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Rural Home Loan

Keystart's rural home loan is tailored to meet the needs of farmers and regional business owners across WA. Learn more.

Loan features

  • Housing finance options, tailored to meet the needs of farmers and rural and regional business owners
  • Loan can be used for a range of housing options
  • No lender's mortgage insurance, potentially saving you thousands

Why choose this loan

  • Lower entry costs

    • No lender's mortgage insurance, potentially saving you thousands.
    • Equity can be in the form of existing property or a cash contribution
    • 20% equity is needed for a loan secured by farming or large rural properties
    • 10% equity is needed for residential properties.
    • No ongoing monthly fees
  • Tailored housing options

    • Farmers and rural business owners can use this loan to purchase established residential property in a nearby town-site, purchase residential land and build your home with either a registered builder or as an owner builder
    • You can purchase an established home, construct a new or kit home or place a new or second hand transportable home on land (subject to shire approval)
    • Home can be used to house you and your family or your employees and their dependants
    • Can be located on the your land or a new block
    • If you are a farmer, you may be able to use the finance for housing renovations, including installing alternative energy sources such as solar power systems or to make your home more comfortable with a new kitchen or bathroom or more. 
  • Flexibility in payments

    • Unlimited progress payments
    • Bulk repayments with no penalties
    • Repayments for farmers tailored around the timing of seasonal income, including a quarterly or half yearly payment option
    • Flexible repayment options as repayments can be made weekly, fortnightly or monthly

Rates and fees

Maximum purchase price of a home:


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Deposit required

Maximum loan term

  • Lender's mortgage insurance $0
  • Additional repayments allowed? Yes
  • Flexibility in repayment frequency Yes
  • Monthly account keeping fees $0
  • Loan increases? Click for more info
  • Statement frequency 6 Monthly

Calculate estimated repayments Click for more info

Purpose of the home loan Click for more info

Payment frequency

Based on borrowing: Click for more info

Loan term of: s

The home loan process

Getting your own home is an exciting time. It's a big step and will take you on quite a journey.

  1. Do I qualify?

    We focus on helping you get started on home ownership. We have a few eligibility requirements - you can find out if you qualify in 5 minutes. 

    Get started!

     

  2. Pre-approval

    Find out how much you can borrow before you start house hunting - so you know how much you can afford before you put in an offer!

    It will take 20-30 minutes to do online, or you can call 1300 578 278 to chat with one of our friendly staff for help.

  3. Full loan approval

    So, you've made a successful offer on a property. Exciting times! Now you need to meet any outstanding pre-approval conditions, so we can move onto formal approval. 

    Loan and mortgage documents will be sent to you to sign. These will form the contract between you and Keystart.

  4. Settlement

    When you receive your loan and mortgage documents, Keystart's settlement agent will liaise with your settlement agent to organise settlement.

    A date will be set to transfer the property into your name. Once settlement has occurred you can move into your new home! 

  5. Manage my loan

    We aim to support you through your home loan journey. The application process is just the beginning. Now you will begin to manage your home loan.

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  • Owning our own home has been the greatest start to a new life ever. Tony handled everything for us. He came out to the farm on several occasions and nothing was too much to ask of him.

    Steve and Wendy
    Keystart customers

    Let's get started

    • How much can I borrow?

      By giving us a few basic details, we can tell you how much you may be able to borrow.

      How much can I borrow?
    • Ready to apply or want pre-approval?

      You can start your application or just find out if you qualify. 

      Find out if you qualify
    • Which loan is right for me?

      Find out which loan may be most suitable for you.

      Which loan?

    Q&As about this loan