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Urban Connect Home Loan

Start living your urban lifestyle sooner Urban Connect Home Loan.

Loan features:

  • Available for medium and high-density apartments (minimum of two bedrooms), 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 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.

Man on inner city balcony

Urban lifestyle. Apartment living.

Urban Connect is only available for the purchase of an apartment, with a minimum of two bedrooms. 

Housing types apartments

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

Transport hubs and station precincts 

Urban Connect Home Loan is also 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.

Map of Perth with rail transport lines


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!

Our Urban Connect Home Loan product is initially running as a pilot, capped at 300 loans. Get in touch to start an assessment today. We can let you know if you qualify and how much you make be able to borrow.

Call us on 1300 578 278, Monday to Friday, 8:00am to 5:00pm.
You can also email


Tell us more about yourself.

As this is a new product for us, we'd love to find out a little bit more about what you're interested in with a quick two-minute survey.

Take the survey


Q&A's about this loan