Keystart

In response to the Reserve Bank of Australia’s decision to increase the cash rate, Keystart’s standard variable interest rate will increase by 0.25% pa effective from 14 October 2026.

You’ll receive an update from us soon to let you know your new minimum monthly repayment.

To learn more about interest rates, take a look at our financial wellbeing guide to interest rates on our website.

How Do Interest Rates Work | A Simple Guide | Keystart How do interest rates work and how is loan interest calculated? Our plain-English guide explains home loan interest rates so you can plan ahead with confidence.

We're aware of the Reserve Bank of Australia's announcement today to increase the cash rate.

Our interest rate policy is to adjust our standard variable interest rates based on the movement of the Reserve Bank of Australia’s official cash rate. We will announce the new rate and effective date on our website and on this page as soon as we can.

To learn more about our interest rate policy and managing interest rates, visit our website.

www.keystart.com.au/life-with-a-home-loan/your-financial-wellbeing/your-financial-wellbeing-guide-to-interest-rates

Statement by the Monetary Policy Board: Monetary Policy Decision | Media Releases Media Release – At its meeting today, the Board decided to increase the cash rate target by 25 basis points to 4.60 per cent.

Join us in Dowerin on 26-27 August, where you’ll find the Keystart team ready to chat about all things home ownership and answer any questions you may have.

Since 1989, we’ve helped more than 126,000 Western Australians into a home of their own with low-deposit home loans designed to reduce upfront costs and help make home ownership a reality for more people. Come and see us at the Lionel John Metcalf Pavilion (Zone 3, Stall 543) and find out if we can help you.

For more information, visit the Keystart website: https://www.keystart.com.au/

Keystart Home Loans | Low Deposit Loans in WA Make your home ownership dream a reality. Keystart offers low-deposit home loans designed to help Western Australians get into their home sooner.

We’re aware of the Reserve Bank of Australia’s announcement today to leave the official cash rate unchanged.

www.rba.gov.au/media-releases/2026/mr-26-19.html

Our interest rate policy is to adjust our rates based on the movement of the Reserve Bank of Australia’s official cash rate, meaning our standard variable interest rates will remain the same.

To learn more about our interest rate policy and managing interest rates, visit our website.

www.keystart.com.au/life-with-a-home-loan/your-financial-wellbeing/your-financial-wellbeing-guide-to-interest-rates

Statement by the Monetary Policy Board: Monetary Policy Decision | Media Releases At its meeting today, the Board decided to leave the cash rate target unchanged at 4.35 per cent.

Exciting news - we're expanding our Skilled Start Home Loan to support more early career frontline workers into a home of their own.

From today, eligibility for Skilled Start will expand to include anyone who has graduated in the past five years from the WA Police Academy or the WA Fire and Emergency Services Academy - opening up the opportunity for more early career police and emergency services personnel.

With a Skilled Start Home Loan, you only need a low 2 per cent deposit, pay no lender's mortgage insurance, and receive a 1 per cent discount on our standard interest rate.

Skilled Start is also open to anyone who has graduated from TAFE or university with a Certificate III or higher qualification, or completed their formal apprenticeship, in the past five years.

Visit keystart.com.au/skilledstart for more information.

Terms, conditions, fees and lending criteria apply. Australian Credit Licence 568102. Keystart is an initiative of the WA Government.

Skilled Start Home Loan | Keystart With a discounted interest rate, our low 2% deposit and no lender’s mortgage insurance, your home ownership dreams may be closer than you think.

Did you know changes in your property value can affect your home loan over time?

When the market changes, the value of your home may change too. Understanding how this can affect your loan can help you make more informed decisions.

Read our guide to learn more.

https://www.keystart.com.au/life-with-a-home-loan/moving-on-from-keystart/how-property-price-can-impact-your-home-loan

Looking for a home loan with low entry costs?

With a low 2% deposit and no lender’s mortgage insurance, Keystart's Low Deposit Home Loan reduces your upfront expenses and offers an alternative pathway to home ownership. This loan is available for both established and newly built homes.

Learn more on our website.
https://www.keystart.com.au/loans/low-deposit-home-loan

T&Cs apply. ACL 568102. Keystart is an initiative of the Western Australian Government.

Did You Know?

Keystart may be able to help you get into your own home sooner by lowering entry costs. We don't charge lender's mortgage insurance, and our low 2% deposit requirement reduces your upfront expenses.

Additionally, unlike other lenders, Keystart is a transitional lender, meaning we encourage you to transition your loan to another lender when you're ready.

That's what makes us different. Reach out via phone, email, or via our website, and find out if we can help you.

https://www.keystart.com.au/

Our Aboriginal Home Loan is designed to support Aboriginal and Torres Strait Islander people looking into a home of their own.

With full ownership and shared ownership options available, it can help you explore a pathway that suits your circumstances.

Read more on our website.

https://www.keystart.com.au/loans/aboriginal-home-loan

T&Cs apply. ACL 568102. Keystart is an initiative of the Western Australian Government.