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Applying for a loan

To apply for a home loan online, we will need to get some details about you and your financial situation. Before we get underway, there are some quick questions we need to ask to find out if you'll qualify for a Keystart home loan.

Start your application

  1. Do you qualify?

    We have some eligibility criteria for our home loans. You can find out if you qualify within five minutes. We call this pre-qualification. This is the first step in applying for a Keystart loan.

    Click on the button at the bottom of this page to get started.

  2. Apply for a loan

    If you qualify (yay!), you can go on and start your loan application online. We'll need some more detailed information from you. This step will take between 20-30 minutes and you can save your progress at any time.

    Click on the button at the bottom of this page to first complete pre-qualification then continue on to apply.

Here's what you'll need to apply

To be eligible, you'll need to...


  • be 18 years or older
  • be an Australian Citizen or Permanent Resident
  • be living in Western Australia and wanting to buy or build here
  • have an income within our maximum limits
  • not own another home or land at the time of settlement of your Keystart loan 
  • plan to live in your home for the duration of your loan with Keystart
  • have enough funds available to cover all costs associated with the purchase, including your deposit, fees and any moving costs.

Details you'll need...


  • Details of your finances (income, living expenses, other debts, available funds). You may find this easier if you have your bank account statements handy!
  • Your employment details for the past two years, including the name and address of your employer
  • Your residential address details for the past two years

Ready to apply? First, complete our pre-qualification

Rather than waste your time filling out the entire home loan application form, it's best to first check that you qualify first. This is commonly referred to as the Pre-qualification stage. Ready to apply? First, complete our pre-qualification.

To proceed with pre-qualification, please review and accept our terms and conditions and privacy policy below.

Start pre-qualification