Interest rates

Family at home

Rates for new clients for Keystart loan products


Standard variable
interest rate

Comparison rate ^

Keystart Standard Home Loan

 5.34% pa

5.43% pa

SharedStart Home Loan

5.34% pa

5.43% pa

GoodStart Home Loan

5.34% pa

5.39% pa

Aboriginal Home Loan 

5.34% pa

5.41% pa

Disability Home Loan

5.34% pa

5.41% pa

Sole Parent Home Loan

5.34% pa

5.41% pa

^ WARNING: A comparison rate helps you identify the true cost of a loan. The comparison rate above is based on a home loan of $150,000 for 25 years. This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

View full product comparison table

How we set our rates

Given the low deposit nature of the lending we provide, Keystart has an interest rate policy that enables us to manage our lending risk responsibly whilst remaining focussed on our vision. Our policy is to adjust the rate in line with the average of the standard variable interest rate for owner occupied, principle and interest home loans of the four major banks, being the Australia and New Zealand Banking Group (ANZ), National Australia Bank (NAB), Westpac Banking Corporation (Westpac) and the Commonwealth Bank of Australia (CBA). Read more about how we calculate our interest rates

Interest rates are only one component of the total cost of a home loan, and we remain committed to keeping the upfront costs as low as possible by offering deposits as low as 2%, no ongoing fees, no lender’s mortgage insurance. 

When comparing interest rates from different lenders, it is important to take these factors in making a final decision about which lender is right for you.

Read more on our blog

Keystart is a transitional lender

Our main aim is to get you in to your home, and we encourage you to refinance when you are ready to do so, once you have built up enough equity to meet the lending criteria of traditional lenders, including banks, we encourage you to refinance. When you do refinance, we can then help someone else get started on their home ownership journey. Read more about Transitional Finance on our blog. We can help you to refinance when you are ready to do so, for example, when you have built up enough equity to meet the eligibility requirements of mainstream lenders. 

Standard lending criteria, terms, conditions, fees and charges apply. Terms and Conditions and disclaimer available here

Benefits of a Keystart home loan

Keystart’s vision is to make the dream of affordable home ownership a reality for more people. 

We do this by offering

  • home loans with a low deposit

  • no lender’s mortgage insurance and

  • no monthly account keeping fees.

More about Keystart's home loan products