Shared Home Loans

Shared Home Loan Do I Qualify ?

Keystart's Shared Ownership Home Loan Scheme is designed to help low to moderate income earners for first and subsequent homebuyers.  Depending on your income and household size, the Housing Authority will co-own with you up to 40% of a property with you, although some conditions apply. Later, when you can afford it, you may be able to purchase all or part of the Housing Authority's share. In all cases, Keystart will strongly encourage you to maximise your ownership of a property purchase in the initial instance should your circumstances allow you to. The Shared Ownership Scheme aims to make the dream of home ownership more attainable, for more Western Australians.

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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