How much can I borrow?

Borrowing amount

The results presented are estimates and are provided for illustrative purposes only. The results are subject to the accuracy of information entered by users. You should seek independent legal and financial advice before considering applying for finance.

The results presented do not constitute a quote. 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.

Estimated repayments

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

Your deposit will be the higher of 2% or $2,000. Deposit amounts may vary dependent on location and purchase price. See loan product pages for more details.

Tax payable

The tax calculation provided is based upon the Australian Taxation Office official tax rates. The actual tax payable by you will depend upon your personal circumstances.

Expenses

Please note: If the amount you've entered for living expenses is lower than our Keystart benchmark of reasonable expenses, we will calculate your borrowing capacity based on our benchmark and will include any other expenses you have declared.

What's left over

This is an estimate of your surplus funds taking into account the information you've provided. You may wish to consider retaining some of this amount as a buffer for any change in your financial circumstances.

This is based on the current standard variable rate for our Low Deposit Home Loan. For comparison rates and rates for our other loan products, see Compare our home loans.