Urban Connect Shared Equity
Get into a home of your own sooner with a property price limit of up to $730,000 with Housing Authority co-owing a share of the property with you, acting as a silent partner to help.
Designed to help you get into a home of your own sooner with the help of Housing Authority.
Loan features:
- Available for apartments, townhouses, villas and units (single storey or multi storey with a maximum of two levels per dwelling)
- Low 2% deposit, meaning less time to save
- No lender's mortgage insurance, saving you thousands
- No monthly account keeping fees
- If eligible, use your first home owner grant (FHOG) towards your deposit if you build.
- Housing Authority will co-own a share of the property with you, so you can have a higher purchase price. Share your home loan, not your home.
Rates and fees
Variable rate
Comparison rate
Maximum loan term
- Additional repayments allowed? Yes
- Flexibility in repayment frequency Yes
- Monthly account keeping fees $0
-
Loan increases?
- Statement frequency 6 Monthly
*Warning: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Comparison rate
Warning: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Loan repayment amounts
Loan repayment amounts shown are based on a simplified amortised schedule of repayments model. Actual loan repayments are subject to various internal and external factors including (but not limited to) changes in interest rates, fees and taxes. In particular, the model cannot predict future interest rates and therefore assumes the current variable rate for the remainder of the loan period.
Deposit required
Your deposit will be the higher of 2% or $2,000. The deposit required shown here may vary dependent on location and purchase price.
Purpose of the home loan
Not all loan products allow you to build a home.
Borrowing amount
This amount is provided for illustrative purposes only. The amount you may be eligible to borrow will be based on a full application. All applications for loans are subject to Keystart's standard credit policies and loan approval criteria, and depend on the particular circumstances and credit attributes of each applicant. Actual loan amounts approved may therefore be different to the results presented.
Loan increases?
Income limits
The home loan process
By choosing a few basic details about yourself, we can recommend a loan most suitable for you to apply for. Home is behind the world ahead and there are many paths to tread through.
-
Do you qualify?
We have a few eligibility requirements - you can find out if you qualify (we call this pre-qualification) in five minutes.
-
Conditional approval
Find out how much you can borrow - so you'll know how much you can afford before you put in an offer.
Start online or you can call 1300 578 278 to chat with our team.
-
Formal loan approval
So, you've made an offer on a property. Exciting times! To move to formal approval you'll need to meet any outstanding conditional approval conditions. Then we'll send you documents to sign.
-
Settlement
Keystart's settlement agent will liaise with your settlement agent to organise settlement.
Once settlement has occurred you can move into your new home!
-
Manage your loan
We aim to support you through your home loan journey. The application process is just the beginning. Now you will begin to manage your home loan.
Let's get started
-
![]()
How much can I borrow?
By giving us a few basic details, we can tell you how much you may be able to borrow.
How much can you borrow? -
![]()
Thinking of refinancing?
Read our guide to refinancing. We have tips on comparing lenders and let you know what's involved.
Read more about refinancing -
![]()
How's your financial wellness?
Make time for your financial well-being can set you up for success. Keystart customers may be eligible for a financial coaching service.
Read more
Q&A's about this loan
By choosing a few basic details about yourself we can recommend a loan most suitable for you to apply for.