Keystart • Help to Buy • 5% Government Schemes
Low Deposit Home Loans in Perth
Buy sooner — even with a small deposit.
Perth’s property market is moving fast. We specialise in Keystart, Help to Buy, 5% government schemes and low-deposit options that help first-home buyers get into the market sooner without compromising long-term strategy.
What’s available right now for Perth buyers?
We cover:
WA Keystart (Shared Equity & Standard Loans)
Federal Help to Buy scheme
First Home Guarantee (5% deposit, no LMI)
Family Guarantee (if buying with a parent)
Lender-specific low-deposit products
Each option has benefits — and limitations. We help you understand which fits your income, deposit, and long-term goals.
Option breakdown
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Keystart Home Loans (WA only)
Best for: Low deposit buyers, moderate income, new & established homes
Deposit required: As low as 2%
Pros:Low deposit
No LMI
Flexible policy for certain incomes
Cons:
Higher interest rates
No refinancing until LVR improves
Need to meet income caps
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Help to Buy (Shared Equity)
Best for: People wanting lower repayments
Structure: Government co-owns up to 40% of the property
Pros:Much lower repayments
Lower deposit
Strong for affordability
Cons:
Equity share
Must buy under certain thresholds
Exit strategy matters
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5% First Home Guarantee
Best for: First-home buyers with <20% deposit
Pros:No LMI
Standard lenders
Better long-term interest savings than Keystart
Cons:
Limited places
Must meet criteria
Doesn’t apply to all property types
Which option is right for you?
It depends on three things:
Your deposit (2%? 5%? 10%?)
Your income & borrowing capacity
What type of property you’re buying
We run all three and show you the total cost, monthly repayments and 3–5 year strategy — including which option lets you refinance sooner.