Making your perfect of house ownership a real possibility

Our low deposit mortgage loans without any loan provider’s home loan insurance coverage means reduced entry expenses, so that you go into your home that is own sooner. All of us will you most of the method through the procedure.

Just how can you are helped by us?

Contrast price

Warning: This comparison price is applicable simply to the example or examples offered. Various quantities and terms can lead to various contrast prices. Expenses such as for example redraw charges or very early payment costs, and value savings such as for example charge waivers, aren’t included in the comparison price but may influence the price of the mortgage.

Keystart income limits extended and extra money

Experienced, trusted and super helpful.

We are passionate about working out for you on your own house ownership journey.

Why we are various

Keystart is exclusive within the mortgage loan market. Our loans are created to help you to get into the home quicker by reducing the entry expenses. Unlike other lenders, Keystart is a lender that is transitional. This implies we encourage you to refinance with another loan provider, if you are prepared to do this.

Your home loan procedure

Getting the own house is an exciting time. It is a step that is big takes you on a serious journey.

Would you qualify?

We consider assisting you to begin house ownership. We now have a few eligibility requirements – you will find away we call this pre-qualification) in five minutes if you qualify.


Discover how much it is possible to borrow just before begin house hunting – so that you know exactly how much you really can afford before you add in an offer!

It will require 20-30 moments to accomplish online, or perhaps you can phone 1300 578 278 to speak to certainly one of our staff that is friendly for.

Formal loan approval

Therefore, you have made an offer that is successful a home. Exciting times! Now you want to satisfy any outstanding conditions that are pre-approval therefore we could go onto formal approval.

Loan and home loan papers are going to be provided for one to signal. These will form the agreement between both you and Keystart.


Once you receive your loan and home loan documents, Keystart’s settlement representative will liaise along with your settlement representative to organise settlement.

A romantic date will be set to move the house into the title. When settlement has happened it is possible to transfer to the new house!

Manage your loan

We seek to support you during your mortgage loan journey. The applying procedure is simply the beginning. Now you shall start to handle your house loan.

Why don’t we get going

Just how much am I able to borrow?

By providing us a couple of details that are basic we could inform you simply how much maybe you are in a position to borrow.

Prepared to use or want pre-approval?

You could begin the application or simply determine if you qualify.

Compare our mortgage loans

Learn more about Keystart’s mortgage loans.


We’ve come up with some guides to handle your big concerns, from whether or not to build or purchase, right through to helpful tips to tools that are budgeting.

What exactly is equity and just why could it be essential?

Equity could be the distinction between the worth of your house therefore the quantity your debt about it. There are two main main techniques to build equity at home. Your equity increases as you pay back your house loan, or if the worthiness of your property increases.

Contrast price

A tool that can help you determine the genuine price of financing since it includes both the interest and charges and charges associated with a loan, paid off to a solitary portion figure. An evaluation price lets you compare ‘apples with oranges’ and also make an even more informed choice whenever selecting a mortgage. The price are going to be a portion price per year according to particular charges and fees alongside the compounding frequency as outlined within the credit Code (Code).