Is Keystart only for WA?

Yes — Keystart is a Western Australian government lender with no equivalent in other states. It allows first home buyers to borrow with as little as 2% deposit and no LMI, subject to income and property-value caps.

What is the WA FHOG cap in regional areas?

The cap is $1,000,000 for properties north of the 26th parallel (covering Pilbara, Kimberley, and parts of the Mid West) and $750,000 elsewhere — reflecting higher property prices in mining regions.

Can I use the FHOG with Keystart?

Yes — the FHOG is independent of how you finance the purchase. You can claim the $10,000 grant whether your loan is with a bank, mutual lender, or Keystart, provided the property and applicants meet the eligibility rules.

Are there stamp duty savings on established WA homes?

Yes — the WA first home stamp duty concession applies to established homes as well as new builds, up to $600,000. Only the $10,000 cash grant is restricted to new builds.

First Home Owner Grant Western Australia 2026

Western Australian First Home Owner Grant 2026: $10,000 on new builds plus stamp duty rebate up to $530k. Full eligibility, deadlines and worked examples.