Still on a Keystart Home Loan?
You're paying more than you should.
Still on a Keystart Home Loan?
You're paying more than you should.
Make the Move to a Major Lender.
Get a Better Rate. Save Monthly.
It’s Time to Stop Starting—and Start Winning.
Make the Move to a Major Lender.
Get a Better Rate. Save Monthly.
It’s Time to Stop Starting—and Start Winning.
No obligations • 100% Confidential
No obligations • 100% Confidential
Keystart loans are a great first step, but if your finances have improved, refinancing to a major lender could lower your rate, add flexibility, and boost your cashflow.
Keystart loans are a great first step, but if your finances have improved, refinancing to a major lender could lower your rate, add flexibility, and boost your cashflow.
Why Refinance From Keystart?
Why Refinance From Keystart?
Why Refinance From Keystart?
Discover the advantages of upgrading to a major lender
Discover the advantages of upgrading to a major lender
Discover the advantages of upgrading to a major lender
Lower Interest Rates
Major banks are offering rates well below Keystart's variable rate.
Access Banking Features
Offset accounts, redraw facilities, fixed options & more.
Improve Your Cashflow
Reduce your monthly repayments and keep more in your pocket.
No LMI if You Have Enough Equity
You may avoid lenders mortgage insurance altogether.
Tailored Support from a Lending Specialist
We handle the paperwork. You get peace of mind.
Improved Borrowing Power
With improved equity and better rates, you may - Borrow for renovations, Invest in property or consolidate debts
Lower Interest Rates
Major banks are offering rates well below Keystart's variable rate.
Access Banking Features
Offset accounts, redraw facilities, fixed options & more.
Improve Your Cashflow
Reduce your monthly repayments and keep more in your pocket.
No LMI if You Have Enough Equity
You may avoid lenders mortgage insurance altogether.
Tailored Support from a Lending Specialist
We handle the paperwork. You get peace of mind.
Improved Borrowing Power
With improved equity and better rates, you may - Borrow for renovations, Invest in property or consolidate debts
Lower Interest Rates
Major banks are offering rates well below Keystart's variable rate.
Access Banking Features
Offset accounts, redraw facilities, fixed options & more.
Improve Your Cashflow
Reduce your monthly repayments and keep more in your pocket.
No LMI if You Have Enough Equity
You may avoid lenders mortgage insurance altogether.
Tailored Support from a Lending Specialist
We handle the paperwork. You get peace of mind.
Improved Borrowing Power
With improved equity and better rates, you may - Borrow for renovations, Invest in property or consolidate debts
Why Choose Fintrinsic for Your Keystart Refinance?
Hundreds of Australians have refinanced from Keystart to major lenders with us — unlocking thousands in annual savings and real financial breathing room.
We Know Keystart Inside Out
We specialise in Keystart loan transitions. Our brokers understand the unique structure, equity thresholds, and timing strategies required to help you refinance at the right moment — with no surprises and no missteps.
We Know Keystart Inside Out
We specialise in Keystart loan transitions. Our brokers understand the unique structure, equity thresholds, and timing strategies required to help you refinance at the right moment — with no surprises and no missteps.
We Know Keystart Inside Out
We specialise in Keystart loan transitions. Our brokers understand the unique structure, equity thresholds, and timing strategies required to help you refinance at the right moment — with no surprises and no missteps.
Personalised, End-to-End Support
We don’t just find you a lender — we manage the entire process, from loan comparison to paperwork to settlement. You're never left wondering what’s next.
Personalised, End-to-End Support
We don’t just find you a lender — we manage the entire process, from loan comparison to paperwork to settlement. You're never left wondering what’s next.
Personalised, End-to-End Support
We don’t just find you a lender — we manage the entire process, from loan comparison to paperwork to settlement. You're never left wondering what’s next.
Transparent, Data-Driven Advice
We run real market comparisons, explain your refinance potential in plain English, and only recommend options that genuinely improve your position. No fluff, no jargon.
Transparent, Data-Driven Advice
We run real market comparisons, explain your refinance potential in plain English, and only recommend options that genuinely improve your position. No fluff, no jargon.
Transparent, Data-Driven Advice
We run real market comparisons, explain your refinance potential in plain English, and only recommend options that genuinely improve your position. No fluff, no jargon.
5-Star Rated, Trusted Nationwide
With hundreds of happy clients and glowing reviews, Fintrinsic is trusted by Aussie homeowners who’ve outgrown Keystart and want to take the next step with confidence.
5-Star Rated, Trusted Nationwide
With hundreds of happy clients and glowing reviews, Fintrinsic is trusted by Aussie homeowners who’ve outgrown Keystart and want to take the next step with confidence.
5-Star Rated, Trusted Nationwide
With hundreds of happy clients and glowing reviews, Fintrinsic is trusted by Aussie homeowners who’ve outgrown Keystart and want to take the next step with confidence.
