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 September 14, 2021]

About Keystart

Since its launch in 1989, Keystart has helped more than 85,000 people in West Australia to make their dream of homeownership a reality.

We provide home loans online with low deposit to those who cannot access the loans offered by banks due to their high deposit requirements.

Unique home loans

Our low deposit scheme offers home loans with a deposit of 2% in the metropolitan area and of up to 10% in the different regions of West Australia. First time home buyers can use the first homeowner grant for paying the deposit.

No borrowers mortgage insurance

In this way, we save clients up to $10,000. There are no ongoing monthly fees for account keeping.

Since 2010, we have been operating an educational program designed to help people who are not financially prepared to become eligible for a Keystart home loan. The program has 600 participants and has achieved major success.

Keystart Services

Keystart is the major provider of home loans with a low deposit in West Australia.

We understand that not everyone can save enough money to pay the high deposit which is required for accessing the mortgage products of the major commercial lenders.

That is why we offer an alternative

You can select from a wide range of easy online loans depending on your individual needs and requirements. We will take the time to look into your financial situation and future plans in details to come up with the most perfect home finance solution for you.

First & second time home buyers

We work with buyers who plan to buy their first house and with those who plan to purchase a second home.

We have helped tens of thousands of people to become homeowners. It is your turn now. If you cannot qualify for a home loan given your current financial position, you can join our educational program which will help you to get approved.

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

The Keystart ‘Low Deposit’ home loan in East Perth can offer a variable term loan that can be utilized by owner-occupiers to new homeowners. it's on the market to all consumers and we lend across the Australian state.

A chance for all to get their own home

At Keystart we offer a wide variety of home loan choices for initial and subsequent homebuyers as well as to those who dream of owning their own home or maybe trying to enhance their quality of living.

Keystart was established in 1995 and is intended to coach, support and supply a chance for all clients to afford to purchase their own homes.

Obtain a key facts sheet

The following info is needed for the generation of a Key Facts Sheet. Please remember that most loan amounts could apply to Keystart loans. Please visit our home loan merchandise page for details.

All home loan Key fact Sheets contain the data which is able to help you to match home loans facet by facet, you'll clearly see the distinction between loans.

Info contained within the Key Fact Sheets include:

  • whether or not any fees apply to the loan options available
  • whether or not there are current fees for that specific loan
  • What the repayments would be monthly and every year
  • the overall quantity to be paid back over the lifetime of the loan.

The information relies on interest rates and charges and charges that apply at the date of production of the house Loan Key reality Sheet.

Get the loan option that best suits you. 

The number of repayments shown also will modify and change if rates or fees and charges are varied, or if a special product, loan term or loan quantity is employed. We have a team of consultants on board to answer any of your questions and assist you through the entire home loan process.

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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, as well as the National Consumer Credit Protection Regulations 2010, 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