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Keystart gives you a head start into home ownership.

Keystart is a WA Government initiative to help homebuyers get into their own home faster, by lowering the deposit needed to as little as 2% – lower than the deposit requirements of many lenders. Plus, with Keystart the First Home Owners Grant can count towards your 2% deposit. If you qualify, that could be your entire deposit right there!

Keystart’s interest rates are based on the average of the big four banks standard variable rate. Keystart is designed for lower entry costs rather than offering the lowest interest rate on the market. And with Keystart you don’t pay lender’s mortgage insurance or ongoing fees, so you save thousands over the life of your loan. Applying couldn’t be easier. Through our partner The Loan Company^, we can help you access a Keystart loan and First Home Owners Grant.

For more information about why you should choose Keystart, head to the Keystart’s website.

On your marks, get set, GO!

Key facts about

  • WA-only initiative that provides an affordable pathway into home ownership
  • Deposits as low as 2%
  • No lender’s mortgage insurance or ongoing fees
  • Interest rate based on the average standard variable rate of the big four banks
  • Transitional lender – you can refinance with a new lender anytime you’re ready

Smaller deposit. Bigger benefits.

Here’s how Keystart help you into your own home sooner:


Low deposit

It’s faster to save for your deposit than a loan with a big bank. Your deposit can be as low as 2%.


Use Grant as deposit

Your First Home Owners Grant can be used as part or all of your 2% deposit.


Saves money

With no lender’s mortgage insurance and no account keeping fees, you save thousands over the life of your loan.

Do I qualify?

If you will be living in the home you build and earn within the Keystart income limits, you may be eligible to build a property up to $480,000 in the Perth metro areas. Keystart has recently increased how much you can earn so even if you didn’t qualify before, you could be eligible now.

Contact us today to find out if you qualify.


$105,000 (maximum income)

Going solo


$130,000 (maximum income)

Going as a couple


$155,000 (maximum income)

Going as a family

The process from loan to GO


Do you qualify?

The first step is to see if you qualify.

Let’s find out right now.



Keystart tell you how much you can borrow. Your GO Homes representative will help you tailor a home to your budget.


Full loan approval

You’ve chosen your design and land. Now it’s time to sign the loan and mortgage documents.



The day the land is transferred in your name your settlement agent will liase with Keystart to take care of everything.


All systems GO

It’s time to start the pre-start process and building your GO Home.

*Terms and Conditions apply. Finance provided by Harrisdale Pty Ltd ABN 59 088 462 140 trading as The Loan Company. Australian Credit License number 386355.

Am I eligible?

Through our partnership with The Loan Company^, we can advise if you’re eligible for a Keystart loan.
Simply fill in your details below, and one of our specialists will get back to you.

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