Committed to you, the broker
By working together, we can help open more pathways to home ownership, giving more people the opportunity to own a home sooner.
Supporting brokers across Western Australia
Meet the team
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Leigh Karangaroa
Team Leader Broker Support
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Vanessa Saunders
Broker Support Officer
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Carly Keskic
Broker Support Officer
Useful resources
Guides
Process for submitting a home loan
Refinancing a shared ownership home loan
Income and employment terms
How to guides
How to find Statement of Income in myGov
How to access your list of tax accounts
How to access your Centrelink
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Log in to Broker Portal
Easily track applications, stay up to date with processing times, access your customers' loan details and training and resources all through Keystart Broker Portal.
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Chat to us
Start a chat on our website at any time. Our Broker Support team is here to help.
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Submit a scenario
Questions about a scenario? Email us the details and we’ll reply as soon as possible.
Our loan products
Select a loan to view property and income details:
Select a loan to view property and income details
Comparison rate
Warning: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Loan repayment amounts
Loan repayment amounts shown are based on a simplified amortised schedule of repayments model. Actual loan repayments are subject to various internal and external factors including (but not limited to) changes in interest rates, fees and taxes. In particular, the model cannot predict future interest rates and therefore assumes the current variable rate for the remainder of the loan period.
Deposit required
Your deposit will be the higher of 2% or $2,000. The deposit required shown here may vary dependent on location and purchase price.
Purpose of the home loan
Not all loan products allow you to build a home.
Borrowing amount
This amount is provided for illustrative purposes only. The amount you may be eligible to borrow will be based on a full application. All applications for loans are subject to Keystart's standard credit policies and loan approval criteria, and depend on the particular circumstances and credit attributes of each applicant. Actual loan amounts approved may therefore be different to the results presented.
Loan increases?
Loan term
Content to be provided
Frequently asked questions
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Q
What is the impact of defaults or impaired credit on loan applications, and what are the auto-decline rules?
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Out default policy is as follows:
- Defaults under $5,000 must be paid for at least 12 months before consideration.
- Defaults over $5,000 must be paid for at least two years before consideration.
- For telco, utility, or medical defaults under $1,000, customers can pay these and apply immediately with no waiting period.
- More than three defaults (including debts passed to a debt collection agency) will result in an automatic decline.
Keystart auto-decline rule is an Equifax One Score of less than 420 will decline the application. If you have a customer who has a score above 420 and one customer who is below 420 the application will still be subject to our normal assessment approach.
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Q
Is DIDO/FIFO income accepted for home loans after three months of employment, regardless of fixed or rostered remuneration?
AThe minimum employment period for DIDO/FIFO employees is six months with their current employer. In some cases, we may consider applicants after three months of employment if they are on fixed remuneration, however, this may require outside policy approval. For employees not on fixed remuneration, the full six months with their current employer is required.
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Q
Which visa options are acceptable for a home loan application?
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Customers need to be either an Australian citizen or hold permanent residency visa. The only temporary visas we accept are:
- subclass 444 visas for New Zealand citizens, and
- spousal visas 309 or 820, provided they are within the two-year waiting period for permanent residency (calculated from the Visa Grant Notice date).
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Q
How is the annualised income calculated for the period 1 July to 31 December?
AMore information can be found in the Annualised Methodology flyer which is also available on the Broker Poral.
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Q
What are the property price limit and income limit for Keystart loan?
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Under the product settings mechanism, Keystart's property price limits will be reviewed periodically against annualised median house prices sourced from REIWA. Income limits will reflect the income required to service the property price limits. these settings are dynamic and will increase or decrease to reflect the conditions.
Current property price limits and income limits can be found here. We do have some leniency with these limits - get in touch if you'd like to see what's possible.