Keystart Home Loan Rates
Keystart is one of the Australian home-loan lenders we track daily. We currently surface 8 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 is the lowest Keystart home loan rate?
The lowest Keystart variable home loan rate Ratesniffers tracks is 6.60% p.a. These figures come from the 8 Keystart products on this page, ranked by comparison rate, last verified 29 Apr 2026.
How many home loan products does Keystart offer?
Ratesniffers currently tracks 8 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.
0 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.
Negotiate Keystart rates with a broker
Advertised rates aren't always the rate Keystart actually approves. Our broker negotiates against your specific scenario, no fee.
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 home loans: frequently asked questions
What is the lowest Keystart home loan rate?
How does Keystart's home loan rate compare to the market?
How many home loan products does Keystart offer?
Is Keystart competitive for refinancing?
How often are Keystart's home loan rates updated?
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