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Income and property price limits

Snapshot of Keystart's current income limit and property purchase caps. This page is not intended to provide a full overview of each loan products.

Low Deposit Home Loan

Buy or build with lower entry costs.

Property price caps and income limits

RegionIncome limitsProperty purchase price cap

Metropolitan area

$105,000 (Singles)
$130,000 (Couples)
$155,000 (Families)

$480,000
Regional Areas (excluding Kimberley & Pilbara

$125,000 (Singles)
$150,000 (Couples)
$155,000 (Families)

$500,000
Kimberley

$135,000 (Singles)
$165,000 (Couples)
$170,000 (Families)

$650,000
Pilbara

$165,000 (Singles)
$195,000 (Couples)
$200,000 (Families)

$650,000

See details for Low Deposit Home Loan


Shared Ownership Home Loan

Co-own a home with the Housing Authority

Income limits

RegionIncome limits

Metropolitan area

$70,000 (Singles)
$90,000 (Couples)
$90,000 (Families)

Regional Areas (excluding Kimberley & Pilbara

$70,000 (Singles)
$90,000 (Couples)
$90,000 (Families)

Kimberley

$110,000 (Singles)
$110,000 (Couples)
$110,000 (Families)

Pilbara

$110,000 (Singles)
$110,000 (Couples)
$110,000 (Families)

See details for Shared Ownership Home Loan


Aboriginal Home Loan

For people of Aboriginal & Torres Strait Islander descent. 
Two types of loan offered, full ownership and shared ownership.

Property price caps and income limits for full ownership

RegionIncome limitsProperty purchase price cap

Metropolitan area

$105,000 (Singles)
$130,000 (Couples)
$155,000 (Families)

$480,000
Regional Areas (excluding Kimberley & Pilbara

$125,000 (Singles)
$150,000 (Couples)
$155,000 (Families)

$500,000
Kimberley

$135,000 (Singles)
$165,000 (Couples)
$170,000 (Families)

$650,000
Pilbara

$165,000 (Singles)
$195,000 (Couples)
$200,000 (Families)

$650,000

Property price caps and income limits for shared ownership

RegionIncome limitsProperty purchase price cap

Metropolitan area

$60,000 (Singles)
$70,000 (Couples)
$80,000 (Families)

$412,000
Regional$60,000 (Singles)
$70,000 (Couples)
$80,000 (Families)
$500,000
Kimberley

$60,000 (Singles)
$70,000 (Couples)
$80,000 (Families)

$500,000
Pilbara

$60,000 (Singles)
$70,000 (Couples)
$80,000 (Families)

$500,000

See details for Aboriginal Home Loan


Access Home Loan

For those with a disability that affects housing needs, or their carers.

RegionIncome limitsProperty purchase price cap

Metropolitan area

$60,000 (Singles)
$70,000 (Couples)
$80,000 (Families)

$412,000
Regional Areas (excluding Kimberley & Pilbara

$60,000 (Singles)
$70,000 (Couples)
$80,000 (Families)

$412,000
Kimberley

$60,000 (Singles)
$70,000 (Couples)
$80,000 (Families)

$500,000
Pilbara

$60,000 (Singles)
$70,000 (Couples)
$80,000 (Families)

$500,000

See details for Access Home Loan



Rural Home Loan

See details for Rural Home Loan