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Need answers? We're here to support you through your home ownership journey. Explore our guides and quick links, access the client portal or get in touch with us today.

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Repayment calculator

Useful forms and fee schedule

Other key links

Relationships Australia (WA) webinars - available to Keystart customers

Upcoming events shared on behalf of Relationships Australia (WA)

Courses and workshops at Relationships Australia (WA)

FAQs about your home loan

  • Q What is the Client Portal for?
    A

    Your Client Portal will show your loan details including your current loan balance, advance payment position, interest rate and remaining term. You can view your account transaction history, print statements and update your insurance policy details online. Your login for the Client Portal will be the same as your login here in the Application Tracker.

  • Q What difference will it make if I pay a bit more off my loan?
    A

    Try our repayment calculator to see what difference you can make to your home loan by making payments more frequently or paying more than your minimum monthly repayment.

  • Q How can I get the best deal on a home loan?
    A

    Getting the best deal on your home loan all starts by comparing every possible deal you can find. There’s a lot of comparison websites out there designed for this exact purpose. These will save you hours of your time and give you a good picture of what’s available. You may also want to consult a mortgage broker to assist you in evaluating your options.

    Another way to compare apples with apples is to look at Home Loan Fact Sheets. Home Loan Key Fact Sheets are a tool designed to give you the information you need when you’re shopping around for a home loan. With so many types of loans available they let you know what the interest rates and known fees are for a range of home loan products.  The fact sheets will also highlight important information such as the total amount to be paid back over the life of the loan.

  • Q How much difference will refinancing make?
    A

    The real question on everyone’s lips is how much will I save. Like every aspect of the home loan experience, this answer will fluctuate between each person and situation. In most cases, the interest rate has the highest impact on your home loan repayments. Over the lifetime of a loan, this difference could equate to tens of thousands of dollars. Be sure to compare each lender's Key Facts Sheets so you are comparing 'apples with apples'. 

  • Q Can I rent out my property?
    A

    We aim to help more people on the journey to home ownership. In line with this vision, we do not offer loans for investment properties and you're required to occupy the property as your principal place of residence.

    However, we understand things change and you may find yourself in a situation where you are unable to stay in your home. If you have explored all options to either sell or refinance, you can contact us to discuss your circumstances. We look at each situation on a case by case basis.

  • Q Why is your interest rate higher than other lenders?
    A

    Keystart’s interest rate is based on the average of the standard variable interest rate of the four major banks,  that is the Australia and New Zealand Banking Group (ANZ), National Australia Bank (NAB), Westpac Banking Corporation (Westpac) and the Commonwealth Bank of Australia (CBA).

    Our program is designed to help people get into home ownership earlier by lowering the upfront costs rather than offering the lowest interest rate on the market.

    While our interest rates may be above some rates you see advertised, Keystart's interest rates are currently below the standard variable rate offered by many mainstream lenders.

    And with Keystart only requiring a deposit as low as 2% and not charging lender’s mortgage insurance, you may save many thousands of dollars.

  • Q Is Keystart a government department?
    A

    No. Keystart is not a government department. We are proudly an initiative of the Western Australian Government. We are a company with one beneficial owner, being the Housing Authority, and we are governed by an independent board of directors regulated by the Australian Securities and Investments Commission.

  • Q Is Keystart a bank?
    A

    No, Keystart is not a bank. We don't save any savings accounts like a bank and don't offer any other products other than home loans.