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Who we are

We're passionate about making the dream of affordable home ownership a reality for more people. Explore our key principles, team and partners.

Keystart's principles

Our vision

To make the dream of affordable home ownership a reality for more people.

Our mission

To provide transitional finance solutions for affordable home ownership in a sustainable way for the benefit of our community.

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 are a private organisation with one shareholder, the Housing Authority.

We operate under an independent Board.

Supporting the community

We are proud to have helped over 100,000 Western Australians on their home ownership journey. We continue to support our local community through our partnerships with Perth Wildcats, 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, Mortgage & Finance Association of Australia and the Chamber of Commerce and Industry of WA. 

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. Other sources of funding include private sector financial institutions. In 2016 Keystart partnered with Bendigo and Adelaide Bank who acquired part of Keystart's loan portfolio via equitable assignment.

Our community and industry partners

  • Housing Industry Association (HIA)

    As a HIA Partner, Keystart recognises the important contribution its members make to the housing industry. 

  • Master Builders Association (WA)

    Keystart support for the MBA is in recognition of the important contribution its members make to the building industry.

  • 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.

  • Mortgage & Finance Association of Australia

    Keystart is proud to sponsor the Mortgage & Finance Association of Australia.

  • Western Australian Apartment Advocacy

    Keystart is a sponsor of WAAA in recognition of housing choices in WA.

  • Perth Wildcats

    As the official Presenting Rights Partner of the Perth Wildcats & Perth Lynx School Holiday Camps and After-School Clinics, Keystart plays an important role in the Perth Wildcats community program and in encouraging healthy active participation amongst young WA children.

  • Perth Lynx

    Keystart is also a proud Major Partner of the Perth Lynx, helping to promote equality and empowerment and providing young females with positive, aspirational role models and a genuine career pathway for female basketball players to realise their dreams.

  • Relationships Australia WA

    Keystart is proud to be working with Relationships Australia WA on tailored customer and staff assistance programs.

  • Buddy Up Australia

    Buddy Up Australia offers a way for people who have served their country, either domestically or overseas, to connect with like-minded people and feel that sense of purpose again through physical fitness and volunteering for worthwhile projects.

  • Zonta House

    Keystart is proud to support Zonta House. Zonta House provides refuge and transitional accommodation, holistic support services and education to women over the age of 18.



  • Anglicare WA

    Keystart partners with Anglicare WA, a leading not-for-profit organisation focused on building strong relationships, communities and families. They provide support, counselling and advocacy for people experiencing domestic violence, homelessness, mental health issues and other forms of trauma. 

  • Financial Counselling Network

    Keystart is pleased to partner with the Financial Counselling Network (FCN). The FCN is a partnership of not-for-profit community service organisations and local government across the Perth metropolitan region who provide advice, assistance and education to people experiencing financial hardship.

Get to know us

  • Get informed

    We have a wealth of resources, tips, articles and customer stories to help you keep informed

    Read our articles and guides
  • Access our publications

    Country Housing Authority Annual Reports and other publications available here.;

    View key publications