If you’re buying your first home in WA, you’ve probably heard of Keystart and you might be wondering if it’s your ticket out of renting. 

With the changes in August 2025 making it more accessible than ever, Keystart has helped thousands of buyers get into their own home sooner. But it’s not the right fit for everyone and that’s where we come in. 

Here’s what you need to know. 

What is Keystart?

Keystart is a WA government-backed lender that helps people who might not qualify with a traditional bank get into their first home. It’s designed to lower the barriers to entry, making home ownership faster, easier, and more affordable. 

Why Choose Keystart?

 

Low deposit, faster move-in 

Saving for a deposit while renting? We get it, that’s no small feat. Keystart lets you get started with as little as 2%, compared to the 5% or more most lenders require. 

No monthly accounting fees 

Unlike many lenders, Keystart doesn’t charge ongoing admin fees on your loan. 

No Lenders Mortgage Insurance (LMI) 

LMI can add thousands to your loan. Keystart skips this entirely, which helps keep upfront costs lower. 

Payments capped during construction 

If you’re building, your loan repayments are capped during construction, giving you breathing room until you’re in. 

Want to know if you qualify?

Let’s take a look together. Our team can guide you through your options, so you can move forward with clarity and confidence. 

Find out if you qualify for Keystart today.

We’ll partner with you to see if Keystart is the right fit for you. After all, we believe that the perfect place is possible for everyone – and that includes finding the perfect financing solution.

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