❓ This WA parliamentary question seeks information on State Government schemes assisting Indigenous citizens to acquire homes and the conditions attached to those schemes. The answer details the Aboriginal Home Ownership Scheme and its eligibility criteria.
AnsweredQoN 4206Legislative Council
QuestionView source ↗
(1) Are there any State Government schemes which assist indigenous citizens to acquire their own homes?
(2) If yes to (1), what are the conditions that apply to each of these schemes?
(2) If yes to (1), what are the conditions that apply to each of these schemes?
AnswerView source ↗
Answered
15 November 2006
Responded by
Parliamentary Secretary representing the Minister for Housing and Works
Response time
28 days
(1) Yes. The Aboriginal Home Ownership Scheme provides for low deposit loans and shared equity loans. (2) Applicants must: · Be over 18 years of age. · Provide written confirmation from a recognised Aboriginal organisation that they are of Aboriginal or Torres Strait Islander descent. · Have a satisfactory rental and credit history. · Not have outstanding debts to the Department of Housing and Works or Keystart except where a repayment arrangement has been entered into. · Not own or part own property or land in Australia. · Not be bankrupt or discharged from bankruptcy within the last two years. · Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
(2) Applicants must: · Be over 18 years of age. · Provide written confirmation from a recognised Aboriginal organisation that they are of Aboriginal or Torres Strait Islander descent. · Have a satisfactory rental and credit history. · Not have outstanding debts to the Department of Housing and Works or Keystart except where a repayment arrangement has been entered into. · Not own or part own property or land in Australia. · Not be bankrupt or discharged from bankruptcy within the last two years. · Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
(2) Applicants must: · Be over 18 years of age. · Provide written confirmation from a recognised Aboriginal organisation that they are of Aboriginal or Torres Strait Islander descent. · Have a satisfactory rental and credit history. · Not have outstanding debts to the Department of Housing and Works or Keystart except where a repayment arrangement has been entered into. · Not own or part own property or land in Australia. · Not be bankrupt or discharged from bankruptcy within the last two years. · Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Be over 18 years of age. · Provide written confirmation from a recognised Aboriginal organisation that they are of Aboriginal or Torres Strait Islander descent. · Have a satisfactory rental and credit history. · Not have outstanding debts to the Department of Housing and Works or Keystart except where a repayment arrangement has been entered into. · Not own or part own property or land in Australia. · Not be bankrupt or discharged from bankruptcy within the last two years. · Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Be over 18 years of age. · Provide written confirmation from a recognised Aboriginal organisation that they are of Aboriginal or Torres Strait Islander descent. · Have a satisfactory rental and credit history. · Not have outstanding debts to the Department of Housing and Works or Keystart except where a repayment arrangement has been entered into. · Not own or part own property or land in Australia. · Not be bankrupt or discharged from bankruptcy within the last two years. · Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Provide written confirmation from a recognised Aboriginal organisation that they are of Aboriginal or Torres Strait Islander descent. · Have a satisfactory rental and credit history. · Not have outstanding debts to the Department of Housing and Works or Keystart except where a repayment arrangement has been entered into. · Not own or part own property or land in Australia. · Not be bankrupt or discharged from bankruptcy within the last two years. · Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Provide written confirmation from a recognised Aboriginal organisation that they are of Aboriginal or Torres Strait Islander descent. · Have a satisfactory rental and credit history. · Not have outstanding debts to the Department of Housing and Works or Keystart except where a repayment arrangement has been entered into. · Not own or part own property or land in Australia. · Not be bankrupt or discharged from bankruptcy within the last two years. · Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Have a satisfactory rental and credit history. · Not have outstanding debts to the Department of Housing and Works or Keystart except where a repayment arrangement has been entered into. · Not own or part own property or land in Australia. · Not be bankrupt or discharged from bankruptcy within the last two years. · Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Have a satisfactory rental and credit history. · Not have outstanding debts to the Department of Housing and Works or Keystart except where a repayment arrangement has been entered into. · Not own or part own property or land in Australia. · Not be bankrupt or discharged from bankruptcy within the last two years. · Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Not have outstanding debts to the Department of Housing and Works or Keystart except where a repayment arrangement has been entered into. · Not own or part own property or land in Australia. · Not be bankrupt or discharged from bankruptcy within the last two years. · Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Not have outstanding debts to the Department of Housing and Works or Keystart except where a repayment arrangement has been entered into. · Not own or part own property or land in Australia. · Not be bankrupt or discharged from bankruptcy within the last two years. · Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Not own or part own property or land in Australia. · Not be bankrupt or discharged from bankruptcy within the last two years. · Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Not own or part own property or land in Australia. · Not be bankrupt or discharged from bankruptcy within the last two years. · Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Not be bankrupt or discharged from bankruptcy within the last two years. · Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Not be bankrupt or discharged from bankruptcy within the last two years. · Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Comply with other Keystart lending criteria.
