

No Savings, No Guarantor Bunbury WA

Find out if you qualify for a new home
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- First Homebuyer Grants
- No & Low Deposits
- Keystart Homeloans
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First Home Owner Grants

Keystart Home Loans
Along with the available grants for first home buyers, WA home buyers can apply for a Keystart home loan which only requires a minimum 2% deposit. This no savings home loan option can allow for your deposit to be taken from the First Home Buyers Grant. This can help in ensuring there’s no lenders mortgage insurance (LMI) which can save you thousands. Keystart’s low deposit home loans are a popular option but may not suit everyone, so it’s worth listening to advice from the experts.

Get Started with a No or Low Deposit Home Loan Today

Home Loan FAQs
Low & No Deposit Home Loans
Keystart offer low deposit home loans where they lend 98% of the purchase price. That means you’ll only require a 2% deposit to get started!
Here at Home Group, we have finance specialists from Home Finance WA that specialise in construction-based lending and can find the finance solution and package that best suits you! We have exclusive relationships with Keystart and major home lenders and we can ensure you have access to all the relevant government grants.
There are plenty of benefits to securing a low deposit home loan with Home Group WA. These include:
- Achieving your home ownership goals sooner
- Getting into the market quicker
- You can stop paying rent (and someone else’s mortgage)!
Pros
- Get into your home sooner
- Stop wasting money on rent
- Home Finance WA can help you choose the right product to suit your low deposit finance lending
Cons
- Only some lending bodies have these type of loans
- In some cases, you may pay a high interest rate initially
Speak to our in-house brokers from Home Finance WA who specialise in construction-based lending.
Yes, it could! First step is finding out if you qualify for a low deposit home loan. Our skilled qualifiers can assist you with this. They will then pass your details onto one of our home loan specialists who can discuss finance solutions for your individual requirements.
First Home Buyers
The First Home Owner Grant (FHOG), often referred to as the first home buyers grant, is a one-off payment from the WA Government to encourage and assist people to build their first home. You can also use it to secure a house and land package.
The First Home Owner Grant is $10,000.
In order to be eligible for the FHOG, you must be at least 18, an Australian citizen or permanent resident, and:
- haven’t received it previously
- haven’t owned a residential property anywhere in Australia before 1 July 2000
- haven’t owned residential property anywhere in Australia on or after 1 July 2000 and occupied that property as a place of residence before 1 July 2004
- haven’t owned residential property anywhere in Australia on or after 1 July 2000 and occupied that property as a place of residence for a continuous period of at least six months that began on or after 1 July 2004.
Yes, your broker can also assist with lodging this application.
The maximum you can spend on your first home to remain eligible for the FHOG is $750,000 in the South West area.
Keystart
Based on a $350k house and land package, the minimum earning requirement is $60,000 PA.
First step is finding out if you qualify for a Keystart home loan! Our skilled qualifiers can assist you with this. They will then pass your details onto one of our specialists who can discuss finance solutions for your individual requirements.
Keystart home loans are available to anyone who does not currently own a home.