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Rural Home Loan

Rural Home Loan is tailored to meet the needs of farmers and regional business owners across WA. This is a product of the Country Housing Authority (ABN: 76 667 185 896).

This is a product of the Country Housing Authority (ABN:  76 667 185 896). 

Loan features

  • A State Government initiative designed to support Western Australian farmers and rural business owners.
  • Low deposit requirement.
  • Loan can be used for a range of housing options.
  • No lender's mortgage insurance, potentially saving you thousands.



About our Rural Home Loan

A loan with options

  • Low entry costs

    • No lender's mortgage insurance.
    • Equity can be in the form of an 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 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

For purchasing homes in the

Maximum purchase price of a home:

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Click for more info
Click for more info

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

Five simple steps to home ownership

Getting your own home is an exciting time and will take you on quite a journey.

  1. Do you qualify?

    We have a few eligibility requirements - you can find out if you qualify (we call this pre-qualification) in five minutes. Click here to get started.


  2. Conditional approval

    Find out how much you can borrow - so you'll know how much you can afford before you put in an offer.

    Start online or you can call 1300 578 278 to chat with our team. 

  3. Formal loan approval

    So, you've made an offer on a property. Exciting times! To move to formal approval you'll need to meet any outstanding conditional approval conditions. Then we'll send you documents to sign.

  4. Settlement

    Keystart's settlement agent will liaise with your settlement agent to organise settlement.

    Once settlement has occurred you can move into your new home! 

  5. Manage your 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?

      Find out if you qualify for a Keystart loan.

      Apply now
    • What would my repayments be?

      Try our repayment calculator.

      Repayment calculator

    Q&As about this loan

    Try our two new financial wellbeing quizzes

    Get a big-picture look at your wellbeing or find out how your attitudes and beliefs impact your financial behavior.