Business Details
25 Years
experience
Low Deposit Home Loans for Western Australians
Keystart Home Loans has been dedicated to making affordable home ownership accessible for Western Australians since 2001. Our mission focuses on providing low-deposit home loan solutions that eliminate traditional barriers to property ownership. We specialize in innovative financial products including modular home loans, shared ownership arrangements, and tailored options for Aboriginal and Torres Strait Islander communities, as well as individuals with disabilities. Our team of housing finance experts combines deep industry knowledge with personalized support to guide clients through every stage of the home buying process.With a proven track record of helping thousands achieve their property goals, we maintain strict compliance with financial regulations while continuously developing flexible loan structures that meet diverse housing needs. Our commitment to transparency is demonstrated through comprehensive fee disclosures, educational resources, and financial wellbeing tools designed to empower informed decision-making.
Services
Low Deposit Loans
Shared Ownership
Modular Home Loans
Aboriginal Home Loans
Access Home Loans
Financial Coaching
Home Loan Calculators
Property Guides
Details
- Year established: 2001
Highlights and features
- We offer low 2% deposit home loans with no lender's mortgage insurance
- Our shared ownership model reduces entry costs through Housing Authority partnerships
- Specialized loan programs for Aboriginal and Torres Strait Islander communities
- Tailored solutions for individuals with disabilities requiring accessible housing
- Comprehensive financial wellbeing resources and expert home loan guidance
What people say
Supportive team
Helped achieve dreams
Stress-free process
Financial guidance
Flexible options
Services
Low Deposit Loans
Our low deposit home loans require just 2% of the property value, eliminating traditional mortgage insurance costs. This program helps Western Australians enter the property market sooner with reduced upfront requirements while maintaining competitive interest rates and flexible repayment options.
Shared Ownership
This innovative program allows the Housing Authority to co-own a portion of your property, reducing your loan amount and monthly payments. Homeowners maintain full residency rights while gradually increasing their ownership share as their financial situation improves over time.
Aboriginal Home Loans
Specifically designed for Aboriginal and Torres Strait Islander applicants, these loans offer both full and shared ownership options with dedicated support staff. The program recognizes cultural needs while providing accessible pathways to home ownership through reduced deposit requirements.
Access Home Loans
Tailored solutions for individuals with permanent disabilities requiring specialized housing modifications. This shared ownership program supports home adaptations or accessible property purchases through reduced deposit requirements and flexible loan structures.
Modular Home Loans
Specialized financing for modular construction projects with reduced deposit requirements. This program supports modern building methods while maintaining the same benefits as traditional home loans, including no mortgage insurance requirements.
Questions
What home loan options are available for first-time buyers?
We offer low deposit home loans with 2% minimum deposits and no lender's mortgage insurance. Our modular home loan option provides additional flexibility for new construction projects.
Can I use my First Home Owner Grant with Keystart Home Loans loans?
Yes, eligible applicants can apply their First Home Owner Grant towards the deposit for new home construction loans, helping reduce upfront costs.
Are investment property loans available?
No, we specialize in owner-occupier loans to support home ownership. Our programs don't include investment property financing options.
What support exists for Aboriginal and Torres Strait Islander applicants?
We provide dedicated Aboriginal Home Loans with both full and shared ownership options, featuring low deposits and specialized support from our experienced team.
How does the shared ownership program work?
The Housing Authority co-owns a portion of your property, reducing your loan amount. You pay for your share with no interest on the Housing Authority's portion.
What accessibility features are available for disability-related loans?
Our Access Home Loan supports home modifications for permanent disabilities, including wheelchair accessibility and specialized bathroom/kitchen adaptations through shared ownership arrangements.
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