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FAQ

wondering about home loan solutions

When someone buys a home with HAS shared equity, they need a sponsor to place funds in the residential property trust. 

If that’s you, you can be reassured you are investing in a registered trust, bound by full financial regulatory compliance. Your risk is spread, because you are effectively investing in all the properties within that trust, not just the property being purchased. 

You also get a regular return on your investment.

Anyone can be a sponsor, including the person buying the property. This includes family members or groups, friends, local organisations and SMSFs. Parents can invest without having to give a parental guarantee. 

Your HAS will always insist that the sponsor has a financial advisor to support your investment decision.

This makes you an ideal candidate for HAS shared equity. 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.

Your HAS shared equity is a great way to help your children onto the property ladder. As parents, you can invest in the property trust, with mitigated risk and regular returns, and your money is separated from your child.

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

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

Sponsors have a three years minimum investment term. When that is reached, you have the option of remaining, refinancing or exiting. 


Yes, you can. If you are eligible for the First Homeowner Grant or stamp duty concessions, you can use these to contribute to your 2.5% deposit.

Are you eligible?

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

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