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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. 

Let's get started.

Build or buy an established home?

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. 

Let's weigh up your pros and cons

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Who is Keystart?

Frequently asked questions

  • 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! 

  • 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. Maybe friends and family can help?

    Costs and benefits of buying a home
  • 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. 

    Do you qualify?
  • 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. 

    Build or buy an existing home