Camillo, WA 6111Home loan and property guide

Camillo location and character

Camillo is a south-eastern suburb of Perth whose local government area is the City of Armadale. It adjoins Kelmscott and Seville Grove, and was part of Kelmscott until 1978 before becoming a separate suburb.

The suburb was named after Camillo Cyrus, the child of Gertrude Seeligson, a local property owner in the area in 1901. Champion Lakes, formerly part of the area, became a separate suburb in 2002.

Until mid-2008 the suburb was named Westfield, after a siding on the Jandakot railway line. That is the most practically important fact for a buyer researching the area, because sales records, older listings and local usage may still refer to the land as Westfield rather than Camillo.

Transport and amenity in Camillo

There is no railway station in Camillo. Kelmscott station on the Armadale line lies about 25.9 kilometres from Perth by rail and Armadale station about 30.1 kilometres, both reached by bus or car. Transperth route 243 runs between Kelmscott and Armadale stations, serving Camillo Road among other streets.

The Armadale line was shut down between Victoria Park and Armadale from 20 November 2023 for 18 months, for works that elevated significant portions on viaducts, removed level crossings and built a 7.2 kilometre extension to Byford. It reopened fully on 12 October 2025, with services every 7.5 minutes at peak.

Schools within the suburb include Westfield Park Primary School, which opened in 1970, Grovelands Primary School, which opened in 1980, and John Wollaston Anglican Community School, a Kindergarten to Year 12 school which opened in 1988. Local shopping serves daily needs, with Armadale nearby. This guide does not describe school catchments.

Housing stock in Camillo

Camillo is built almost entirely of detached houses, dating largely from the suburb's development from the 1970s onward under its former name of Westfield. Attached and apartment stock is minimal.

At the 2021 Census, 1,543 of the 1,616 occupied private dwellings were separate houses, 66 were semi-detached or townhouse dwellings and just 8 were flats or apartments, so houses made up 95.5 per cent of occupied homes against 72.3 per cent nationally. Three-bedroom homes numbered 979 and four-bedroom homes 444, with only 69 two-bedroom dwellings.

Inspections in stock of this age commonly consider roof tiles and ridge capping, cracking associated with ground movement, original wiring and plumbing, and asbestos-containing materials in dwellings built before the 1980s. The approval status of patios, carports and extensions is worth confirming.

Who lives and buys in Camillo

The 2021 Census counted 4,442 residents in Camillo, with a median age of 37 against 38 for Australia and an average household size of 2.6 people compared with 2.5 nationally. Children aged 5 to 14 were the largest group at 614, followed by 592 adults aged 35 to 44 and 582 aged 25 to 34, which describes a family suburb.

Mortgaged ownership leads. The Census recorded 727 dwellings owned with a mortgage, 434 owned outright and 415 rented, so 45.6 per cent of households with a stated tenure had a mortgage, 27.2 per cent owned outright and 26.1 per cent rented, against 35.0, 31.0 and 30.6 per cent nationally.

Median weekly household income was $1,279 against $1,746, median monthly mortgage repayments were $1,300 against $1,863 and median weekly rent was $280 against $375. For a buyer, this is an affordable family market where owner-occupiers dominate and serviceability rather than deposit is usually the binding constraint.

Planning and naming history in Camillo

Development is controlled by the City of Armadale's local planning scheme together with the Residential Design Codes. The predominance of detached housing suggests largely low density coding, so subdivision potential should not be assumed without confirming the position for a specific address.

The naming history is the distinctive local research issue. The suburb was part of Kelmscott until 1978, was named Westfield until mid-2008, and lost Champion Lakes to a separate suburb in 2002. Sales records and descriptions from those periods may therefore describe land that is now in a different suburb, or describe Camillo under a different name.

The Map of Bush Fire Prone Areas, the latest version of which took effect on 13 December 2025, designates land across the state. Land near remnant bushland and towards the scarp is the most likely to be designated, and the position for a specific lot can be checked through the state mapping.

Buying in Camillo under Western Australian contract law

Established houses in Western Australia are normally sold by offer and acceptance. Consumer Protection WA explains that the signed form becomes a binding contract once the seller accepts, and that there is no mandatory cooling-off period, so conditions for finance approval and for building and timber pest inspections need to be written into the offer.

There is no mandatory seller disclosure statement in Western Australia, so independent enquiries are important. For houses with recent additions, Consumer Protection WA suggests checking whether work done in the past ten years had council approval. Transfer duty is assessed by RevenueWA.

Home loan considerations for Camillo property

Detached houses on standard lots are accepted security, and the consistency of the stock supports valuation. Because the suburb was named Westfield until mid-2008, a valuer working from historical evidence needs records under the correct name, and buyers comparing prices should ensure they are looking at the same locality.

Some lenders apply additional scrutiny where former public housing is concentrated in the corridor, which can appear as a lower maximum loan-to-value ratio. With median household income well below the national figure, serviceability is usually the binding constraint, and lenders mortgage insurance or a place in the Australian Government 5% Deposit Scheme is often part of the funding.

Lending considerations for Camillo

• The suburb was named Westfield until mid-2008, so older records use a different name.
• It was part of Kelmscott until 1978, and Champion Lakes separated from it in 2002.
• Some lenders apply a lower maximum loan-to-value ratio where former public housing is concentrated.
• Median weekly household income of $1,279 means serviceability usually binds before deposit.
• Low-maintenance stock is scarce, with only 66 townhouses and eight flats recorded.

Lender policy differs between institutions and changes over time. The guide to Australian lenders explains how credit policy varies, and the home loan guide sets out the main loan structures.