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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.

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. You 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.

When you're ready

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

How to move from Keystart

A guide to get you started

We've prepared a guide to refinancing to answer some of your questions and let you know next steps.

A guide to refinancing

Refinancing 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 Westpac Member Plus

    Get a refinance cashback

    Westpac has a range of offers for eligible Keystart customers, including access to financial literacy videos and seminars on topics like budgeting, managing your home loan and retirement planning.

    Keystart customers can access Westpac's microsite portal for a detailed list of benefits. Visit Member Plus and use code: KEYSPERKS

    Current offer: Westpac Member Plus refinance cashback up to $4,000 (PDF flyer)

    If you have any questions about the offers you can email Westpac at or call 1300 361 159.

    This content has been contributed by Westpac.
    Posted 15 February 2021

    Visit Westpac's Member Plus
  • Offer from Bankwest

    Refinance cashback offer

    Bankwest is offering a $2,000 refinance cashback offer - running until 25 February 2022 (funds must be disbursed by 30 April 2022). You can call 1300 919 851 or click on the link below to find out more. Bankwest Mobile Lending Managers could help you, by reviewing your current mortgage to see if there is an option that could better suit your needs and save you money.

    This content is contributed by Bankwest. Lending and eligibility criteria, fees and charges apply. Terms and conditions apply and are available on request. Bankwest, a division of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL / Australian credit licence 234945.

    Updated 12 October 2021

    Read more about the offer
  • Offer from NAB

    $2,000 refinance cash bonus

    NAB Home Loans is offering a $2,000 refinance cash bonus when you refinance a home loan of $250,000 or more with an eligible NAB Transaction Account.

    NAB offers:

    Dedicated Executive Home Lending team with specialist credit support

    Fast unconditional approvals- 48hrs- 72hrs*

    Customised Finance Health check seminars

    $2,000 cashback on refinancing an eligible home loan*

    Flexible appointments at a time, date and location that suits you (including video appointments)

    Eligible to apply from the first day of employment (with no waiting period)

    NAB has also renewed its partnership with Australia Post for 10 years, providing secure face-to-face banking services for customers at over 3500 participating Post Offices across Australia.

    Please feel free to contact the below Executive Lenders for any refinance query:

    Lisa Beaton: 0477378660,

    Melvin Lau: 0452 253 762,

    Nik Cube: 0414 448 068,

    This content is contributed by NAB. *Terms, conditions, fees, charges, eligibility and lending criteria apply (available on request). Offer may vary or end at any time. Australian Credit Licence  230686.

    Updated 04 April 2022.