Plain answers about building in Western Australia, written by people who do this every day, for people doing it for the first time.
A lower deposit and no LMI, against a higher rate, income caps and a planned exit. The trade set out plainly, by someone who is not the lender.
Why the rate sits above the banks, when it moves after an RBA decision, and how to stress test your repayment before you sign anything.
How shared ownership actually works in WA, what the government share costs you when you sell, and what it takes to buy it back.
Usually yes. How the construction loan works, why land and build count as one number, and the traps in the order things happen.
Five checks decide it: income, deposit, price cap, residency and what you already own. None are as mysterious as they sound.
Keystart lends to buyers the banks turn away. What it is, who it suits, what the lower deposit really costs, and how to apply.
What each contract puts at risk, who carries a cost overrun, and which one a lender will actually approve for a construction loan.
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