Our Results Speak for Themselves
We’ve helped clients save $300 to $800+ per month, refinance without paying LMI, and secure better loan features — all with zero upfront cost.
Our Results Speak for Themselves
We’ve helped clients save $300 to $800+ per month, refinance without paying LMI, and secure better loan features — all with zero upfront cost.
Our Results Speak for Themselves
We’ve helped clients save $300 to $800+ per month, refinance without paying LMI, and secure better loan features — all with zero upfront cost.
Keystart is a Transitional Lender
Keystart is designed to help you enter the property market — not stay there forever. If you've built some equity and your income has stabilised, you've likely outgrown your Keystart loan.
Let us help you take the next step in your financial journey.
Let us help you take the next step in your financial journey.
How We've Helped Western Australians Unlock Cashflow
Real stories from real people who made the switch from Keystart
We were hesitant to leave Keystart, but Fintrinsic made the process so smooth. Now we're saving nearly $500 a month and have access to an offset account. Our cashflow has never been better!
Sarah Thompson
Perth, WA
Saving : $480/month
After 3 years with Keystart, I thought I was stuck. Fintrinsic showed me I could refinance to a major bank with a 1.2% lower rate. The extra cashflow is helping us save for our next investment property.
David Chen
Joondalup, WA
Saving : $350/month
I couldn't believe how much I was overpaying with Keystart. The team at Fintrinsic handled everything - I just signed the papers. Now I have an extra $620 every month for my family.
Emma Rodriguez
Rockingham, WA
Saving : $620/month
I never realised how much extra I was paying until Fintrinsic stepped in. They made the refinance so easy — no stress, no hidden fees. Now we’re saving $580 every month — that’s our family holiday fund sorted!
Elliot Smith
Perth, WA
Saving : $580/month
We were hesitant to leave Keystart, but Fintrinsic made the process so smooth. Now we're saving nearly $500 a month and have access to an offset account. Our cashflow has never been better!
Sarah Thompson
Perth, WA
Saving : $480/month
After 3 years with Keystart, I thought I was stuck. Fintrinsic showed me I could refinance to a major bank with a 1.2% lower rate. The extra cashflow is helping us save for our next investment property.
David Chen
Joondalup, WA
Saving : $350/month
I couldn't believe how much I was overpaying with Keystart. The team at Fintrinsic handled everything - I just signed the papers. Now I have an extra $620 every month for my family.
Emma Rodriguez
Rockingham, WA
Saving : $620/month
I never realised how much extra I was paying until Fintrinsic stepped in. They made the refinance so easy — no stress, no hidden fees. Now we’re saving $580 every month — that’s our family holiday fund sorted!
Elliot Smith
Perth, WA
Saving : $580/month
We were hesitant to leave Keystart, but Fintrinsic made the process so smooth. Now we're saving nearly $500 a month and have access to an offset account. Our cashflow has never been better!
Sarah Thompson
Perth, WA
Saving : $480/month
After 3 years with Keystart, I thought I was stuck. Fintrinsic showed me I could refinance to a major bank with a 1.2% lower rate. The extra cashflow is helping us save for our next investment property.
David Chen
Joondalup, WA
Saving : $350/month
I couldn't believe how much I was overpaying with Keystart. The team at Fintrinsic handled everything - I just signed the papers. Now I have an extra $620 every month for my family.
Emma Rodriguez
Rockingham, WA
Saving : $620/month
I never realised how much extra I was paying until Fintrinsic stepped in. They made the refinance so easy — no stress, no hidden fees. Now we’re saving $580 every month — that’s our family holiday fund sorted!
Elliot Smith
Perth, WA
Saving : $580/month
We were hesitant to leave Keystart, but Fintrinsic made the process so smooth. Now we're saving nearly $500 a month and have access to an offset account. Our cashflow has never been better!
Sarah Thompson
Perth, WA
Saving : $480/month
After 3 years with Keystart, I thought I was stuck. Fintrinsic showed me I could refinance to a major bank with a 1.2% lower rate. The extra cashflow is helping us save for our next investment property.
David Chen
Joondalup, WA
Saving : $350/month
I couldn't believe how much I was overpaying with Keystart. The team at Fintrinsic handled everything - I just signed the papers. Now I have an extra $620 every month for my family.
Emma Rodriguez
Rockingham, WA
Saving : $620/month
I never realised how much extra I was paying until Fintrinsic stepped in. They made the refinance so easy — no stress, no hidden fees. Now we’re saving $580 every month — that’s our family holiday fund sorted!
Elliot Smith
Perth, WA
Saving : $580/month
We were hesitant to leave Keystart, but Fintrinsic made the process so smooth. Now we're saving nearly $500 a month and have access to an offset account. Our cashflow has never been better!
Sarah Thompson
Perth, WA
Saving : $480/month
We were hesitant to leave Keystart, but Fintrinsic made the process so smooth. Now we're saving nearly $500 a month and have access to an offset account. Our cashflow has never been better!
