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HAS Loans Australia’s leading solution for Homebuyers & Investors where a deposit is the only challenge.

Our SmartShare product is a low-deposit home loan solution that lets Australians buy with just 2.5% deposit instead of 20%.

Beth's message to Year 12 students starting their HSC exams has been featured by LinkedIn News Australia.Life after scho...
14/10/2026

Beth's message to Year 12 students starting their HSC exams has been featured by LinkedIn News Australia.

Life after school brings a first job, a first lease and, one day, a first home. Financial Literacy Education helps students get ready for it before they leave the classroom.

Link to Beth's post in our LinkedIn.

12/10/2026

Been told you need a 20% deposit to buy a home?

That's the standard path, not the only one. With SmartShare, you buy the home, you live in it, and your name is on the title. HAS contributes alongside your deposit, so you can buy with access to a minimum 2.5% deposit, plus purchase costs, and no LMI. Your 2.5% doesn't have to be genuine savings.

HAS takes a share of the growth when you sell or refinance. It doesn't take a share of your home.

You still need to afford the repayments, and it isn't for everyone. If the deposit is the only thing in your way, see how it works at hasloans.com.au/how-smartshare-works

Four years on, this is what one HAS customer had to say:“I’m currently in my 4th year with HAS and have been very happy ...
08/10/2026

Four years on, this is what one HAS customer had to say:

“I’m currently in my 4th year with HAS and have been very happy with the service and support provided. I would recommend HAS to anyone who may find saving for a deposit challenging.”

If saving for a deposit is holding back your homeownership plans, it could be worth exploring your options.

Check if you qualify, link in bio.

Saving for a deposit and wondering what your options are? 🏡HAS COO Peter Comino joins finance and mortgage specialist Da...
08/10/2026

Saving for a deposit and wondering what your options are? 🏡

HAS COO Peter Comino joins finance and mortgage specialist Dawn Inanli on the radio tomorrow to chat about alternative ways into the property market, shared equity and why the deposit isn’t always the whole story.

🎙️ Money & Mortgage Matters with Dawn
📻 Pulse 89.9FM
📅 Friday 9 October, straight after the 10am news

Tune in on 89.9FM or listen online at https://pulse899fm.com.au/

07/10/2026

“Are you sure?”

One of our early clients asked our founder, Peter Delaney, that about ten times when he rang to say we'd found a way for her to buy a home. Her mum was on the call and told her to take the approval.

The week before, she'd already bought the letter box.

Ten years of HAS this October. The full film is at the link in our bio.

A collective effort for a cause that matters. 💛 HAS was pleased to donate a prize to the 2026 Charity Auction, which r...
30/09/2026

A collective effort for a cause that matters. 💛

HAS was pleased to donate a prize to the 2026 Charity Auction, which raised $51,617 for the Children’s Cancer Institute.

These funds support childhood cancer research and the ZERO Childhood Cancer Program, helping doctors identify treatment options tailored to each child.

Thank you to the team, fellow donors and everyone who bid so generously. We’re grateful to have played a small part in what we achieved together.

28/09/2026

“Why haven’t I heard of this before?”
It’s one of the most common questions we hear.

SmartShare isn’t for everyone. Some buyers already have the deposit. Others may qualify for government support.
But for people who can afford the repayments and are still being held back by the deposit, it’s another option worth knowing about.

At HAS, we’ve spent more than 10 years building the track record behind it.
Sometimes the right option is simply one you haven’t heard about yet.

If you run a business, you've probably heard some version of 'come back when you've saved a deposit'.The frustrating par...
28/09/2026

If you run a business, you've probably heard some version of 'come back when you've saved a deposit'.

The frustrating part is that the money is real. It's in stock, equipment, invoices you're waiting on, and the float that keeps the business running. Pulling it out to sit in a savings account can hurt the thing that pays you. And even when it's there, money that's been working in a business often doesn't count as 'genuine savings' to a lender.

There's a structure built for exactly that shape. With SmartShare your contribution is 2.5% plus purchase costs, and it doesn't have to be genuine savings. HAS contributes 17.5%, your primary home lender lends 80%, and there's no LMI. Your working capital stays where it belongs. You don't need to be a first home buyer.

Your income still has to comfortably cover the repayments. If it does, and the deposit is the only thing in the way, check if you qualify at hasloans.com.au

Has to be HAS.

23/09/2026

2.5% deposit and no LMI?
If that sounds too good to be true, you’re asking the right question.
SmartShare isn’t a shortcut. It’s a structured pathway into home ownership.
You still need to qualify. Your name is on the title. And you’re responsible for your home loan repayments.
The difference? HAS contributes alongside you and receives its agreed share when you sell or refinance.
No loopholes. Just a structured, assessed approach that’s been helping Australians for over 10 years.
Questions are always welcome.

18/09/2026

Ready for the repayments, but still years away from a 20% deposit?
At HAS, we believe the deposit shouldn’t be the reason home ownership stays out of reach.
SmartShare helps eligible buyers purchase with a 2.5% deposit and no LMI.
A different path home, made possible with HAS.

Address

Level 5, Nexus Building, 4 Columbia Court
Baulkham Hills, NSW
2153

Telephone

+61281884888

Website

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