Get into a home of your own sooner.
Our property price limits, and income limits have increased.
Move on from the rentals. And the parentals.
It's time to be your own landlord with our newly increased property price limits and income limits. Our home loans lower the barrier to home ownership with
- deposits as low as 2% and
- no lender's mortgage insurance, to help you move into a place of your own, sooner.
Find out how much you can borrow.
Owning your own home maybe closer than you think. Tell us a bit about yourself to see what's possible.
Here are our new property price limits and income limits.
Low Deposit Home Loan
| Region | New property price limit | New income limit |
| Metro and regional areas | $730,000 | Singles: $148,000 Couples and families: $218,000 |
| Kimberley and Pilbara | $750,000 | Singles: $225,000 Couples and families: $285,000 |
Shared Ownership Home Loan
| Region | New property price limit | New income limit |
Metro and regional areas | $615,000 | Singles: $123,000 Couples and families: $189,000 |
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Who is Keystart?
Frequently asked questions
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Q
What type of home can I buy?
A
With Keystart's Low Deposit Home Loan, you either can purchase an established property, build a new home or buy an established home. You can buy an apartment, a townhouse, a stand-alone home or a unit - the choice is yours!
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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.
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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. Maybe friends and family can help?
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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.