Keystart Home Loans

Now Living Realty work with The Loan Company* and Keystart^ to sell both full and shared ownership homes, delivering 1100 sales over the past four years. Over 600 of these sales have been shared ownership through Keystart.

Keystart was formed to assist those West Australians who are not readily able to obtain finance through one of the more traditional lenders to buy a home of their own. Now Living Realty is proud to work alongside Keystart in assisting West Australians getting into their own home sooner.


Keystart Low Deposit Home Loan

Keystart’s Low Deposit home loan is available to both first homebuyers and subsequent homebuyers. This is a low deposit home loan and is available to help West Australians finance an affordable home where other home loan lenders may not be able to provide assistance. The Keystart Home Loan is only available for owner-occupiers to buy an established home, build a new house, or in the case of Now Living Realty, can purchase a brand new completed home.

  • Requires a 2% deposit and genuine savings
  • No lenders mortgage insurance
  • A maximum qualifying income $105,000 for singles, $130,000 for couples and $155,000 for families
  • Loans to those who have had defaults or been bankrupt


SharedStart Home Loans

One of the available home loans is the SharedStart Home Loans. This home loan is designed to help low to moderate-income earners for first and subsequent homebuyers. Under this home loan and scheme, properties are only available from the Housing Authority and include newly built homes and off-the-plan properties in a variety of areas around Western Australia. Keystart will provide the loan of your share of the property, up to 30% unless stated otherwise.
The SharedStart home loan requires:

  • Requires a 2% deposit and no genuine savings
  • No lenders mortgage insurance
  • Maximum qualifying income $70,000 for singles and $90,000 for couples and families

To find out more information, make the good choice in property and contact us today. One of our sales representatives will then pass you onto one of our accredited finance professionals at The Loan Company to help you with your finance journey.


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*Harrisdale Pty Ltd trading as The Loan Company. Australian Credit Licence Number 386355

^Keystart Loans Ltd Australian Credit Licence 381437. Now Living Realty provides Keystart with referrals, who is the provider of credit assistance. Now Living Realty does not receive any benefits from this relationship.