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
Based on borrowing: 
Loan term of: s
Payment frequency
Borrowing amount
This amount is provided for illustrative purposes only. The amount you may be eligible to borrow will be based on a full application. All applications for loans are subject to Keystart's standard credit policies and loan approval criteria, and depend on the particular circumstances and credit attributes of each applicant. Actual loan amounts approved may therefore be different to the results presented.
Loan repayment amounts
Loan repayment amounts shown are based on a simplified amortised schedule of repayments model. Actual loan repayments are subject to various internal and external factors including (but not limited to) changes in interest rates, fees and taxes. In particular, the model cannot predict future interest rates and therefore assumes the current variable rate for the remainder of the loan period.
Comparison rate
Warning: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
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
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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? -
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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.
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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.
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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.
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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.
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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!
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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.
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Things to know
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How much can I borrow
Want to know how much you can borrow for a home loan? It takes less than two minutes to find out.
Try our calculator -
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Before you apply
Find out about our eligibility requirements to see if we can help you.
Your loan requirements -
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Our interest rates
Find out more about our interest rate policy.
How we calculate our interest rates
