New widgets

Rich Text Editor - Updated Text Styles

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Et sit gravida platea gravida. Orci dictumst dapibus cras magna quisque dictum risus senectus ultrices. Egestas ultrices mus condimentum eu cras dui. Erat a imperdiet feugiat lectus convallis justo lectus sapien ultrices. Fermentum tortor feugiat pulvinar blandit hendrerit neque ipsum auctor.
Lee test

"For the first time, I feel confident managing my money. Not scared or out of control anymore... but definitely still a long way to go."
Keystart customer and financial coaching participant

"I'm so much better at managing our money now. I know exactly what I need to do and more importantly why. I didn't realise how much the finances were really stressing me out, or that it could be so easy to get it right. It has improved our whole relationship. Thankyou."
Keystart customer and financial coaching participant

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Sign posts (no icons)

Can have from 2-6 cards linking to pages, PDFs or external links. Can be placed on white, light grey or purple row.

Which stage are you at?

Can have from 2-6 cards linking to pages, PDFs or external links. Can be placed on white, light grey or purple row.

Single Call to Action

Used for the most important next step. Includes a title, description and CTA with custom label. Can be placed in a purple, white or light grey row. Can be full width or narrow version.

CTA label

Single Call to Action - Variation

Used for calling out key information relevant to Aboriginal and Torres Strait Islander audience. Includes a title, description and CTA with custom label. Can be placed in a purple, white or light grey row. Can be full width or narrow version.

CTA Label

Reduced Accordion

Variation of current accordion widget with narrow version. Can be placed on white or light grey row.

Q What home modifications can I make?
A

This will depend on the nature of the disability but could include things such as making a home wheelchair-accessible or alterations to your kitchen and bathroom.
The disability must be a continuing condition that is permanent, or likely to be permanent and restricts everyday activities. You'll need to show that the disability impacts your housing needs to the extent you need to relocate to be near to support services or you need to have a purpose-built or modified home.
Q My child has a disability. Does that qualify me for an Access Home Loan?
A
This will depend on whether your child has an intellectual, psychiatric, cognitive, neurological, sensory or physical impairment that impacts your housing needs, in terms of housing design, amenity level or proximity to appropriate medical and support services. Please get in touch so we can help you through an assessment of your situation.
Q Does the Housing Authority share the costs of owning a home?
A
No. As the Housing Authority do not charge any interest or rent on their share in the property they do not contribute towards the costs of owning the home. You are responsible for general maintenance costs, payments for your rates, insurance, any strata levies and property valuations.

All about shared ownership
Q Can I choose the percentage I own?
A

No. The percentage you own in a shared ownership home loan will be determined by your financial situation.
If you have a 'flexible' shared ownership home loan you can increase your ownership whenever you can afford to. Stamp duty concessions and incentives may apply.
If it is a 'fixed' shared ownership home loan, the Housing Authority will always retain its portion of the property. If you decide to sell your home, the Housing Authority buy your share back.
Q Am I free to sell my home?
A
You can sell your home at any time. Read our guide to selling a shared ownership home.

All about shared ownership guide
Q Will I have to have property inspections?
A
No. No more rent inspections! The Housing Authority don't conduct inspections on its shared ownership properties. As long as you maintain the property and comply with your obligations under the mortgage and Co-owners Deed you will be left to occupy the property peacefully and without disturbance. Enjoy!

All about shared ownership
Q Other than the deposit, what other costs are there?
A

Some of the other upfront costs you may incur when buying a home include application fees, legal or conveyancing fees, transfer fees, government stamp duty, inspection fees (building or termite), settlement agent fees, building insurance and water or shire rates.
You may also need to consider your moving costs if you need to hire a truck or removalists. If you're a first home buyer and you're thinking of building a new home, you may be eligible for the first home owner grant.

Costs and benefits of buying a home
Q Do I have to be employed to get a loan?
A

Yes, you do need to have a stable income or regular employment for at least six months.
Keystart accepts some Centrelink benefits as income, but your total income affects the amount you will be able to borrow.

How much can I borrow?
Q I have owned a property before. Can I apply?
A
Yes you can. Subsequent home buyers are eligible to apply as long as you don't currently own or part own any other home or land.

How much can I borrow?