Like you, Keystart Home Loans are unique. For starters, they don’t come from a bank. Funded by Western Australia, for West Australians, they only require a deposit of 2%.
Oh, and they’re a transitional lender, so Keystart actually encourage you to refinance with another lender with a lower interest rate as soon as you can.
If you’re an Australian citizen or permanent resident, over 18, and earn less than $105k for singles or $155k for families, there’s a good chance you’re eligible for a Keystart Home Loan.
The Debt Servicing Ratio (DSR) requirement was removed a few years ago too. So if you have a car loan, personal loan or credit card which exceeds 10% of your monthly income, you’re still eligible.
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