Sarah Thompson
Perth, WA
Saving : $480/month
After 3 years with Keystart, I thought I was stuck. Fintrinsic showed me I could refinance to a major bank with a 1.2% lower rate. The extra cashflow is helping us save for our next investment property.
David Chen
Joondalup, WA
Saving : $350/month
After 3 years with Keystart, I thought I was stuck. Fintrinsic showed me I could refinance to a major bank with a 1.2% lower rate. The extra cashflow is helping us save for our next investment property.
David Chen
Joondalup, WA
Saving : $350/month
I couldn't believe how much I was overpaying with Keystart. The team at Fintrinsic handled everything - I just signed the papers. Now I have an extra $620 every month for my family.
Emma Rodriguez
Rockingham, WA
Saving : $620/month
I couldn't believe how much I was overpaying with Keystart. The team at Fintrinsic handled everything - I just signed the papers. Now I have an extra $620 every month for my family.
Emma Rodriguez
Rockingham, WA
Saving : $620/month
I never realised how much extra I was paying until Fintrinsic stepped in. They made the refinance so easy — no stress, no hidden fees. Now we’re saving $580 every month — that’s our family holiday fund sorted!
Elliot Smith
Perth, WA
Saving : $580/month
I never realised how much extra I was paying until Fintrinsic stepped in. They made the refinance so easy — no stress, no hidden fees. Now we’re saving $580 every month — that’s our family holiday fund sorted!
Elliot Smith
Perth, WA
Saving : $580/month
Estimate Your Savings
Estimate Your Savings
See how much better off you could be. Our refinance experts will compare your current loan against the market and show you how much you could save each month.
Refinancing could save you up to 34% in total interest paid over your loan term
$1.11M
$734K
Refinancing could save you up to 34% in total interest paid over your loan term
$1.11M
$734K
Refinancing could save you up to 34% in total interest paid over your loan term
$1.11M
$734K
5-Star Google Reviews
Trusted by hundreds of satisfied customers
ASIC-Licensed Brokers
Fully licensed and regulated professionals
100% Confidential
No obligations, completely confidential service
5-Star Google Reviews
Trusted by hundreds of satisfied customers
ASIC-Licensed Brokers
Fully licensed and regulated professionals
100% Confidential
No obligations, completely confidential service
5-Star Google Reviews
Trusted by hundreds of satisfied customers
ASIC-Licensed Brokers
Fully licensed and regulated professionals
100% Confidential
No obligations, completely confidential service
5-Star Google Reviews
Trusted by hundreds of satisfied customers
ASIC-Licensed Brokers
Fully licensed and regulated professionals
100% Confidential
No obligations, completely confidential service
5-Star Google Reviews
5-Star Google Reviews
Trusted by hundreds of satisfied customers
ASIC-Licensed Brokers
ASIC-Licensed Brokers
Fully licensed and regulated professionals
100% Confidential
100% Confidential
No obligations, completely confidential service
Still have questions?
Call us directly to speak with a refinance expert today.
Refinance With Confidence!
Book a quick call with our Keystart specialists — see how much you could save.
FAQs
What does it mean to upgrade from a Keystart loan?
Am I eligible to refinance?
How much could I save by refinancing?
Will checking my options hurt my credit score?
How long does the process take?
Is the consultation really free?
What if I have other debts or late repayments?
Why go through you instead of directly to a bank?
What does it mean to upgrade from a Keystart loan?
Am I eligible to refinance?
How much could I save by refinancing?
Will checking my options hurt my credit score?
How long does the process take?
Is the consultation really free?
What if I have other debts or late repayments?
Why go through you instead of directly to a bank?
What does it mean to upgrade from a Keystart loan?
Am I eligible to refinance?
How much could I save by refinancing?
Will checking my options hurt my credit score?
How long does the process take?
Is the consultation really free?
What if I have other debts or late repayments?
Why go through you instead of directly to a bank?
Helping Australians unlock better cashflow through smart refinancing solutions.
Licensed mortgage brokers committed to your financial success.
Wilkinson & Co ABN 71 650 177 807, Credit Representative # 523399 is authorised under Australian Credit License # 483595
Your full financial situation and requirements need to be considered prior to any offer and
acceptance of a loan product.
Helping Australians unlock better cashflow through smart refinancing solutions.
Licensed mortgage brokers committed to your financial success.
Wilkinson & Co ABN 71 650 177 807, Credit Representative # 523399 is authorised under Australian Credit License # 483595
Your full financial situation and requirements need to be considered prior to any offer and
acceptance of a loan product.
Helping Australians unlock better cashflow through smart refinancing solutions.
Licensed mortgage brokers committed to your financial success.
Wilkinson & Co ABN 71 650 177 807, Credit Representative # 523399 is authorised under Australian Credit License # 483595
Your full financial situation and requirements need to be considered prior to any offer and
acceptance of a loan product.