of Australians, offering families and communities an easier way to realise their home ownership dreams.


What we do

Home Loans

Break free from renting with our Low Deposit Home Loan, helping
young professionals and families achieve homeownership faster.

home loans

Investor Home Loan

Providing personalised solutions for successful property ventures, catering specifically to the needs of investors in the market.


Single Parents

Empowering single parents to overcome financial hurdles, achieve homeownership dreams with HAS home loans

single parents


Combat cost-of-living pressures with HAS Refinance Home Loans, reducing monthly payments through home loan solutions.


Yes, you can get a home loan with a low deposit!

We understand the pain of being locked out of the housing market.

After all, who wants to sit on the sidelines, saving for that elusive deposit, as property prices go on rising?

You don’t have to miss the boat. HAS home loans lets you avoid those painful years of saving and get into the property market sooner.

We are the home loan solution specialists, here to support you every step of the way. We empower you, the buyer, to secure your dream property with as little as 2.5% of your own funds.

Everyone deserves the chance to own their own home. As industry experts and market leaders, we have helped many families, professionals, and individuals to overcome the obstacles and enjoy the benefits of home ownership.

So, whether you want to buy a house, apartment, townhouse, or holiday home – owner occupied or investment – we are your first port of call.

2.5% deposit required only

Boost your deposit, with only 2.5% required. A HAS home loan helps you buy your property, sooner.

Break out of the rent cycle

Break out of the rent cycle, buy your own home. Why struggle for up to ten years, to save that hefty deposit?

No LMI Required

Save money, avoid costly lender’s mortgage insurance. Limit borrowing to 80% of property value and bypass LMI.

Who we help!

For over a decade, our team has supported hard-working Australians facing barriers in the property market, offering solutions like shared equity for single mothers and marginalized buyers.

Single Parents

HAS offers affordable home loans, easing financial burdens for single parents.


HAS provides accessible home financing solutions for those starting anew after divorce.


HAS supports migrants in achieving homeownership through tailored loan options.


HAS helps parents secure their family's future with flexible and affordable home loan options.

Young Professionals

HAS enables young professionals to enter the property market with low deposit options.

First time home buyers

HAS assists first-time buyers in purchasing their dream home with low deposit solutions.


HAS offers financial support for families seeking stability and homeownership.


HAS offers refinancing solutions, lowering mortgage payments and providing financial flexibility.


How can we help your clients?

Using HAS enables you to assist a broader range of clients in achieving their homeownership aspirations.

Your clients can benefit from a fixed interest rate of 3.25% for five years, alongside the added flexibility of a long-term solution, which offers a loan term of up to 30 years. 

A small deposit of only 2.5% is enough to secure their property, making it an appealing choice typically marginalised in the property market, such as young professionals, families, migrants, divorcees and single parents. 

With HAS, your clients can enjoy low-interest rates and a three-year establishment period in exchange for a share of capital growth. Ensuring their ability to access and sustain their position in the property market.

Frequently Asked Questions

Frequently Asked Questions

Home loan pre-approval (or conditional approval) means that a lender has agreed, in principle, to lend you money towards the purchase of your home but hasn’t proceeded to full or final approval.

A pre-approved home loan serves as a valuable instrument for prospective homebuyers, as it provides insight into the affordable amount for purchasing a property and allows you to look with confidence.

This makes you an ideal candidate for HAS. You must prove your serviceability for the home loan, to ensure you meet future repayments.

If so, you are eligible to buy a property with as little as 2.5% deposit. This is radically different to conventional home loans, requiring a minimum 20% deposit.

Using traditional home loan applications, it’s a big ask! We’re delighted to offer you another way – HAS.

All you need is a micro deposit of 2.5% (not 20%), and an investor willing to invest in a registered property trust. You must also demonstrate your ability to service the home loan.


What our customers are saying

“We cannot thank you enough for your kindness, understanding and commitment to getting us across the line. You have made our dream of building our own home a reality and we are SO grateful to you. Highly recommend HAS, people who genuinely care for you and treat you as an individual and not a number. Highly recommend these guys, you won’t regret it. Thank you so much ”


“Finally the problem is solved! – as a realestate and credit licensee I have seen so many home buyers forced into high rates, large upfront lenders mortgage insurance premiums plus other hardships like forcing parents to tie up their home to help their children — Home Affordability Solutions provides a real alternative and makes purchasing a home possible AND affordable, at a time when buyers – young and old – are finding it hard. Peter and his team have a responsible approach, unlike so many spruikers in this space – and genuinely have the clients interests at heart.”


“The Team @ HAS has been great, a very positive experience. They presented the most suitable options available in the market and were instrumental in reaching the goal. Their industry knowledge and caring approach is amazing, I highly recommend their services.”


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