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Compare our home loans

Get in your own home sooner with a Keystart loan. We'll help you consider which loan best suits you, depending on the size of your household, your level of income and your existing financial commitments.

All our home loans have:

  • Low deposits, so you get into your own home sooner
  • No lender's mortgage insurance, saving you thousands
  • No monthly account keeping fees

Calculate repayments for our loans

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      Looking for a Key Facts Sheet?

      To help you compare different lenders, all Australian lenders are required to provide Key Facts Sheets for home loan products, which include comparison rates. Key Facts Sheets become a useful tool to help you identify the true cost of a loan because it includes both the interest rate and fees and charges relating to a loan, reduced to a single percentage figure. A comparison rate allows you to more easily compare loans and make a more informed decision when choosing a home loan.

      To generate a Key Facts Sheet, select a loan product above and enter the loan amount and loan term required.

      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

      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 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.

      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.

      Things to know