Keystart Home Loan Rates
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
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?
Ratesniffers compares Keystart home loan products by comparison rate. Compare Keystart's product rates and conditions in the table. A verified example for this loan scenario is unavailable. 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.
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 8 Oct 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.