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Refinancing offers

We sometimes get approached by other lenders with refinancing offers for customers. We list any offers here so you can be kept informed.

Keystart is a transitional lender, which means we encourage you to refinance your home loan when it is suitable for you to do so. When you have built up enough equity in your home, either because you have paid off some of the loan or your home has increased in value, you may meet the criteria of other lenders and at this point we encourage you to refinance your loan.

If we are approached with offers for our customers we will endeavour to make you aware of them by posting the details on this page.

A guide to refinancing

Keystart recommends that you seek your own independent financial advice prior to making any decisions about your financial needs.

Was your Keystart loan assigned to Bendigo?

In 2016, a portion of Keystart's loan book was assigned to Bendigo Bank. If your loan was assigned we would have informed you of this at the time. 

Keystart customers may wish to contact Bendigo Bank to discuss refinancing options as it may have refinancing offers that may suit you. 

Do you have a broker?

If you have a mortgage broker you may wish to contact them when considering refinancing as they may have access to special offers or a broader range of lenders.

Current offers: 

This information is provided to customers on behalf of other lenders. Keystart does not warrant that the information below is current, is free from errors or omissions or that it is suitable for your circumstances.

Offer from National Australia Bank

For a limited time National Australian Bank are offering discounted interest rates to Keystart customers for emergency services personnel (police, fire and paramedics – including leadership roles) and health professionals (doctors, dentists, optometrists and veterinarians). The offered rate is 3.19% fixed for two years for owner occupiers for a principal and interest loan. 

They are also offering a $2,000 cashback offer for any customers who refinance their loan to National Australia Bank. This offer is available until 31 December. 

Terms and conditions apply.

For more information contact Lisa Beaton, National Australia Bank Mobile Banker on her mobile 0477 378 660, or via email

Ready to refinance?

If you are ready to move away from Keystart, get in touch and we will let you know what is required. 

Get in touch