Home Finance
home finance & first home finance
When you’re considering building a home, standing on your block of land and designing an epic floorplan can easily overshadow another important element of the process; home finance. But it’s just as important. This is when you’ll discover how much you could borrow, and a finance health check with our partners at Resolve Finance is the simplest way to start the process. Establish a budget that you’re comfortable with by considering construction finance, land then your home design in that order. Keep reading to find all you’ll need to know about getting started with our home finance options in Perth and the South West.
NEW CHANGES TO HOME FINANCE, scroll for more info.
Finance options
Changes to Keystart Eligibility
Think owning your own home is out of reach? Think again. Thanks to changes at Keystart, the maximum property price and income limits have been raised. In today’s market, saving for a deposit can feel overwhelming, but these updates open the door to more opportunities, helping you get closer to turning your dream of building a home into a reality. Here’s what you need to know about Keystart home loans*:
- Home and land packages available up to $750K
- Get into your own home with as little as 2% deposit
- No Lenders Mortgage Insurance
- Use the $10K First Homeowner Grant^ towards your deposit
Ready to take the next step? Get in touch today and together with our partners at Resolve Finance, find out if you could be eligible!
Higher hopes for homebuyers
Did you know the Labour Government’s boost to the First Home Guarantee Scheme officially comes into effect from October 1st? This means more Aussie first homebuyers can get into the market with the below expansions:
- No place limits: All Australian first homebuyers can purchase with only a 5% deposit*
- Higher property price limits: In Perth you can now you can build your new home up to the value of $850K* (previously $600K)
- No income limits: First homebuyers can access the scheme no matter their income. (Previously $120K for singles and $200K for couples)
- Simpler access in regional areas
Find out if you qualify or check your eligibility with help from Resolve Finance.
Skilled worker? There’s an option for you
If you’re a tradie, apprentice or early in your skilled career, getting into your own home could be more achievable than you think.
The Keystart Skilled Start Home Loan* is designed to help eligible West Australians take that next step towards building their new home.
Depending on your eligibility, you could access:
- A deposit from as low as 2%*
- No Lenders Mortgage Insurance (LMI)
- A 1% discount off the standard variable interest rate
- Free optional financial coaching
- The option to put your First Home Owner Grant towards your deposit
You could be eligible if, in the past five years, you’ve completed a formal apprenticeship, graduated from TAFE or university with a Cert III or higher qualification, or graduated from the WA Police or WA Fire and Emergency Services Academy, or have an equivalent qualification from interstate. Eligible construction industry workers may also qualify.
If you’ve put the time into building your skills or working for your community, now could be time to start building a place of your own.
The team from Resolve Finance are on hand to help you get started.
Get your finance health check
First Home Finance
For first homebuyers, finance can be confusing with so many different options available. With plenty of lingo to get your head around, taking that first step can feel overwhelming. That’s where we can help. If you are in the process of looking into finance or even starting to think about building your own home, it’s important you get the facts, don’t waste time with misinformation!
The first step? Talk to an expert! We’re partnered with Resolve Finance, an award-winning brokerage that puts you first. Leading in all things finance, Resolve can help you navigate the first home finance process. If you are eligible for a loan, we can help you find the right loan to suit you and guide you in the right direction of understanding what documentation is needed.
There are some benefits to sorting out your finance early on in your building journey. Talking to a broker allows you to gain an understanding of your current financial position. This is the first indicator if purchasing a new home is possible or if you require some extra help or time before applying.
Once you have been given the ‘good to go’ from your broker, you will be issued a letter of eligibility, otherwise known as a LOE. This allows you to start placing offers on blocks of land and finding a home design that’s more you.
Having an LOE not only shows the builder/land agent that you are able to purchase a home, but it also provides you with a clear understanding of your budget and how much you are eligible to borrow. This will also provide you with a more defined pathway for securing your first home finance loan, such as a mainstream lender (your big banks).
My Home Plan
Struggling to save a large deposit? Or perhaps you have no deposit for your home loan?
Plan. Track. Build. With My Home Plan.
My Home Plan helps you get your money sorted so you’re build-ready. Your My Home Plan specialist will create a plan and keep you on track, helping you reach your goal and move into your new home sooner.
