Rating based on 58 reviews


  • Home loans up to $470,000
  • Low-interest starting from 4.54%
  • Repayment up to 30 years

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Keystart homepage
Author Keystart. Screenshot of Keystart website.
[Accessed March 17, 2023]

About Keystart

Believing that you can’t afford a home loan could just be a myth. Why don’t you find out by giving Keystart a try?

Western Australians have the ability to apply with Keystart for a home loan and make homeownership a reality. Established in 1989 as an initiative from the State Government, realizing the huge need in the market for low-deposit home loans because a lot of Western Australians were struggling to meet the requirements for a deposit from most of the mainstream lenders.

Depending on your specific demands and preferences, you may choose from a variety of simple online loans. They'll take the time to thoroughly examine your financial condition and future objectives in order to provide the best home financing option for you.

The affordable pathway

Keystart home loans help eligible people with the way to buy a home, they offer the opportunity by offering home loans that have low entry costs, no lender’s mortgage insurance, and low deposit requirements.

Keystart provides specific assistance 

Housing requirements that are affected by living with a disability, single parents to keep possession of the family home, and Aboriginal applicants. They are providing home loans that result in full ownership home loans or shared ownership home loans.

Keystart is not a bank but a dedicated home loan lender that makes homeownership dreams come true and have made it a reality for more than 118,000 Western Australians.

Keystart Services

To get the best home loan they will consider all the facts about your situation, asking the right questions to assess your level of income, your household size, and financial commitments that exist currently.

With Keystart, they offer home loan rates from 4.54% p.a. making them highly competitive in the market. You can borrow an amount starting from $10,000 (depending on your qualifying details) up to $470,000 over a home loan period of 7 years to 30 years.

The best is that you can enjoy the special loan features which include a low deposit loan from just a 2% deposit, benefit from no mortgage insurance and you could also take advantage by using your first homeowners grant, when building a new home, for the deposit.

The deposit does vary for different regions, with the low deposit home loan you can save up for the needed amount in no time, allowing you to build or buy your home much sooner.

When you are ready to make the move

Assisting Western Australians to buy a home of their own is Keystart’s main objective, by defeating the barrier of huge deposits and giving them an affordable option.

When you have worked hard to build up equity of at least 20% and achieve the ability to apply for home loan financing, they will encourage and assist you to refinance your home.

The benefits of refinancing your home loan are that you can negotiate for better and lower interest rates, more affordable repayments, and receive good financial products on offer from a different lender.

Keystart – Home loan

  • Loan Type Home loans
  • Interest Rate from 4.54%
  • Loan Amount up to $470,000
  • Repayment 7 years to 30 years

Benefits of Keystart

  • Get a home loan with a low deposit
  • No monthly fees
  • Get pre-approved in 30 minutes

Keystart Home Loans - the start of something wonderful

Keystart offers a simple application procedure and highly skilled staff to assist you at every stage of your first or second home ownership adventure.

Steps 1- With Keystart, you have the option of submitting your application online or in person at a branch location. In both cases, a form must be filled out and the appropriate documents must be attached.

Step 2- Based on your evidence, they will evaluate whether you are qualified for a home loan and, if so, the monthly payments.

Step 3- If you are accepted, they will provide you with a pre-approval letter that you may utilize to look for your dream house while knowing precisely how much you can afford.

Most common supporting documents required 

  • Proof of your identification and proof of your residency
  • Returns on investment over the last three years and bank statements for the preceding six months are normally required.
  • Collateral security in other forms
  • Papers connected to the registration of the real estate

If you are 18 or older and have a steady income that enables you to afford a mortgage, banks such as Keystart provide a speedy online application procedure for home loans, making it easy to apply for a loan online and get approved.

The advantages of working with Keystart

  • From start to finish, a digital process.
  • Repayment options that can be tailor-made
  • Simple and easy-to-understand documentation
  • Manage your home loans from the comfort of your own home.
man holding thumbs up

Keystart is a trusted & reliable provider of home loans

In our review, Keystart adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ Keystart is a registered credit provider in Australia: ACL 381437

Customer Reviews & Testimonials

April 2019

Are you looking to find your dream home to start your family in then you have to look no further cause they are a truly amazing company that will help you find your family home.

Emily R
— Perth —

May 2019

They let you compare loans to find the one that is best suited to you and your family and that is what counts. They don’t try and make you take the biggest loan that you can’t afford but find you...

Timothy L
— Brisbane —

Keystart Contact

Physical Address

Postal Address

  • PO Box 6679, East Perth, Western Australia, 6892, Australia

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed