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.
Move on from the rentals. And the parents.
With rising interest rates, a strong local property market and increased cost of living, we know the deposit barrier to home ownership has been even higher in recent times. Our home loans lower this barrier with deposits as low as 2% and no lender's mortgage insurance.
Find out how much you can borrow.
Be your own landlord. Get into your own home sooner with our low entry cost home loans.
Here are our new property price limits and income limits.
| Previous property price limit | New property price limit | Previous income limit | New income limit | |
| Low Deposit Home Loan | $650,000 | $730,000* | Singles: $137,000 Couples and families: $206,000 | Singles: $148,000* Couples and families: $218,000* |
| Shared Ownership Home Loan | $535,000** | $615,000* | Singles: $113,000 Couples and families: $174,000 | Singles: $123,000* Couples and families: $189,000* |
*The new limits apply throughout the State, excluding Kimberley and Pilbara regions.
** This property price limit does not include SharedStart loans.
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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 through a registered builder or buy a newly constructed property. You can build 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/conveyancing fees, transfer fees, government stamp duty, inspection fees (building/termite), settlement agent fees, building insurance and water/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
Am I eligible?
A
Keystart has some set eligibility criteria. You can find out more about your loan requirements or you can find out if you would be eligible by completing pre-qualification. This takes about five minutes.
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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.