Keystart is one of the Australian home-loan lenders we track daily. We currently surface 14 active products from Keystart, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.
What are Keystart home loan rates?
Keystart home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.85% p.a., last verified 30 Aug 2026. Compare Keystart against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest Keystart home loan rate?
The lowest Keystart variable home loan rate Ratesniffers tracks is 6.85% p.a. These figures come from the 14 Keystart products on this page, ranked by comparison rate, last verified 30 Aug 2026.
How many home loan products does Keystart offer?
Ratesniffers currently tracks 14 Keystart home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
14 Keystart home loan products
No active products surfaced. This lender may have paused new lending or recently been removed from our index, check back tomorrow.
Who is Keystart?
Keystart is Western Australia's government-backed lender, established in 1989 to get low and moderate income earners into home ownership. Its signature is the low deposit: from 2% in the Perth metro area, with no lenders mortgage insurance, under income caps that are reviewed by the state government.
It is designed as a transitional lender: rates sit above the sharpest market pricing, and borrowers are encouraged to refinance to a mainstream lender once their equity and income allow.
Who suits a Keystart home loan?
Keystart tends to suit West Australians who can service a loan but cannot save a 10 to 20% deposit, including buyers who don't qualify for enough under the federal Home Guarantee Scheme. Plan the exit: once you hold enough equity, refinancing to a sharper mainstream rate from the table above is the intended next step.
Background facts checked 21 July 2026. Rates above refresh independently.
Keystart fees, offset and limits at a glance
Application or establishment fee
$600 plus valuation fee. Valuation fee may be more in some country areas
Discharge fee
$328.95
Settlement fee
$0
Additional valuation fee
$250
Maximum total lending
Same as max individual borrowings amount
Checked 4 Sept 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
Keystart home loans: frequently asked questions
What are Keystart home loan rates?
Keystart home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 6.85% p.a., last verified 30 Aug 2026. Compare Keystart against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a Keystart balance, use /calculators/extra-repayment.
What is the lowest Keystart home loan rate?
Keystart's lowest variable home loan rate is currently 6.85% p.a., based on the 14 Keystart products Ratesniffers ranks by comparison rate, last verified 30 Aug 2026. The advertised rate isn't always the rate Keystart approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 Keystart home loan?
At Keystart's lowest variable rate of 6.85% p.a., a $600,000 principal and interest loan over 30 years repays about $3,932 a month, and $500,000 about $3,276. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 Keystart home loan?
There is no single salary. Like every Australian lender, Keystart must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 6.85% p.a. is assessed at about 9.85% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does Keystart's home loan rate compare to the market?
Keystart's lowest variable home loan rate today is 6.85% p.a., which is 61 basis points above the market median of 6.24% p.a., so there are sharper variable rates available elsewhere today, and it's worth comparing or asking Keystart to match a lower rate. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Keystart sits right now rather than a fixed snapshot.
How many home loan products does Keystart offer?
Ratesniffers currently tracks 14 Keystart home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is Keystart competitive for refinancing?
It depends on your loan size and LVR. Keystart's lowest comparison rate is currently 6.89% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Keystart against the sharpest available rate usually pays off.
How often are Keystart's home loan rates updated?
Ratesniffers last verified Keystart's home loan rates on 30 Aug 2026. Rates can change whenever Keystart reprices or the RBA moves the cash rate, so always confirm the current rate with the lender before acting.
