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Information about your declined application

We understand it may be disappointing for you to have been declined for a home loan. We've put together this guide to provide you with more feedback.

If you have been declined for a loan, we encourage you to reapply if your situation changes. We’re here to help if you would like any more information.

The valuation of the property

The property you were considering buying doesn’t meet our minimum standards, as outlined in the conditional approval letter sent to you.  You can apply again if you find an alternative property. You might find it helpful to read our guide to finding your dream home.


Your residency status

You need to be an Australian citizen or permanent resident to be eligible for a loan with Keystart. If your status changes,  get back in touch.

Time in your job

You must be employed for at least six months with your current employer. You may just need to wait a while and get back in touch when this time has passed.

If you are self-employed, you need to be able to show us financial information for at least two full financial years.

Contact your broker or home loan specialist if you'd like more information.