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Keystart Home Loans

Low Deposit Finance Made Easy!Do You Qualify?

  • We make the journey easy
  • Keeping it simple for WA home buyers
  • Let's see if you qualify.
  • We make the journey easy
  • We’re crunching the numbers now. Submit your info to see if you qualify.

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Low Deposit Finance Made Easy!

Building a new home can be a daunting process, especially finding a finance option that suits your individual circumstances, amongst the huge number of products in the marketplace. It can certainly feel like navigating your way through a minefield at times!

Thankfully, the team at Dreamstart Homes, coupled with our in-house brokers at Finance 365, can offer a number of different loan products, each designed to make getting into a new home easier.

One of our most popular lenders is Keystart, a lender who specialises in low deposit home loans for first and second homebuyers.

Keystart is a Western Australian Government Initiative that provides home loans to those that may not meet the deposit requirements of mainstream lenders.

Keystart offers low deposit home loans without the added expense of lender’s mortgage insurance or pesky account keeping fees, potentially saving you thousands of dollars over the term of your loan!  Keystart home loans also offer the following features:

  • 2% total deposit required with no requirement for genuine savings
  • Reduced repayments during Construction*
  • Loans to those who have had defaults or been bankrupt

In a time where many lenders are tightening their lending criteria, Keystart is expanding theirs. In 2019, the income limits that determine Keystart eligibility are increasing, so if you haven’t met the requirements before (even as recently as a few weeks ago), it might be worth giving it another go!

The new income limits for Keystart loans, for people living in the Perth metro area, as of 1st July 2019 are:

  • Singles earning up to $105,000, up from $90,000
  • Couples earning up to $130,000, up from $115,000
  • Families earning up to $155,000, up from $135,000

There are a few boxes you have to tick to qualify for a Keystart loan, such as being an owner occupier and meeting the above income criteria, however one of our friendly Home & Land Specialists would be more than happy to assist you with this process, either in person or over the phone. This enables you to spend less time worrying about finance and more time designing your dream home, which is where the fun really begins!

Finance 365 is an Authorized Credit Representative of Finsure Finance and Insurance Pty Ltd 2012 Australian Credit Licence 384704.

 

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