Your Path to Homeownership Starts Here

Turn dreams into reality with our deposit boost solutions, guiding you on the path to homeownership.

Stop Struggling, Start Living

It’s tough for young professionals to get a foothold in the property market. Whether still living with parents, or paying high rents to a landlord, it can take years to raise a deposit.

Low deposit home loans for first home buyers are the answer. With HAS, low deposit first home buyers can break out of the home or rent trap and secure their financial future.

HAS can help families, professionals and single parent first home buyers to skip a decade of saving and achieve their dream of property ownership – right now.


High deposit requirements pose a hurdle for homebuyers. Traditional lenders often demand around 20%, challenging those with limited savings.


High property prices in Sydney and Melbourne present significant challenges for homebuyers, particularly first-time purchasers.


Higher interest rates increase the difficulty of servicing loans, potentially straining borrowers’ ability to manage mortgage payments.

Aspiring Home Buyers: Understanding Our Low Deposit Solution for Home Buyers

Experience the journey to homeownership with our streamlined home loan process.

Explore tailored options for home buyers with as little as a 2.5% LVR deposit and the support of an investor. By connecting with an accredited HAS broker for expert guidance, you can apply for up to 80%LVR finance with a first lender and HAS can boost your initial deposit up to 20% and avoid Lenders Mortgage Insurance.

Once conditionally approved, find your dream home and proceed to formal approval. You can now prepare to move into your new home!

Attain your homeownership objective with a low-interest with HAS, in return for a share of capital growth. We’re committed to supporting you throughout the journey.







Ready to buy your home

You are ready to embark on the journey of home ownership or investment.

Have a 2.5% deposit + investor support

You have saved a 2.5% LVR deposit and have an investor supporting your home purchase.

Talk to a HAS accredited broker.

To access our deposit boost solution, connect with an accredited HAS broker.

Apply for finance, avoiding LMI.

With broker support, apply for 80%LVR finance with one of our first lenders in conjunction with HAS, to bypass LMI

Find your ideal home

Once you’ve obtained conditional approval, it’s time to find the home you want to buy.

Receive formal approval!

Formal approval secured! It’s time to celebrate and start packing for your new home.

Everyone WINS – Our homebuyer enters the property market without LMI,
while investors earn returns on a property portfolio with minimised risk.

Unlocking Dreams: Making Homeownership a Reality with Our Innovative Loan Solutions

After obtaining a loan with us, clients often feel a profound mix of relief and gratitude. Once uncertain if homeownership was attainable, they now feel hopeful and appreciative. With our innovative product offerings and the expert guidance of our accredited brokers, they’ve navigated through hurdles they once thought insurmountable.

The realization that owning a home is possible fills them with a newfound sense of security and optimism. It’s heartening to know that we’ve played a significant role in turning their dream into reality, providing them with the keys to unlock the doors to their future.

Own Your Future

Owning your own home provides stability, security, and a sense of pride, offering a place to call yours.

Equity Empowerment

Building equity in your home increases wealth, financial security, and provides a valuable asset for future opportunities and stability.

Breaking Free

Securing your own home offers stability, financial growth, personalisation, and pride, ensuring a secure future and valuable investment.

Why Choose Us

Choose us for innovative home financing. Enjoy low deposits, no LMI, competitive fixed rates, and flexible 30-year terms.

2.5% Deposit, NO LMI

Unlock homeownership with just 2.5% deposit and no LMI fees. Affordable paths to owning a home

3.25% IO Fixed 5 years

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

Up to 30-Year Loan Terms

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


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.”


Frequently Asked Questions

Frequently Asked Questions

To be eligible for a home loan, you will need to demonstrate the ability to manage two mortgage repayments, have a 2.5% deposit, investor support and a good credit score.

We can connect you with our network of accredited brokers who can assist you with your home loan requirements.

HAS is open to Australians, including first-time homebuyers, investors, NDIS and those re-entering the housing market.

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