Keystart Home Loans

Compare affordable loans available for Western Australians with flexible terms and features.

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Keystart is a government initiative offering finance for people striving to buy a home in the state of Western Australia. Compare Keystart home loans in the table or read more about the lender.

Compare Keystart home loans

Compare Keystart home loan products in the table below.

Name Product Interest Rate (p.a.) Comp. Rate (p.a.) Fees Monthly Payment

Keystart Country Housing Loan P&IHome≥ 2% Deposit

Keystart Country Housing Loan
  • App: $0
  • Ongoing: $0 p.a.

Keystart Aboriginal Home Loan P&I≥ 2% Deposit

Keystart Aboriginal Home Loan
  • App: $631.7
  • Ongoing: $0 p.a.

Keystart Disability Home Loan P&I≥ 2% Deposit

Keystart Disability Home Loan
  • App: $631.7
  • Ongoing: $0 p.a.

Keystart Sharedstart Home Loan P&I≥ 2% Deposit

Keystart Sharedstart Home Loan
  • App: $1,231.7
  • Ongoing: $0 p.a.

Keystart Country Housing Loan P&I≥ 2% Deposit

Keystart Country Housing Loan
  • App: $0
  • Ongoing: $0 p.a.

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Keystart lender profile

  • Keystart is a lender offering affordable home loan financing in Western Australia for first home buyers with low deposits. Keystart is a private company with one shareholder, the WA government's Housing Authority.
  • Unlike most lenders, Keystart offers home loans with deposits as low as just 2%. Because they're focused on housing affordability, there are income limits for applicants. If you earn more than a set amount you won't qualify for a Keystart loan.
  • Keystart offers several home loans, including a loan for first home buyers, a loan for Indigenous borrowers and a shared ownership home loan.

Keystart home loan types

Here's more information about Keystart's mortgage products:

  • Low Deposit Home Loan. This is a loan available with just a 2% deposit that also lets you avoid lenders mortgage insurance costs.
  • Shared Ownership Home Loan. Also available with a 2% deposit, this loan uses a shared equity model in which WA's Housing Authority funds part of your purchase, meaning you borrow less. The home will still be yours, and you can buy the remainder of the property later. If you sell the home, you may have to sell it to the Housing Authority in order to repay its share of the property.
  • Aboriginal Home Loan. This is a loan designed to assist Aboriginal residents to buy their own homes. There are low deposit and shared ownership options available, as with the products listed above.
  • Access Home Loan. This is a home loan for borrowers with permanent disabilities or carers of people with permanent disabilities.
  • Rural Home Loan. This is a flexible finance option designed for farmers and rural business owners.

How do I apply for a Keystart mortgage?

If you'd like to apply for a home loan from Keystart, please contact the lender directly.


Each Keystart product has specific eligibility criteria but some will apply to all products. For example:

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia and of WA.

Documents required

When you apply for a mortgage with Keystart you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

  • Identification documents. You will need identification such as a driver's license, passport or birth certificate.
  • Proof of income documents. Recent payslips can establish your income.
  • Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

Detailed guide to home loan applications and paperwork

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25 Responses

    Default Gravatar
    BreeAugust 30, 2017

    Would I be able to build a house and buy land privately whilst using my keystart homelone. Or do I have to build and buy through the building company supplied by keystart?

      Avatarfinder Customer Care
      RenchAugust 30, 2017Staff

      Hi Bree,

      Thanks for your inquiry. Please note that we are not affiliated with Keystart or any company we feature on our site and so we can only offer you general advice.

      Keystart is a home loan lending company offering affordable financing in Western Australia for first and subsequent home buyers with low deposits. The company was founded by the Department of Housing in Western Australia to provide affordable housing to its residents. Keystart home loans are targeted toward owner occupiers and are open to different groups of people, including those with disabilities, public housing tenants, Indigenous borrowers and ordinary borrowers who meet the eligibility criteria.

      I suggest inquiring with Keystart directly if there’s an option to buy a house/land privately using their loan.

      Best regards,

    Default Gravatar
    WillowJuly 25, 2017

    Need a phone number to call please. Perth.

    Default Gravatar
    brettMay 9, 2015

    Is Keystart dropping their interest rate?

      Avatarfinder Customer Care
      MarcMay 11, 2015Staff

      Hi Brett,

      Thanks for the question.

      Keystart will announce their response to the RBA decision soon. You can check our current RBA cash rate forecast to see how lenders respond to the rate cut.


    Default Gravatar
    jacquieFebruary 24, 2015

    can seniors qualify
    how long do I wait

      Avatarfinder Customer Care
      ShirleyFebruary 24, 2015Staff

      Hi Jacquie,

      Thanks for your question.

      There are a number of loans available for pensioners. You can take the eligibility quiz Keystart Home Loanson its website to find out.


    Default Gravatar
    GarrethJanuary 3, 2015

    I’ve been in WA for over 2 years now living and working. Will Keystart require a credit check from NZ as well?

      Avatarfinder Customer Care
      MarcJanuary 5, 2015Staff

      Hi Garreth,
      thanks for the question.

      Keystart will conduct separate credit checks on both your Australian and New Zealand credit history. Depending on the nature of the credit listings, you may still be eligible for a home loan.

      I hope this helps,

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