Existing Clients

Loan Increases

If you have an existing Keystart home loan you may be able to borrow additional funds to help you renovate or redecorate your home or for another worthwhile purpose. If you have a shared ownership loan, loan increases can only be provided for the purpose of purchasing additional shares from the Housing Authority.

To discuss your options and determine your eligibility, please contact our Client Relationship Officers on 1300 578 278 or submit your enquiry online.


Keystart Online - Client Portal

Existing Keystart clients are now able to access loan account details online using our mobile enabled Client Portal. The Client Portal provides access to details such as your current loan balance, advance payment position, interest rate and remaining term. You will also have the ability to view your account transaction history and print statements as well as being able to update your insurance policy details online.

You are required to register to use this service. To do this you will need a valid email address, and your Login ID number, which is provided shortly after your loan has settled. If you have problems registering, please contact a customer service officer on 1300 578 278.

Click here to access the Client Portal

Managing your home loan

At Keystart we want to provide you with excellent service that’s friendly, courteous and prompt.
If you are an existing client and want to find out more about your account please register for the online Client Portal or contact a Customer Service Officer on 1300 578 278.

It's vitally important that your account does not go into arrears. If you are having problems making your repayments you should speak with one of our Arrears Officers in the Credit Management Department
on 9338 3139 and they will explain what options may be available to you.


Keystart is in the business of listening as well as lending.
We welcome comments, suggestions and feedback from our customers. We are committed to the efficient and fair resolution of complaints which will be dealt with quickly and courteously.
If complaints become disputes, Keystart has an established process for dispute resolution and, when necessary, for mediation. If you would like to provide feedback, click here.
If you would prefer to speak to someone directly, please phone 1300 578 278.


Provided the minimum repayments are met, your loan repayments can be altered at any time to suit your needs. You are encouraged to increase your repayments to whatever you can afford to improve the equity position in your home.
To change your repayments, please download the Direct Debit form and fax to 9338 3101 or post to PO BOX 6679, East Perth, Western Australia 6892.
Direct Debit Form


It is important to compile a budget for your household to ensure you are able to keep up with your loan repayments. Adhering to a budget can relieve a lot of financial stress and takes away the pain of receiving a large bill you hadn’t planned for.
You are encouraged to review your budget to assist with the management of your finances. The money smart website can assist you with this.


Having difficulties meeting your repayments?

If you are experiencing difficulty meeting your monthly repayments, please contact one of our Credit Officers on 9338 3139.  If you are seeking the assistance of a Financial Counsellor you can contact the Financial Counsellors Association of WA on 1800 007 007 or follow the link below

Financial Counsellors Association of Western Australia


If you are selling your property or looking to refinance away from Keystart, then please contact our Client Relationship Officers on 1300 578 278 or email .(JavaScript must be enabled to view this email address) so we can help you with the next steps and discuss your options