Get into a home of your own sooner.

With our new property price limits and increased income limits, now is the time to be your own landlord.

Unpack for the last time. In your own home.

Owning a place of your own may be closer than you think with our low entry cost home loans. All Keystart home loans offer

deposits as low as 2%, saving you the time (years) it could take to save a large deposit,
no lender's mortgage insurance, potentially saving you thousands, and
the choice of what you buy and where you want to live.

Whether you like to buy an established home, a unit, an apartment or build a new home - the choice is yours. Think about what suits your needs best.

Q What type of home can I buy?
A
With Keystart's Low Deposit Home Loan, you either can purchase an established property or build a new home. You can buy an apartment, a townhouse, a stand-alone home or a unit - the choice is yours!

Your guide to buying a home
Q I have owned a property before. Can I apply?
A
Yes you can. Subsequent home buyers are eligible to apply as long as you don't currently own or part own any other home or land.

How much can I borrow?
Q Other than the deposit, what other costs are there?
A

Some of the other upfront costs you may incur when buying a home include application fees, legal or conveyancing fees, transfer fees, government stamp duty, inspection fees (building or termite), settlement agent fees, building insurance and water or shire rates.
You may also need to consider your moving costs if you need to hire a truck or removalists. If you're a first home buyer and you're thinking of building a new home, you may be eligible for the first home owner grant.

Costs and benefits of buying a home
Q Can I buy anywhere?
A
Yes, anywhere within Western Australia. Once you have conditional approval you will be able to start looking for your new home. You can use the finance to buy an established home or to build. Remember to take into consideration the distance to your work and other facilities you want nearby.