We're passionate about helping you on your home ownership journey
Keystart is unique in the home loan market. Our loans are designed to help you get into your home faster by lowering the entry costs. Unlike other lenders, Keystart is a transitional lender. This means we encourage you to refinance with another lender, when you are ready to do so.
We have a vision to make the dream of affordable home ownership a reality for more people. Any surplus funds generated are returned to the Department of Communities (Housing Authority) to help their social housing initiatives.
We only do home loans. Unlike banks we don’t try to sell other products and once you have built some equity we encourage you to refinance with another lender.
While we are proudly an initiative of the Western Australian government, we are not established under a statute, or as a government agency. We are a company with one beneficial owner, being the Housing Authority, and we are governed by an independent board of directors regulated by the Australian Securities and Investments Commission.
Keystart loans compare favourably with those offered by other financial institutions.
|Minimum deposit||From 2%||From 5%|
|Lender's mortgage insurance (LMI)||$0||$10,450.61 *|
|Monthly account keeping fees||Nil||$8.00 **|
* Results based on Genworth LMI premium calculator. Property value $327,400, loan amount $311,300, loan to value ratio (LVR) 95%, first home buyer, loan term up to 30 years.
** Loan administration charge for Standard Variable P&I Owner Occupied Home Loan from Commonwealth Bank, NAB & Westpac.
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.
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.
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.
Keystart's settlement agent will liaise with your settlement agent to organise settlement.
Once settlement has occurred you can move into your new home!
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.
Keystart made my dream of being a homeowner a reality. When I really needed help, they were there. My dealings with them were positive but realistic. I would highly recommend to anyone.
People would always tell me how hard Keystart were to deal with however I completely disagree. I can’t say thank you enough for the opportunity to get our home in the most stress free way possible.
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.
Our loan has been easy to cope with. Keystart have always gone out of their way to help and make it as easy as possible to deal with them.
Always friendly, always easy, no mess, no fuss. Never had an issue. Very happy with our service over the years with prompt correspondence and easy-going staff and local call centre... big plus!