Who It's For

Re-entering

You did it once.
Let's do it again.

Life changes. Relationships change. Circumstances change. If your deposit is what's holding you back, HAS may help you get home sooner.

Check if I qualify

Coin illustration representing rebuilding a home deposit

01How SmartShare applies

Your deposit shouldn't stop you from getting back into the market.

If you can service a standard home loan but rebuilding your deposit is holding you back, HAS helps bridge the gap so you can buy again sooner.

Purchase structure: $650,000 home

You: 2.5%$16,250

HAS SmartShare: 17.5%$113,750

First mortgage: 80%$520,000

20% deposit. No LMI. 100% ownership.

You start with 2.5%

Savings, gift, inheritance, bonus: any source counts. Genuine savings not required.

HAS contributes 17.5%

A registered second mortgage helps complete your 20% deposit.

Your first home loan funds 80%

Your lender funds up to 80% of the purchase price.

Build equity and move forward

Repay HAS and its agreed growth share. Everything else is yours.

03Client story

Back in a home of their own.

Real Google reviews from people who came back.

GOOGLE REVIEW

HAS was a huge help for me getting back into the housing market after my divorce. When all the lenders said no, they said yes we can help. I highly recommend them.

Geoffrey O. · WA

GOOGLE REVIEW

Could not recommend HAS highly enough. They helped get me back into a home of my own again after so many years of renting.

Narelle W. · WA

02Who this is for

Everyone's journey back is different.

SmartShare helps people re-enter the property market after life's biggest changes.

After separation or divorce

You've moved on. Now it's time to rebuild. HAS may help you buy again sooner.

Growing family

Your family has grown. It's time for a home that fits your next chapter.

Starting over

You've sold your previous home or used your equity elsewhere. Now you're ready to buy again.

Returning after renting

You owned before. Now you're ready to stop renting and own again.

You're not starting from scratch. We'll tell you honestly whether SmartShare can help. No cost. No credit impact.

04Faq

Quick questions.

How do I get started?

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.

Is HAS only for first home buyers?

No. HAS helps eligible Australians at different stages of their home ownership journey. Whether you're buying your first home, re-entering the market after a life change, or purchasing your next home, HAS is designed for people who can service a home loan but need help bridging the deposit gap.

Does my 2.5% contribution need to be genuine savings?

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.

Can I apply if I am self-employed or have non-standard income?

Possibly. Non-standard or variable income can be more complex to assess, but it may be considered if it can be verified and accepted by both the first mortgage lender and HAS. Check your scenario early with a HAS specialist or accredited broker.

Do I need more than 2.5%?

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.

Does my credit history matter?

Yes. HAS assesses your credit history, income, liabilities and overall ability to service the loans. HAS is designed for responsible borrowers with acceptable credit.

More questions? Visit the full FAQ page ->