Our low deposit home loans with no lender's mortgage insurance mean low entry costs, so you get into your own home sooner. Our team will support you all the way through the process. Warning: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates.
Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Keystart is unique in the home loan market. Our loans are designed to help you get into your home faster by lowering the entry costs.
Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Keystart is unique in the home loan market. Our loans are designed to help you get into your home faster by lowering the entry costs.
Services
Learn how Keystart is making the dream of affordable home ownership a reality for thousands of Western Australians. Keystart's vision is clear. We're passionate about making the dream of affordable home ownership a reality for more people. Start your career with Keystart's first graduate program. Our graduate program is designed to provide you with an exciting opportunity.
We think it's important for clients to be able to tell us what it is that we do well and what we could do even better. Your point of view is important to us. We read every response we receive. Any insights you provide will be used to develop our services and standards across the business, so feel free to get in touch.
We're here to support you through your home ownership journey. Explore our guides and quick links, access the client portal or get in touch with us today. Once you have your loan up and running, there are several things you need to be aware of in order to get the best out of it. Find out how much your home loan repayments could be and how much you could save if you make extra repayments.
Keystart is committed to providing an affordable pathway into home ownership. All Keystart loans have lower entry costs, with our low deposit requirement and no lender's mortgage insurance, so you can get into your own home sooner. Keystart is unique in the home loan market. Our loans are designed to help you get into your home faster by lowering the entry costs.
We believe affordable home ownership should be available to everyone, that's why at Keystart, our loans have lower entry costs so you can get into your own home sooner, with a low deposit and with no lender's mortgage insurance, potentially saving you thousands. We offer a variety of home loans, designed to support different households and types of homes.
Reviews (10)
Lyle Flynn
Jan 12, 2022
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Katie Thomas
Jan 11, 2022
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I've had a positive experience with Keystart as I've been able to get into my own home sooner and communication was always very simple. The only downfall is they have a lot of extra requirements compared with other lenders and my property was undervalued, meaning I had to pay a large shortfall at short notice; this was extremely stressful. Overall I am thankful for the opportunity given to me as a first home buyer with a low deposit.
Sam
Oct 28, 2021
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F. Ameb Y.
May 25, 2021
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We have had nothing but back and forths over 3-4 months with keystart. From simple variation rejections to just little to no communication from keystart. They have made everything along our way to formal approval confusing to becoming a downright joke. Even if you approve us for a loan keystart I would never recommend putting someone through the anger and patience it takes for something quiet simple.
Roh Ini
Apr 11, 2021
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Keystart helped me to get into my first home with shared equity and no LMI. The staff at Keystart have always been prompt in responding and very helpful. I cannot thank Chris enough for her reassurance, professionalism and for going above and beyond to answer all my queries in a detailed but easy manner when I was ready to refinance.
Shannon Prince
Feb 06, 2021
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I was a bit hesitant for a while there whilst multiple documents had to be consistently sent off for clarification and or approval.
I think new applicants need to mindful of just how busy lenders are at these times and show a little patience.
A special shoutout to Jade who was extremely diligent with regards to ensuring that there was complete transparency and ensuring any issues where rectified in a timely manner.
Now that all the conditions have been met for pre-approval, I look forward to a swift issuance of loan documents and a timely settlement.
Customer ID: 94373928
I think new applicants need to mindful of just how busy lenders are at these times and show a little patience.
A special shoutout to Jade who was extremely diligent with regards to ensuring that there was complete transparency and ensuring any issues where rectified in a timely manner.
Now that all the conditions have been met for pre-approval, I look forward to a swift issuance of loan documents and a timely settlement.
Customer ID: 94373928
Won Won
Oct 03, 2020
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Have found them very helpful and easy to deal with. Yes you pay a higher interest rate but that should be made clear by a mortgage broker or by doing your own research, the interest rates arent hidden information.
We have re-financed with a bank now but would not have been able to start the journey without Keystart.
We have re-financed with a bank now but would not have been able to start the journey without Keystart.
Rachel Petch
Sep 19, 2020
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Keystart tout themselves as a transitional lender and advertise that they encourage owners to refinance when possible. This has not been my experience at all. My husband and I have worked really hard saving and have gone through months of processes in order to refinance. Over a month ago we handed in our mortgage discharge papers, and from what I understand since then keystart and the housing authority have done nothing with those papers. When a settlement date was requested, they now advise that they will most likely need another further 6 weeks to process my mortgage discharge and will not name
Sharonanne
Aug 20, 2020
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Had a great experience getting a home loan through Keystart, all the terms and conditions were well explained. Yes you pay a little higher interest rate, however the deposit is lower and no mortgage insurance needed. Can’t thank Radloff enough for his customer service and help throughout the process of obtaining approval through to settlement.
Tim Stuurstraat
Jun 18, 2020
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Have been with Keystart for many years. They started off great. Redrawing was never an issue just a simple phone call. Im almost 170k in advance in my payments. I asked for 5k back as I would like to do some work on my house and was denied. Apparently they have changed the re draw policy. Thats not the contract I signed. Off to Westpac now bye bye
