Keystart is a Western Australian Government initiative that can help make home ownership more achievable. It offers low-deposit home loans and removes the need for lender’s mortgage insurance (LMI), helping reduce the upfront costs of buying a home.

For many buyers, that can mean getting into the property market sooner and keeping more money in their pocket.

We’ll help you explore whether Keystart is the right fit for your situation. Our role is to explain your options, answer your questions, and help you find a finance solution that supports your goals.

Because owning your own home should feel achievable, and we’re here to help you get there.

Find the right path to home ownership

Whether you’re buying with a smaller deposit, eligible for industry-specific support, or looking at shared equity options, we’ll help you understand what’s available and what suits your situation.

Low Deposit Home Loan

The Low Deposit Home Loan can help make home ownership more achievable, with a lower upfront deposit and fewer costs to get started.

  • Just a 2% deposit required, compared to 5% with many major banks
  • Use your First Home Owner Grant (FHOG) towards your deposit
  • No Lenders Mortgage Insurance (LMI), which could save you thousands
  • No monthly account fees
  • No genuine savings required

Shared Equity Loan

The Shared Equity Home Loan can help make home ownership more achievable. With this scheme, Keystart contributes towards the purchase of your home and shares ownership of the property with you.

  • Keystart can contribute up to $250,000 towards your home loan
  • Just a 2% deposit required
  • Use your First Home Owner Grant (FHOG) towards your deposit
  • No Lenders Mortgage Insurance (LMI), which could save you thousands
  • No monthly account fees

Skilled Start Home Loan

FIFO Home buyer walking into home after a long day at work

Designed for apprentices, graduates, skilled construction workers, and frontline workers, the Skilled Start Home Loan can help make home ownership more achievable.

  • Just a 2% deposit required
  • Use your First Home Owner Grant (FHOG) towards your deposit
  • No Lenders Mortgage Insurance (LMI), which could save you thousands
  • No monthly account fees
  • Access a discounted variable interest rate

Can you apply for Keystart?

There are requirements you must meet to qualify for Keystart.

These include:

  • You must be at least 18 years or older
  • You are an Australian Citizen or an Australian Permanent Resident
  • You must be living in Western Australia and want to buy or build here
  • Have income that meets the required income limits
  • Plan to live in your home for the duration of your Keystart loan
  • Not own land or another home at the time of settlement of your Keystart loan
  • Have enough funds to cover all the associated costs with the purchase – your deposit, fees, and any of the moving costs!

Find out if you qualify for Keystart today.

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Yes, you can build while you’re still renting.

Paying rent and a mortgage at the same time can feel overwhelming. That’s completely normal. The good news? There’s a structure in place to make this stage manageable.

How does it work?

Once your land settles, your construction loan begins. But during the build, you won’t be paying a full mortgage.

Instead, Keystart requires a flat $400 per month while your home is under construction.

You can choose to make those payments weekly, fortnightly, or monthly – whatever works best for your budget.

No Savings? No Problem.
Get started with $2k.