Keystart Home Loans

If you are struggling to save for a house deposit, this may be the perfect solution for you!

Keystart is a Western Australian government initiative assisting homebuyers to enter the market with low entry costs. The initiative provides home loans for those that may not be able to save a deposit for the bank, helping you into your own home much sooner.

You can get started with a keystart home loan deposit as little as 2%. You may either buy an established property or build a new home.

If you are a first home buyer, you can use your first home buyers grant (FHOG) towards your deposit if you decide to build a new home. 

  • Single Applicants (Not exceed $105,000 annually)
  • Couples (Not Exceed $155,000)
  • Families (Not Exceed $155,000)
These limits are subject to change.

Income Limits (Metro Area)

  •  Deposits from as low
  • First Home Owner Grant of $10,000 can be used towards your deposit if you are building
  • No Lenders Mortgage Insurance

Keystart Perks

  • Be an Australian Citizen or Australian Permanent Resident
  • Be living in Western Australia or wanting to build there
  • Be within the Keystart income limits
  • Not own another home at the time of settlement

Keystart Requirements