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Keystart home loan

Keystart home loans have made home ownership possible for thousands of West Australians through their unique lower deposit scheme.

A Keystart home loan is a variable interest rate loan that is a great option for those living in Perth, who meet the lenders criteria, and also have limited savings. If eligible, a Keystart home loan can be secured with a deposit as low as 2%. However, you must have at least 1% in genuine savings. In addition to securing a home with limited savings, a Keystart home loan offers the following features:

  • Reduced repayments during construction.
  • No Lenders Mortgage Insurance which can save you thousands.
  • No ongoing monthly account keeping fees.


Since May 2019 Keystart’s lending criteria increased, now singles in metro areas earning up to $105,000 and couples earning up to $130,000 are eligible. Families with an income lower than $155,000 may also apply.

At Resolve Finance, our goal is to make home ownership a reality for everyone. Get in contact with our mortgage brokers in Perth today to see if a Keystart home loan is right for you.

*Keystart Home Loans are available in Western Australia only. Should you opt to make reduced repayments during construction, the balance of the loan repayments will be added onto the outstanding loan balance at the end of construction and your loan repayments will be adjusted accordingly.