Home Affordability Solutions

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Baulkham Hills, NSW
Home Affordability Solutions

Buy your home with just a 2.5% deposit. Refinance with HAS & lower your monthly mortgage payments.

Your trusted partner in facilitating affordable homeownership through micro deposits.

28/05/2026

May has been a big month for HAS — filled with industry events, broker education, team growth and important conversations around affordability.

From IFBF and FBAA events, to our Purple Circle Financial Services webinar, Nectar Broker Academy, and continued growth in Queensland, one thing has remained clear:

Education and support matter.

At HAS, we are committed to helping brokers feel confident when having shared equity conversations with their clients.

It is not just about providing another option.

It is about providing structure, clarity and a long-term pathway forward.

Thank you to everyone who connected with us throughout May. We are excited for what is ahead.

26/05/2026

Shared equity can be a powerful way to help clients take their first step into the property market — but not all shared equity models are the same.

At HAS, we are not your typical shared equity solution.
We have been operating for well over a decade and have seen incredible success with clients using HAS as a structured way into the market, with many refinancing in around 3–4 years.

For brokers, this matters.

HAS gives you another pathway for clients who may have strong income and borrowing capacity, but are held back by the deposit hurdle.

It is not just about getting the client into the home.
It is about supporting them with education, structure and a long-term pathway from the beginning.

That is why shared equity matters for brokers.
It can open the door for the right clients — with the right support behind them.

24/05/2026

For many clients, the hardest part of buying a home is not always the ability to service the loan.

It’s getting the deposit together.

With HAS, eligible clients may be able to purchase with as little as a 2.5% deposit, with no genuine savings requirement.

The HAS second mortgage component is interest only and fixed for 5 years, with loan terms of up to 30 years.
This gives brokers another option to support clients who may have strong income and borrowing capacity, but are struggling to overcome the deposit hurdle.

Because sometimes the right client does not need to wait years to build a bigger deposit.

They need the right pathway.

22/05/2026

At HAS, we work closely with brokers to help clients overcome one of the biggest barriers: the deposit hurdle.

Whether it's helping clients leverage alternative pathways, maximise borrowing potential, or find solutions that traditional lenders may overlook, HAS is here to support brokers in turning “not yet” into “approved.”

John Carson-Zangor plays an important role in supporting clients through the HAS process. Helping ensure clients have the guidance, resources and clarity they need along the way.

How does HAS help broker support clients who may have strong income but need help overcoming the deposit hurdle?

"From a broker’s point of view, HAS lets us separate serviceability from the cash side of things. A lot of clients can comfortably afford the repayments; they’re just held back by the deposit and upfront costs. HAS gives us a way to structure around that so those deals can actually move forward instead of stalling."

17/05/2026

Education has always been one of the core principles behind HAS.

Our CEO, Beth Comino, co-created Financial Literacy Education with Victoria Coster from Credit FIX Solutions, from a shared belief that practical financial education needs to start earlier.

We are living in a time where young people are exposed to financial content every day — often through social media, influencers and platforms like TikTok.

Some of that content may be helpful, but not all of it provides the full picture. That is why education needs to be there first.

Financial Literacy Education was created to help young Australians build practical understanding around budgeting, saving, credit, loans, superannuation and the foundations of home ownership — before they are faced with major financial decisions.

At HAS, we believe education is not just part of the process.
It is part of the solution.

14/05/2026

Meet Ray, our Broker Support Officer at HAS.

Ray plays an important role in supporting brokers through the HAS process, helping ensure they have the guidance, resources and clarity they need along the way.

“I enjoy helping brokers to feel supported, valued, and confident knowing Home Affordability Solutions (HAS) is a trusted partner - responsive and committed to making every process easier for them and their clients.”

At HAS, broker support is not just about answering questions. It’s about helping brokers feel confident, equipped and supported as they guide their clients through the shared equity journey.

12/05/2026

We’ve simplified things at HAS to ensure brokers feel well equipped to explain shared equity to their clients.

Through our Broker Academy, brokers can access practical tools and resources including product policies, flyers, TMDs, marketing materials, submission instructions and SmartShare support tools.

We’ve also built in client-friendly materials to help support clearer conversations and stronger understanding.

It is very easy to register because when brokers have the right tools, clients feel more confident in the journey.

11/05/2026

We’re looking forward to the FBAA Coffee Event in Paddington on the 13th May.

Our COO, Peter Comino, will be attending and is looking forward to connecting with brokers and industry peers in the room.

At HAS, we value these opportunities to have real conversations about client affordability, the deposit gap and how shared equity can provide another pathway for the right clients.

If you’re attending, please come and say hello to Peter — he would love to see you there.

Event details/register here:
https://www.fbaa.com.au/event-results/?eventtemplate=308-fbaa-coffee-meet-paddington-nsw

09/05/2026

Happy Mother’s Day to all the incredible mums, grandmothers, mother figures and women who help create a sense of home for the people around them.

At HAS, our core words are hope, dignity and security — and on Mother’s Day, these words feel especially meaningful.

For many families, home represents more than a roof over their heads. It represents stability, safety, belonging and the opportunity to build a future.

Today, we celebrate the women who nurture those foundations every day.

From all of us at HAS, Happy Mother’s Day.

07/05/2026

HAS is heading to Brisbane today.

As we continue growing our team in Queensland, we’re focused on strengthening our broker relationships and expanding the support we provide on the ground.

More brokers are looking for practical ways to support clients facing deposit and affordability challenges — and we believe education, structure and long-term support are key.

It’s an exciting time for HAS as we continue growing our team nationally and strengthening our broker network across Australia.

Address

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

Telephone

+61281884888

Website

http://www.Yourhas.com.au/, https://meetings.hubspot.com/rob-hachey/client-quick-chat-new

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