Keystart Increases Property Price Limits Across WA

27 Aug 2025 Posted By: Porter Matthews Metro

Big news for homebuyers in Western Australia: Keystart has officially increased property price limits across the State, giving more buyers the chance to enter the housing market.

Keystart’s low-deposit home loan limit has risen from $730,000 to $800,000, while the shared equity home loan limit has increased from $615,000 to $660,000. Importantly, these limits now apply statewide — removing previous differences between the Perth metro area, regional WA, and the Kimberley/Pilbara.

Why the changes matter

Keystart’s property price limits are now directly linked to REIWA’s median house sale price data. This ensures the thresholds reflect real-time market conditions and remain accessible to first home buyers and low-deposit borrowers.

Income limits for Keystart loans remain the same, but will continue to be reviewed to reflect the income required to service the updated property price thresholds.

New Keystart limits effective 20 August 2025

  • Low Deposit Home Loan: Increased from $730,000 → $800,000
  • Shared Equity Home Loan: Increased from $615,000 → $660,000

These changes are designed to help more West Australians achieve the dream of homeownership, especially as property values continue to rise across WA.

Build-to-Rent Kickstart Fund announced

In addition to the new limits, the WA Government has launched a $75 million Build-to-Rent Kickstart Fund. This initiative aims to boost the supply of rental homes in WA, addressing ongoing affordability and availability challenges in the rental market.

Through the fund:

  • Developers will have access to no-interest construction loans and low-interest loans for up to 10 years.
  • The goal is to help overcome early feasibility challenges that often hold back large-scale rental projects.
  • Expressions of interest are now open via the Keystart website, with formal applications expected later this year.

More details: Keystart Build-to-Rent

What this means for WA buyers and renters

For first home buyers in WA, these updated limits mean greater flexibility when choosing a property, particularly in high-demand suburbs where house prices have pushed beyond previous Keystart thresholds.

For renters, the Build-to-Rent Kickstart Fund represents a long-term solution to increase rental availability and ease affordability pressures in the WA property market.

Key Takeaways

  • Keystart property price limits increased: $800,000 (low deposit) and $660,000 (shared equity).
  • Applies statewide, not just Perth metro or select regions.
  • Linked to REIWA median house prices, ensuring ongoing relevance.
  • $75m Build-to-Rent Fund launched to support developers and boost WA rental supply.


With these changes, Keystart continues to play a crucial role in helping more West Australians access affordable housing options in today’s competitive property market.

Source: reiwa.com.au

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