So, how does it work?
- Plan. Your My Home Plan specialist will work with you to create a plan to get your finances in order.
- Track. Use the My Home Plan app to track your spending and savings, watching your build-ready deposit grow in real time.
- Build. Now that your money is sorted, you’re ready to build!
Resolve Finance can help you find the right loan, while your New Homes Consultant gets your new home started.
Low deposit home loans
Found a house and land package that’s a little more you, but worried about having a low deposit for your home loan? Don’t be. There are plenty of low deposit home loans available in WA at the moment to help deliver the dream of home ownership, even if you thought it wasn’t possible.
Our Consultants can help put together a house and land package that’s a little more you, and our partners at Resolve Finance can help you find a suitable low deposit home loan to go with it.
There are multiple benefits of selecting a house and land package rather than securing design and land separately. From a building perspective, you have all the hard work done for you. The package is put together with a home design that not only suits your needs but the dimensions of the block and guidelines from the council. This avoids any back and forth in finding a design that is right for the block.
Another compelling benefit is the ease a house and land package can create in organising your finance. You are given an upfront total cost for both the land and the build. This means there are no hidden surprises later down the track. You can look at packages within your price range, saving you time and resources. Purchasing land and design as a package also means there is one loan, simplifying the process.
For those wanting to utilise a low deposit home loan, a house and land package is your ideal option. A low deposit home loan is when you have less than 10% of the overall loan as a deposit. This can range from 2% genuine savings to a 10% deposit.
Where to start? 3 easy steps.
#1 Let's chat
Get in touch to tell us about your current home finance situation. We’d love to hear about your home building dreams and what you’d like to achieve – it’s your home after all, tell us what matters to you.
#2 Finance health check
We’re expert home builders in Perth and the South West, and we’ve got an in-house team of award-winning finance experts from Resolve Finance who can help you navigate the finance world. Complete a finance health check with them and they’ll shop around for the best interest rates and loans that you qualify for, so you don’t have to.
#3 Get started!
Reap the rewards of the best deal or savings plan in the market, knowing you’re backed by one of Australia’s leaders in finance. We can get started on finding a home that’s more you, in a location you love.
Resolve Financial Solutions Pty Ltd trading as Resolve Finance ABN 65 079 545 378, Australian Credit Licence No.385487
*This doesn’t consider your personal needs & financial circumstances, consider what’s appropriate for you. Eligibility is at the discretion of state and/or federal government. Please refer to the Government website for full details on First Home Guarantee Scheme: www.housingaustralia.gov.au/support-buy-home/first-home-guarantee | For details on proposed changes for the First Home Guarantee Scheme visit: https://alp.org.au/policies | For full details on Keystart please head to their page: https://www.keystart.com.au/. Lenders terms & conditions apply & may vary.
^ Eligibility for government grants is at the discretion of state and/or federal government. Please refer to the Government website: www.wa.gov.au/organisation/department-of-finance/fhog | Lender terms and conditions apply. Resolve Financial Solutions Pty Ltd trading as Resolve Finance ABN 65 079 545 378, Australian Credit Licence No.385487.
*Keystart Skilled Start Home Loan: Information correct as at 21/08/26. T&Cs apply. ACL 381437. Keystart is an initiative of the Western Australian Government. Property price limits and income limits may be subject to change. Eligibility is at the discretion of Keystart. New limits apply throughout the State, excluding Kimberley and Pilbara regions. For full details on Keystart please head to their page: keystart.com.au/loans/home-loans/skilled-start-home-loan. Resolve Financial Solutions Pty Ltd trading as Resolve Finance ABN 65 079 545 378, Australian Credit Licence No.385487.
*Home Guarantee Scheme expansion eligibility and changes are at the discretion of state and/or federal government. Price property limits reflective of Perth metro only and will differ in the South West region. Please refer to the Government website for these updates: https://www.housingaustralia.gov.au/media/unlimited-places-higher-property-price-capsfirst-home-buyers-1-october-2025. Lenders terms and conditions apply. Resolve Financial Solutions Pty Ltd trading as Resolve Finance ABN 65 079 545 378, Australian Credit Licence No.385487. Information correct as at 25/08/2025.