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Making your dream of home ownership a reality

Our low deposit home loans with no lender's mortgage insurance means lower 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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Experienced, trusted and super helpful.

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

  • Over 100,000 people into their own homes
  • $ billion Over $5 billion in loans under management
  • Over 130 local staff to support you

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

    The home loan process

    Getting your own home is an exciting time. It's a big step and will take you on quite a journey.

    1. Do I qualify?

      We focus on helping you get started on home ownership. We have a few eligibility requirements - you can find out if you qualify in 5 minutes. 

      Get started!


    2. Pre-approval

      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.

    3. Full loan approval

      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.

    4. Settlement

      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! 

    5. Manage my 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

    • 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 I borrow?
    • Ready to apply or want pre-approval?

      You can start your application or just find out if you qualify. 

      Find out if you qualify
    • Which loan is right for me?

      Find out which loan may be most suitable for you.

      Which loan?