Check if I qualify
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Check if I qualify
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It's not your income. It's your deposit.

You're earning. The 20% target keeps moving. SmartShare gets you in with 2.5%, title in your name.

Check if I qualify
01How SmartShare works

Three parties. One home. 100% yours.

SmartShare isn't co-ownership. It's a second mortgage held by HAS, meaning the title is registered in your name from day one. Here's the structure.

You
2.5%
Can come from savings, a gift, inheritance, or a bonus. Genuine savings not required.
HAS SmartShare
17.5%
Interest-only with a fixed 5-year term. HAS covers repayments for the first 3 years.
Your first lender
80%
Standard 80% LVR with no LMI, potentially saving you $10,000-$30,000+.
Combined 20% deposit → No Lenders Mortgage Insurance (LMI). Title 100% in your name. Start building equity today.
02Common questions

The things people ask before they say yes.

We'd rather you ask than wonder. Here are the three questions we hear most from first home buyers.

Question 01
“Is the home actually mine?”
The title is registered 100% in your name from the day you settle. HAS holds a second mortgage, not ownership. You make the decisions.
Question 02
“What do I pay back?”
You repay the balance of your HAS loan, plus HAS's agreed share of the property's capital growth at the time you sell or refinance. You keep the rest.
Question 03
“What’s the catch?”
We understand why people ask that. Helping Australians into homeownership since 2016. Transparent. Proven. Second mortgage only. We only succeed when you do.
03Client story

Real people. Real results.

Helping Australians build equity sooner.

“
★★★★★

I had the income,but not the deposit. Three years later, I was in a stronger financial position and grew my deposit into equity.

First Home Buyer · Victoria
PURCHASED WITH SMARTSHARE
STARTED WITH
$17,400
Purchased a $470,000 home with HAS
EQUITY AFTER 3 YEARS
$193,000
After repaying the first home loan and HAS facility.
04Faq

Quick questions.

How do I get started?

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The best first step is to check whether you may be eligible before you commit to a property. You can speak directly with your mortgage broker, or contact HAS to source an accredited broker, to review your scenario. There are over 500 brokers accredited with HAS Australia-wide.

Does my 2.5% contribution need to be genuine savings?

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No. It may come from a family gift, inheritance, sale of assets, an employer bonus, or similar sources. The source will still need to be verified and accepted.

Do I need more than 2.5%?

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Yes. The 2.5% is your deposit contribution, calculated as 2.5% of the property's purchase price. You'll also need to budget for purchase costs such as stamp duty (where applicable), conveyancing and legal fees, independent legal advice (required for every HAS loan), building and pest inspections, insurance, and moving costs.

Can I use first home buyer grants or stamp duty concessions with HAS?

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Yes, if you qualify. HAS can generally be used alongside eligible grants or stamp duty concessions. Your broker, solicitor, or conveyancer can confirm what applies in your state or territory.

Why do I need independent legal advice?

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Every HAS loan requires independent legal advice before you sign. This ensures you have received impartial, professional guidance on the structure, your obligations, the second mortgage and what happens when you refinance or sell. The cost is your responsibility and cannot be added to the loan.
More questions? Visit the full FAQ page ->

Keep reading

How SmartShare works: the 2.5% / 17.5% / 80% structureReal stories from SmartShare buyersRe-entering the property market after a life change
THE DEPOSIT GAP, CLOSED

The deposit part, fixed.

Check if your income qualifies for a 2.5% deposit, no LMI.

Check if I qualify