We don't lend to people who could just get a home loan from a bank. We only lend to people who have low deposits – to help
you get started. So if you don't have a large deposit ready, maybe we could be right for you.
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Comparison rate
Warning: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
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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.
Designed to help you get on top of interest rates and your home loan so you can look to the future with confidence.
We're passionate about helping you on your home ownership journey
Getting your own home is an exciting time and will take you on quite a journey.
We have a few eligibility requirements - you can find out if you qualify (we call this pre-qualification) in five minutes. Click here to get started.
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.
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.
Keystart's settlement agent will liaise with your settlement agent to organise settlement.
Once settlement has occurred you can move into your new home!
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.
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.
By giving us a few basic details, we can tell you how much you may be able to borrow.
How much can I borrow?We've put together some guides to address your big questions, from whether to build or buy, through to a guide to budgeting tools.
See all Guides
A tool that helps you identify the true cost of a loan because it includes both the interest rate and fees and charges relating to a loan, reduced to a single percentage figure. A comparison rate allows you to compare ‘apples with apples’ and make a more informed decision when choosing a home loan. The rate will be a percentage rate per annum based on certain fees and charges together with the compounding frequency as outlined in the Consumer Credit Code (Code).
