First Home Buyer Grants WA › What is Keystart and how does it help WA buyers?

What is Keystart and how does it help WA buyers?

Keystart is the Western Australian Government lender, offering low deposit home loans with no lenders mortgage insurance, subject to income and property price limits.

Written by Ross McFarlane, Licensed Mortgage Broker (Credit Representative 526725). About the author

Why this matters

Keystart exists to get Western Australians into a home sooner with a smaller deposit and no lenders mortgage insurance, which on a low deposit purchase is a real saving. Because it is income and price limited, many buyers later refinance to a mainstream lender as their equity grows.

The key points

WA Government lender, low deposit, no LMI.
Income and property price limits apply.
Often refinanced to a mainstream lender later.

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More first home buyer grant questions in Western Australia

Back to the full First Home Buyer Grants Western Australia guide

General information only. This page provides general information based on first home buyer settings current in 2026. It is not financial advice, a quote, or a guarantee, and your personal circumstances have not been considered. Grant amounts, caps, eligibility and scheme places change and vary by circumstance, and some help applies only to new homes. Always confirm current grants and your eligibility with RevenueWA, Housing Australia, or a licensed mortgage broker. Ross McFarlane (Credit Representative 526725) is an authorised Credit Representative of Australian Associated Advisers Pty Ltd t/a Keylend, Australian Credit Licence 392169.