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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.

Application stages

  1. Pre-qualification

    Find out if you qualify.

    This step will take about 5 minutes.

    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 apply for a loan online. We'll need some more detailed information from you.

    This step will take between 20-30 minutes.

  3. Find your home

    We'll review your application and let you know if you have pre-approval. You'll find out your pre-approval amount and any conditions you need to meet.

    Remember you can look at buying an established home or building a new home. Your choice. But wait for pre-approval so you know your budget before you make an offer!

  4. Finalise your application

    We'll let you know what you need to do to get full loan approval. Once this is done, your loan is formally approved and you're on your way to home ownership.

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
  • have less than 10% of your income going towards debt repayment such as car loans or credit cards
  • 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

Before completing a home loan application form, first find out if you qualify for a Keystart home loan and how much you may be able to borrow. We call this stage pre-qualification. 

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

Start application