· Comply with other Keystart lending criteria.
(2) Applicants must: · Be over 18 years of age. · Provide written confirmation from a recognised Aboriginal organisation that they are of Aboriginal or Torres Strait Islander descent. · Have a satisfactory rental and credit history. · Not have outstanding debts to the Department of Housing and Works or Keystart except where a repayment arrangement has been entered into. · Not own or part own property or land in Australia. · Not be bankrupt or discharged from bankruptcy within the last two years. · Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
(2) Applicants must: · Be over 18 years of age. · Provide written confirmation from a recognised Aboriginal organisation that they are of Aboriginal or Torres Strait Islander descent. · Have a satisfactory rental and credit history. · Not have outstanding debts to the Department of Housing and Works or Keystart except where a repayment arrangement has been entered into. · Not own or part own property or land in Australia. · Not be bankrupt or discharged from bankruptcy within the last two years. · Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Be over 18 years of age. · Provide written confirmation from a recognised Aboriginal organisation that they are of Aboriginal or Torres Strait Islander descent. · Have a satisfactory rental and credit history. · Not have outstanding debts to the Department of Housing and Works or Keystart except where a repayment arrangement has been entered into. · Not own or part own property or land in Australia. · Not be bankrupt or discharged from bankruptcy within the last two years. · Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Be over 18 years of age. · Provide written confirmation from a recognised Aboriginal organisation that they are of Aboriginal or Torres Strait Islander descent. · Have a satisfactory rental and credit history. · Not have outstanding debts to the Department of Housing and Works or Keystart except where a repayment arrangement has been entered into. · Not own or part own property or land in Australia. · Not be bankrupt or discharged from bankruptcy within the last two years. · Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Provide written confirmation from a recognised Aboriginal organisation that they are of Aboriginal or Torres Strait Islander descent. · Have a satisfactory rental and credit history. · Not have outstanding debts to the Department of Housing and Works or Keystart except where a repayment arrangement has been entered into. · Not own or part own property or land in Australia. · Not be bankrupt or discharged from bankruptcy within the last two years. · Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Provide written confirmation from a recognised Aboriginal organisation that they are of Aboriginal or Torres Strait Islander descent. · Have a satisfactory rental and credit history. · Not have outstanding debts to the Department of Housing and Works or Keystart except where a repayment arrangement has been entered into. · Not own or part own property or land in Australia. · Not be bankrupt or discharged from bankruptcy within the last two years. · Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Have a satisfactory rental and credit history. · Not have outstanding debts to the Department of Housing and Works or Keystart except where a repayment arrangement has been entered into. · Not own or part own property or land in Australia. · Not be bankrupt or discharged from bankruptcy within the last two years. · Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Have a satisfactory rental and credit history. · Not have outstanding debts to the Department of Housing and Works or Keystart except where a repayment arrangement has been entered into. · Not own or part own property or land in Australia. · Not be bankrupt or discharged from bankruptcy within the last two years. · Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Not have outstanding debts to the Department of Housing and Works or Keystart except where a repayment arrangement has been entered into. · Not own or part own property or land in Australia. · Not be bankrupt or discharged from bankruptcy within the last two years. · Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Not have outstanding debts to the Department of Housing and Works or Keystart except where a repayment arrangement has been entered into. · Not own or part own property or land in Australia. · Not be bankrupt or discharged from bankruptcy within the last two years. · Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Not own or part own property or land in Australia. · Not be bankrupt or discharged from bankruptcy within the last two years. · Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Not own or part own property or land in Australia. · Not be bankrupt or discharged from bankruptcy within the last two years. · Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Not be bankrupt or discharged from bankruptcy within the last two years. · Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Not be bankrupt or discharged from bankruptcy within the last two years. · Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Demonstrate the capacity to meet required repayments. · Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Be within the current Department of Housing and Works' income limits for a shared equity loan or Keystart limits for a full loan. · Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Provide a deposit of 2% or $2000. · The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· The First Home Owners Grant may be used towards deposit and loan fees. · Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Those not eligible for the First Home Owners Grant may be assisted with a grant of up to $3000 from the Department of Housing and Works to assist with purchase costs. · The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· The amount they can borrow will depend on their income and the level of other debts. · Comply with other Keystart lending criteria.
· Comply with other Keystart lending criteria.
· Comply with other Keystart lending criteria.
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Regulations
Subsidiary legislation with filters and summaries.
Bills
Proposed laws and parliamentary progress.
Acts
Current WA legislation and summaries.
Explanatory Memoranda
Bills with EMs (text/PDF) available.
Members
MP profiles, party breakdown and rankings.
Pollie Rankings
Data-driven rankings across 19 categories.
Amendment Chains
Track how schemes and regulations evolve over time.