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Making your dream of home ownership a reality

Our low deposit home loans with no lender's mortgage insurance mean low entry costs, so you get into your own home sooner.  Our team will support you all the way through the process.

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Who is Keystart?

Why we're different

Keystart is unique in the home loan market. Our loans are designed to help you get into your home faster by lowering the entry costs. Unlike other lenders, Keystart is a transitional lender. This means we encourage you to refinance with another lender, when you are ready to do so.

  • Low deposit home loan
  • No lender's mortgage insurance
  • Refinance whenever you're ready

    Experienced, trusted and super helpful

    We're passionate about helping you on your home ownership journey

    • Over 110,000 people into their own homes
    • $ billion Over $5.66 billion in loans under management
    • Over 130 local staff to support you

    Five simple steps to home ownership

    Getting your own home is an exciting time and will take you on quite a journey.

    1. Do you qualify?

      We have a few eligibility requirements - you can find out if you qualify (we call this pre-qualification) in five minutes. 


    2. Conditional approval

      Find out how much you can borrow - so you'll know how much you can afford before you put in an offer.

      Start online or you can call 1300 578 278 to chat with our team. 

    3. Formal loan approval

      So, you've made an offer on a property. Exciting times! To move to formal approval you'll need to meet any outstanding conditional approval conditions. Then we'll send you documents to sign.

    4. Settlement

      Keystart's settlement agent will liaise with your settlement agent to organise settlement.

      Once settlement has occurred you can move into your new home! 

    5. Manage your loan

      We aim to support you through your home loan journey. The application process is just the beginning. Now you will begin to manage your home loan.

    Let's get started

    Our home loans have lower entry costs, with our low deposit requirement and no lender's mortgage insurance, so you can get into your own home sooner. If you're ready to apply, follow the steps to how much you can borrow and see if you qualify.

    • How much can I borrow?

      By giving us a few basic details, we can tell you how much you may be able to borrow.

      How much can you borrow?
    • Thinking of refinancing?

      Read our guide to refinancing. We have tips on comparing lenders and let you know what's involved.

      Read more about refinancing
    • How's your financial wellness?

      Make time for your financial well-being can set you up for success. Keystart customers may be eligible for a financial coaching service.

      Read more