The Department of Communities offers a range of home ownership products through its lending provider, Keystart. An initiative of the State Government, Keystart was established in 1989 to provide low-deposit home loans to Western Australians who were unable to meet the deposit requirements of mainstream lenders.
Keystart helps eligible people buy their own homes by offering an affordable pathway. Keystart's home loans have lower entry costs, with a low deposit requirement and no lender's mortgage insurance. Keystart provides full ownership and shared ownership home loans. Specific home loan assistance is also available for sole parents trying to retain the family home, people living with a disability that affects housing needs, and Aboriginal applicants.
To date, Keystart has helped more than 118,000 WA households realise their home ownership dream.

For more information on Keystart's loan products and eligibility requirements, contact Keystart on 1300 578 278 or visit​​​​​​​

Keystart's Australian Credit Licence: 381437


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