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Urban Connect Home Loan

Enjoy an urban, inner-city lifestyle with our Urban Connect Home Loan. We offer low entry costs, with a low deposit requirement and no lender's mortgage insurance. Learn more and apply today.

Start living your urban lifestyle sooner with our Urban Connect Home Loan.

Loan features:

  • Available for medium and high-density apartments (now available for one-bedroom apartments), giving you more choice in where you live and what you can buy. 
  • Deposit as low as 2%.
  • No lender's mortgage insurance.
  • Urban locations and close to rail transport hubs.
  • For singles, couples and families.
  • For owner-occupiers only, meaning you need to live in your home during the life of your Keystart loan, not rent it out. This loan product is not available for investors.

Related loan product:


Urban lifestyle. Apartment living.

Urban Connect is only available for the purchase of an apartment.

Housing types apartments

Considering an off-the-plan apartment?

If you're interested in an off-the-plan apartment (meaning it hasn't been built yet), you may be interested in Urban Connect Plus. Urban Connect Plus is a specifically designed loan to cover the developer's deposit for an off-the-plan apartment if you don't have the funds available upfront.

More about Urban Connect Plus

If you purchase a new apartment, you may be eligible for either a stamp duty concession or rebate.

Transport hubs and station precincts

Urban Connect Home Loan is available in suburbs close to selected rail transport hubs. Live close to public transport and enjoy an urban lifestyle, with a connection to your city within walking distance.


Want to live in the inner metro area?

Looking to stay central? There are a lot of great reasons to live in Perth's inner city. Access to great facilities and close to the city for work or play the choice is yours!

Inner Metro Perth map


Rates and fees

For purchasing homes in the

Maximum purchase price of a home:

% PA
% PA
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

Income limits

Just me (maximum income)
Two of us (maximum income)
Family (maximum income)

Five simple steps to home ownership

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

  1. Get in touch

    Find out if you qualify (we call this pre-qualification) in 5 minutes. The Urban Connect Home Loan is a little different, so you'll need to give us a call on 1300 578 278 to check your eligibility.

    If you're eligible and choose to start an application with us, it will take approximately 25-30 minutes.

  2. Conditional approval

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

Get started!

Enter your details below to find out if you may be eligible for the Urban Connect Home Loan. One of our home loan specialists will be in touch to do an assessment over the phone with you.

You can also give us a call on 1300 578 278 to find out more.
You can view all our loan products here

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  • We'd recommend contacting Keystart to get your dream started. Any question we had was answered and we felt during the entire process they had our backs. Any hurdles Keystart were happy to help us.

    Scott H
    Keystart customer
  • Keystart customer assistance is by far the best around. Not only are they easy to deal with but they're also very helpful in recommending solutions to any issues that arise.

    Keystart customer

    Q&A's about this loan

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