Country Home Loans

Country Home Loan Do I Qualify ?

No matter where you live in Western Australia Keystart provides a variety of home loan options for first and subsequent homebuyers in the regional, remote and rural areas of the State.  These loans can help you achieve your home ownership dream or perhaps improve your quality of housing.

The following home loan products are all available in the regional, rural and remote areas:

Keystart Country Home Loan

Keystart Country provides affordable finance options to farmers and rural business owners throughout regional, rural and remote Western Australia. We can assist farmers obtain finance to purchase a new property, renovate an existing home or build a new home on an existing property.

If you are a regional business owners, you are also able to apply for finance to assist in buying or building a new home for yourself, your dependants or your employees.

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Keystart Home Loan

Keystart provides a low deposit home loan to help West Australians finance an affordable home where other home loan lenders cannot provide assistance. Keystart's loan is only available for owner occupiers, who can then buy or build a home anywhere in Western Australia.

This loan is available to both first home buyers and subsequent home buyers.

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Aboriginal Home Loan

The scheme was established in 1995 and is designed to educate, support and provide an opportunity for Aboriginal and Torres Strait Islanders to help you buy an affordable home to live in.

This loan is available to both first home buyers and subsequent home buyers.

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Disability Home Loan

This scheme helps people with permanent disabilities, or those who care for a dependant with a permanent disability, to buy an affordable home or make modifications to a home.

This loan is available to both first home buyers and subsequent home buyers.

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SharedStart Home Loan

Keystart's SharedStart home loan is offered with the State Government’s shared ownership scheme to provide affordable home ownership opportunities for Western Australians. The Housing Authority have a range of homes available under the scheme with Keystart providing the SharedStart shared equity home loan to qualified applicants. Depending on your income and household size, the Housing Authority will co-own up to 30% of a property with you.

Under the shared ownership scheme, available properties are listed on the Opening Doors website and include newly-built homes and off-the-plan properties in a variety of areas around Western Australia.

Social housing tenants may also have the option to buy established Housing Authority properties.

View Product Fact Sheet Do I Qualify? Shared ownership properties for sale

Key differences between Standard home loan vs SharedStart

Sole Parent Home loan

This scheme helps sole parents to retain your home as a result of separation or bereavement. This is only available to current homeowners to refinance your current family home into sole ownership.

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GoodStart Home Loan

The GoodStart Scheme helps Housing Authority tenants buy a home under a shared ownership arrangement. You can look at buying your current rental property or another property offered to you by the Housing Authority.

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