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Keystart permanently increasing income limits from 1 July 2022

Paul Graham, CEO

20 May 2022 • 1 min
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Keystart's income limits will be permanently increased for singles, couples and families.
In July 2019 Keystart temporarily increased the maximum income limits for our Low Deposit Home Loan to help more Western Australians achieve affordable home ownership. The previous income limits were increased by $15,000 for singles and couples and by $20,000 for families. 
In addition to making the temporary income limits permanent,  the income limits for couples and families have been streamlined for Perth metro and regional areas (formally two different income limits). The income limit for couples and families will reflect the former income limits for families. 
The temporary increase to our income limits for borrowers was in place from July 2019 until June 2022, with reviews taking place in June 2020 and June 2021. 


Increased limits as of 1 July 2022

Region New income limits Property purchase price cap
Metropolitan area

$105,000 (Singles)

$155,000 (Couples and Families)

Regional Areas (excluding Kimberley and Pilbara)

$125,000 (Singles)

$155,000 (Couples and Families)


$135,000 (Singles)

$165,000 (Couples)

$170,000 (Families)


$165,000 (Singles)

$195,000 (Couples)

$200,000 (Families)


More about our home loans

Keystart recommends that you seek your own independent financial advice prior to making any decisions about your financial needs. Any examples given in this post are provided for illustrative purposes only.

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