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Roles and responsibilities

It is vital you understand the roles and responsibilities of all parties involved throughout the home loan process. Learn more.

Your actions

  • Create a household budget so you can get an honest look at your expenses vs income.
  • Find out how much you can borrow
  • Assess how affordable a home loan is for you. We recommend seeking independent financial advice before making financial decisions.
  • See if you would qualify for a loan (we call this pre-qualification).
  • Gather the required documentation.
  • Apply for a loan.


Consider your options. Do your research across lenders so you know what your options are. There are some great comparison sites out there to help!

We recommend you start with a realistic budget to help you assess if home ownership is a suitable option for you. MoneySmart have some great free budgeting resources.

When you're ready to start an online application, you'll need your financial information handy. Have your payslips, bank statements and employment details available.

You'll need to keep an eye on your loan so you can manage your loan and see how things are progressing.



We will

  • assess whether you are eligible for finance.
  • issue a pre-approval letter so you'll know how much you can borrow, as well as any conditions you need to meet to get full loan approval.
  • check that all pre-approval conditions are satisfied before we give full loan approval.
  • formally approve finance and issue loan documents.
  • liaise with your settlement agent.
  • disburse the loan funds as required - either for the build of your home or for the purchase of an established home.


We will

  • work with you on your loan application.
  • let you know If you are ineligible for finance and if there are actions you can take to become eligible in the future.
  • keep you updated on the progress of your application, or if you have a broker, we'll update your broker.
  • check in with you during the first twelve months of your loan to ensure your loan is working well and you have everything you need.
  • provide you access to the Client Portal so you can see your loan details.
  • be here for support at any time - get in touch with any questions or feedback.


The Housing Authority:


For all shared ownership loans, you'll be able to live in your home without interruption or disturbance so long as you abide by your obligations under the Co-owners Deed.
We'll advise you within 15 business days if you wish to purchase more shares in a shared ownership home loan or if you wish to sell your interest in your home.

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?

    Find out if you qualify for a Keystart loan.

    Apply now
  • What would my repayments be?

    Try our repayment calculator.

    Repayment calculator