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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 loan products in the table below.
Here's more information about Keystart's mortgage products:
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:
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:
Detailed guide to home loan applications and paperwork
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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?
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,
Rench
Need a phone number to call please. Perth.
Hi Willow,
Thank you for your inquiry today.
You can find the contact information for Keystart Western Australia at this page.
Hope this helps.
Cheers,
Jonathan
Is Keystart dropping their interest rate?
Hi Brett,
thanks for the question.
Keystart will announce their response to the RBA decision soon, you can check our RBA page to see how lenders respond to the rate cut.
Cheers,
Marc.
can seniors qualify
how long do I wait
Hi Jacquie,
Thanks for your question.
There are a number of loans available for pensioners. You can take the eligibility quiz available on the Keystart Home Loans website to find out.
We aim to respond to user queries within 24 business hours.
Cheers,
Shirley
Hi,
I’ve been in WA for over 2 years now living and working. Will Keystart require a credit check from NZ as well?
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,
Marc.
Do keystart home loan offer any offset account product?
Hi Kenneth,
thanks for the question.
Unfortunately Keystart doesn’t offer a home loan with an offset account. You can compare home loans with offset accounts here.
I hope this helps,
Marc.
When do you have to start paying full mortgage once approved and the building process is in motion?
Hi Mangoes,
Thanks for your question.
Your repayment structure is determined upon application. Depending on the type of loan your opt for, you can make interest-only repayments for an agreed period of time.
For more information, please get in touch with Keystart.
All the best,
Shirley
Do you no if there something like that in qld
This is a question already asked, can you send me the link as well
Do you no if there something like that in qld
Hi Debbie,
I’ve emailed the link to you, please check your inbox.
Cheers,
Shirley
Hi,
Could you send me the link as well please?
Thanks
Hi Rachael,
Thanks for your question.
Please see this link regarding the Queensland Government and its Indigenous Home Ownership Program.
All the best,
Shirley
Hi Joanne,
Thanks for your question.
I’ve found something similar on the Queensland Government website, I’ve emailed you the link.
Hope this helps,
Shirley
IS THIS LOAN GOOD FOR A NEWLY PERMANENT RESIDENT AUSTRALIAN. I’VE RAD SOME REVIEWS ABOUT KEYSTART. JUST READ STHAT THEIR LOAN RATE ARE MORE HIGHER THAN BANKS AND SINCE IT IS A GOVT HOME LOAN WHENEVER THE GOVT CHANGE THEIR POLICY THERE’S A POSSIBILITY THAT THYE CAN CHANGE THEIR POLICIES ON HOME LOAN ANYTIME THEY WANT…IS THAT TRUE?
Hi Wyl,
Thanks for your question.
I’d recommend speaking to Keystart directly about how their home loans are financed and which policies they need to adhere to. According to their website, no government subsidies are provided to them.
Interest rates are determined on a case by case basis, and so they may or may not be higher than what the banks are currently offering.
All the best,
Shirley
Hi Shirley,
Thank you so much for your quick response and advice.
We both applied for a keystart loan. The house is a month away from handover but we have been seperated for 5 months. My partner will not be moving Into the house. When can he sign everything over to me in regards to laws etc?
Hi Lo,
thanks for the question.
This question is best suited towards Keystart Home Loans directly. They’ll be able to advise you on what you should in your current situation.
Sorry I couldn’t be of more help,
Marc.