We built SmartShare around one simple belief: your income should be enough to own a home.
“I was raising three kids on a teacher's salary. One income, no savings, no path to a deposit. The lender had no interest in what I could afford month to month, only in what I'd already put away.”
“We needed a bigger home for our growing family. But saving a deposit while getting our old place ready to rent meant two targets, one income. The 20% mark was always just out of reach.”
“I'd been working in Australia for fifteen years. When I finally got permanent residency, a broker told me to save $50,000 and come back. By then, I knew, the window would have closed.”
SmartShare wasn’t created in a boardroom. It grew from conversations about one of Australia’s biggest challenges: housing affordability.
After being approached by government representatives to explore better access to home ownership, we identified three recurring barriers for capable first-home buyers:
We couldn’t find a single market solution that addressed all three challenges together. So we built one.
SmartShare combines a lower deposit pathway, a structured shared equity arrangement and an initial payment support period, giving eligible borrowers a practical pathway into home ownership.
“The challenge wasn’t affordability.PETER DELANEY, FOUNDER
It was building the structure to help people get there.”
We built SmartShare from scratch: stress-tested legally, financially and practically. Ten years later, across hundreds of households, there have been zero losses. Not because we’re lucky. Because the structure works.
Mortgage professionals, financial specialists, and distribution experts brought together by the same frustration. Too many capable buyers were turned away. Not because of their income. Because of a gap in the system.
A practical path to homeownership, created around real-life circumstances.