Keystart Home Loans

Make the South West your home much sooner, with the help of a low deposit Keystart home loan.

Getting you into your home quicker

Keystart is a West Australian government initiative that provides an affordable pathway into home ownership. With much lower entry costs and deposit requirements compared to most traditional lenders, the scheme has helped thousands of people get their foot in the door by getting them into their own homes.

If you’ve been dreaming of living the quintessential South West lifestyle, Keystart could be for you. Forget saving up for years, with Keystart home loans you only need a 2% deposit – that means date nights at local Margaret River wineries, afternoons spent at Dunsborough beaches and Saturday arvo barbeques could be a reality much sooner than you think. You could be entertaining your friends in your dream home or having family dinners in your alfresco space in no time. Plus, if you’re a first home buyer, you could use the First Home Owners Grant as your deposit.

Ventura Homes Kitchen

But what’s the catch?

The best thing about Keystart is that it really is all about helping you get started on your home ownership journey. In addition to the super low deposit, you’ll also pay no lender’s mortgage insurance (LMI) and no monthly account keeping fees. You also won’t be locked into your loan, with Keystart you’re able to refinance with another lender when you’re ready. There are however some eligibility requirements you’ll need to meet.

Do I Qualify?

There’s a few boxes you’ll need to tick to apply for a Keystart home loan. To be eligible you need to be...

  • 18 years or older
  • An Australian citizen or permanent resident
  • Living in WA and wanting to buy or build here
  • Looking for a home to live in
  • Not own another home when your Keystart home loan settles
  • Meet our maximum limits

Income Limits

Single

$105K (Max Income)

Couple

$130K (Max Income)

Family

$155K (Max Income)

Ready to get started?

The team at Ventura South West can help. Our in-house finance team can run you through your finance options and will be there every step of the way, from application to approval. So what are you waiting for? Your dream home in the South West is waiting for you.

  • By submitting this form, you acknowledge that you have read and agree to our Privacy Policy and that you consent to receiving future updates and marketing communications from us and in doing so, you can unsubscribe at any time.
  • This field is for validation purposes and should be left unchanged.

FAQ’s

Find the answers to some of the most common questions asked by first home buyers, or get in touch with our expert team to learn more!

What is Keystart about?

Keystart was established in 1989 to provide West Australian’s with an affordable pathway into homeownership, even when they might not qualify for a loan from a traditional lender. Their low deposit home loans have helped more than 100,000 West Australian’s get into a home of their own.

How long does Keystart pre-approval take?

It usually takes just 20-30 minutes to find out if you may qualify for a Keystart loan. You’ll just need to answer a few simple questions about your financial situation.

Is the interest rate higher on a Keystart loan?

Keystart bases their interest rate on the standard variable rate of the big four banks in Australia. Keystart focuses on saving you money on the upfront costs of buying a home, like your deposit and LMI and are designed to be a transitional lender – they encourage you to refinance later on. That said, currently their interest rate is below the standard variable rate of most traditional lenders.

Looking for a house and land package?

We have over 100 affordable house and land packages available in Perth and the South West.

Find out more

Find out more

To receive further information, simply leave your details below and we will be in touch shortly.
  • By submitting this form, you acknowledge that you have read and agree to our Privacy Policy and that you consent to receiving future updates and marketing communications from us and in doing so, you can unsubscribe at any time.
  • This field is for validation purposes and should be left unchanged.

Do I Qualify?

Owning your own Ventura South West home is closer than you think. For a quick and easy way to work out your home loan options, and borrowing capacity, simply fill out some key details – and our inhouse finance team will do the rest!
  • Your Details:


  • Your finances:


  • Tell us more about your situation

  • This field is for validation purposes and should be left unchanged.

Stay in touch

Subscribe for news & inspiration from Ventura Homes

  • By submitting this form, you acknowledge that you have read and agree to our Privacy Policy and that you consent to receiving future updates and marketing communications from us and in doing so, you can unsubscribe at any time.
  • This field is for validation purposes and should be left unchanged.