We do loans with deposits as low as 2%, and no lender's mortgage insurance.
Find out more about our
Low Deposit Home Loan to get started.
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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.
We're passionate about helping you on your home ownership journey.
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.
Getting your own home is an exciting time. It's a big step and will take you on quite a journey.
We focus on helping you get started on home ownership. We have a few eligibility requirements - you can find out if you qualify (we call this pre-qualification) in five minutes.
Find out how much you can borrow before you start house hunting - so you know how much you can afford before you put in an offer!
It will take 20-30 minutes to do online, or you can call 1300 578 278 to chat with one of our friendly staff for help.
So, you've made a successful offer on a property. Exciting times! Now you need to meet any outstanding pre-approval conditions, so we can move onto formal approval.
Loan and mortgage documents will be sent to you to sign. These will form the contract between you and Keystart.
When you receive your loan and mortgage documents, Keystart's settlement agent will liaise with your settlement agent to organise settlement.
A date will be set to transfer the property into your name. 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.
By giving us a few basic details, we can tell you how much you may be able to borrow.
How much can I borrow?
You can start your application or just find out if you qualify.
Find out if you qualify
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).
