WA · Owner-occupier · Updated September 2026

Western Australia Owner-Occupier Home Loans, September 2026

Owner-occupier home-loan pricing is generally national, so buying in Western Australia does not by itself change a lender's advertised rate. What changes in WA is the cash required at settlement: stamp duty, first-home-buyer assistance and the local Home Guarantee Scheme price cap. Compare rates nationally, then apply the state rules below.

Compare live owner-occupier rates80+ lenders · ranked by comparison rate · no paid placement

Owner-occupier in WA

What changes when you compare owner-occupier loans in Western Australia

Owner-occupier pricing in the live comparison linked above is national, the rate is the same buying in Perth as it is anywhere else. What does change is the cash going in. WA buyers can combine the Up to $10,000 First Home Owner Grant with the state stamp duty concession (full exemption on new or established homes ≤ $450,000; concessional rates from $450,000 to $600,000) and the federal Home Guarantee Scheme cap of $850,000 (Perth) / $600,000 (rest of WA). Those three together can shift your minimum deposit by tens of thousands without ever changing the advertised rate itself. Keystart Home Loans also runs in WA for eligible buyers, see the panel below.

Source: wa.gov.au · Verified July 2026. Cap data from Housing Australia. See also our stamp duty calculator.

Comparing by deposit size: 80% LVR (no LMI), 90% LVR (LMI required), 95% LVR (Home Guarantee Scheme eligible) for Western Australia.

Federal scheme · Available nationwide

Australian Government 5% Deposit Scheme, no LMI

Buy a home with as little as a 5% deposit without paying Lenders Mortgage Insurance, the federal government guarantees the rest. Since 1 October 2025 the scheme has unlimited places, no income caps, and significantly higher property caps. The property must be your principal place of residence (no investors).

First home buyers

5% deposit, no LMI

Scheme places

Unlimited, no waiting list

Single parents

2% deposit, no LMI

Source: firsthomebuyers.gov.au · Verified July 2026

Your state, pick to see grants & concessions

State schemes · Western Australia

First home buyer benefits in Western Australia

First Home Owner Grant (FHOG)

Up to $10,000, Buying or building a new home. For transactions commencing from 7 May 2026: ≤ $800,000 south of the 26th parallel (includes Perth metro) / ≤ $1,000,000 north of the 26th parallel. The southern cap was $750,000 for transactions before that date.

Stamp duty concession

Full exemption on new or established homes ≤ $450,000; concessional rates from $450,000 to $600,000.

5% Deposit Scheme property cap

Maximum property price for the federal 5%-deposit scheme in Western Australia: $850,000 (Perth) / $600,000 (rest of WA).

State program, Keystart Home Loans

WA-government-owned lender. Offers home loans with deposits as low as 2% with no LMI for eligible WA residents. Income and property caps apply. Visit Keystart Home Loans →

Source: wa.gov.au · Verified July 2026. Grant amounts and property caps change, confirm with the linked source before applying.

Want help stacking these schemes for your scenario? Talk to a broker →