Who we are
We're passionate about making the dream of an affordable home a reality for more people. Explore our key principles, team and partners.
Our purpose
To make the dream of an affordable home a reality for more people.
We take responsible lending seriously
We want to set our customers up for success. We take our responsible lending obligations seriously as we want to provide our customers with the required level of financial comfort when meeting home loan repayments. We check every applicant's situation carefully to ensure that our customers will be able to afford home loan repayments without getting into financial difficulty.
Working with the WA Government
Keystart began in 1989 as an initiative of the WA State Government. The relationship has continued over time with ongoing support from successive State Governments.
We operate under an independent Board.
Supporting the community
We are proud to have helped over 126,000 Western Australians on their home ownership journey. We continue to support our local community through our partnerships with Football West, Relationships Australia WA and numerous WA charities. Our industry connections
are strengthened through our corporate partners including Housing Industry Association, Master Builder Association, Real Estate Institute of WA and the Mortgage & Finance Association of Australia.
Our funding
Keystart funds the home loans it provides from a number of sources. Predominately this is through the Western Australian Treasury Corporation, which is the State government's central financial services provider, working with its clients to assist them to achieve sound financial risk management outcomes. In 2016 Keystart partnered with Bendigo and Adelaide Bank who acquired part of Keystart's loan portfolio via equitable assignment.
Acknowledgement of Country
Keystart acknowledges the Whadjuk people of the Noongar Nation as the Traditional Custodians of the land on which we operate. We pay our respects to Elders past and present and recognise their continuing culture and contribution to our community.
Our reconciliation journey so far
At Keystart, reconciliation is about building stronger relationships, creating opportunities and growing our understanding of and respect for Aboriginal and Torres Strait Islander peoples, cultures and histories.
Our formal reconciliation journey began with our Reflect Reconciliation Action Plan. It helped us build awareness across Keystart and laid the groundwork for the next stage of our work.
Our partnership with Reconciliation WA has been an important part of this journey. Their guidance has helped strengthen our knowledge, shape our approach and turn our commitments into practical actions.
In August 2024, we launched our 2024–2026 Innovate Reconciliation Action Plan. This moved our focus from building awareness to taking action and making reconciliation part of how we work, the relationships we build and the decisions we make.
Our RAP Committee meets regularly to support this work, keep our commitments on track and encourage involvement across Keystart.
Our aim at Keystart is to deliver better outcomes for Aboriginal and Torres Strait Islander peoples through:
providing employment opportunities;
a better customer experience through increased cultural competence; and
business opportunities through our procurement activities.
What comes next
As our Innovate RAP comes to a close, we are proud of the progress we have made and the stronger foundations now in place.
During 2026 - 27, we will begin developing our next Reconciliation Action Plan. It will build on what we have learned and help us identify where we can continue to improve and make a meaningful contribution.
We know reconciliation is ongoing and that there is always more to learn and do. We look forward to continuing this work with our people, customers, partners and community.
Our community and industry partners
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Housing Industry Association (HIA)
As a HIA Partner, Keystart recognises the important contribution its members make to the housing industry.
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Master Builders Association (WA)
Keystart support for the MBA is in recognition of the important contribution its members make to the building industry.
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Real Estate Institute of WA
Keystart is proud to sponsor REIWA in recognition of the value we place on our partner network and our commitment to supporting best practice in industry.
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Football West
Keystart is proud to partner with Football West in supporting participation and strengthening football communities across Western Australia. -
Urban Development Institute of Australia (UDIA WA)
Keystart’s support for UDIA WA recognises the important contribution its members make to Western Australia’s urban development industry. -
Property Council of Australia (WA)
Keystart’s partnership with the Property Council recognises the important contribution its members make to Western Australia’s property industry. -
Financial Wellbeing Collective
Keystart is pleased to partner with the Financial Wellbeing Collective (FWC). The FWC is a collaboration of not-for-profit community service organisations and local government who provide a range of integrated and person-centred services, with the aim of reducing the drivers and impacts of financial hardship in the Western Australian community.