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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 shared equity lets you avoid those painful years of saving and get into the property market sooner. 

We are the shared equity 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.

affordable home loan for family

What is shared equity?

Shared equity offers small deposit home loans to a wide range of property buyers. 

A home loan with low deposit means you can buy a home with a deposit as small as 2.5%. A sponsor/investor places funds into a registered property trust, and you share the property growth with property trust members.

You own 100% of the property, which is in your name. Shared equity improves your deposit.HAS shared equity is used to boost your deposit by up to 20%. Shared equity improves serviceability.

You limit your borrowing to 80% of the property value, avoiding expensive lender’s mortgage insurance.

Who is the investor?

Investors can be a parent, family member, friend, SMSF or community group. Several people can pool their funds. It’s a flexible way to open up property ownership to people who couldn’t otherwise afford it.

Who we help.

For more than a decade, our specialist team has been helping hard-working Australians to navigate an increasingly challenging property market.

We know it’s not easy. That’s why we’ve made an extra effort to assist would-be buyers who are locked out or feel that the traditional home-buying process discriminates against them. Single mother home loans, and low deposit home loans for first home buyers, can be hard to access. 

With HAS shared equity, we can facilitate home loans for single mothers, along with many others who feel marginalised, and unable to get a conventional deposit together.

Here are some of the people we regularly help.

– Single parents seeking future security.

– Divorcees trying to rebuild their lives.

– Migrants wanting to lay down roots.

– Parents helping children buy a home.

– Young professionals keen to get ahead.

– First home buyers trying to get a foothold.

– Families looking for their forever home.

Are you after that perfect property? Ask us how HAS shared equity can work for you!

Benefits of shared equity

2.5% deposit required only.

Boost your deposit, with only 2.5% required. A HAS shared equity 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.

About us

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.

Our HAS shared equity solution 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.

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Customer satisfaction

"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.”
“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.”
“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 ”

Are you eligible?

How can HAS shared equity work for you? Test your eligibility. Start your journey today!

check your eligibility with HAS