Applecross vs WillettonTwo Perth suburbs compared for a home loan
Applecross (WA 6153) is approximately 7 km south of the Perth CBD, on a peninsula between the Swan and Canning rivers. Willetton (WA 6155) is approximately 12 km south of the Perth CBD. At the 2021 Census, Applecross had 7,228 residents with a median age of 44, and Willetton had 19,262 residents with a median age of 40.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 17% of occupied dwellings in Applecross and 6% in Willetton, while 28% of Applecross households rented compared with 20% in Willetton. These differences matter for finance, because lenders assess apartments, strata buildings and houses on land differently.
Both suburbs are in the same state, so transfer duty is calculated on the same scale and the difference in upfront cost comes from the purchase price. The panel below applies that scale, and an estimate of lenders mortgage insurance, to the prices you enter.
WA 6153 · Inner southern Perth
Applecross
Applecross is a riverside suburb of large houses south of the Perth CBD, with apartment towers near Canning Bridge and a planned ferry terminal.
City of Melville. Approximately 7 km south of the Perth CBD, on a peninsula between the Swan and Canning rivers.
Read the full Applecross guideWA 6155 · Southern metropolitan Perth
Willetton
Willetton is an established City of Canning family suburb of mostly four-bedroom houses, near Bull Creek and Murdoch stations, with steady infill.
City of Canning. Approximately 12 km south of the Perth CBD.
Read the full Willetton guide
What buying in Applecross and Willetton would mean for the loan
The difference between two suburbs is usually a difference in price, and price drives the deposit, the transfer duty, any lenders mortgage insurance and the repayment. Enter the prices you are seeing and the panel works out each of those for Applecross and Willetton.
Your prices and deposit
Enter the price you are seeing in each suburb. BorrowWise does not quote prices, so the comparison uses yours.
Enter a price for Applecross to see the repayment, transfer duty and upfront cash.
Enter a price for Willetton to see the repayment, transfer duty and upfront cash.
Warning: The interest rate used here is an example only. It is not a comparison rate and is not a rate offered by any lender, and it does not include fees and charges. Different rates, terms, fees or loan amounts will give a different result.
Estimates only. Repayments assume a principal and interest loan at a constant rate, which is an assumption and not a current market rate. Transfer duty is indicative for established homes, first home buyer relief depends on eligibility, and upfront cash includes an allowance of $3,000 for conveyancing and inspections. Lenders mortgage insurance is an estimate and is added to the loan. A lender makes its own assessment.
Applecross and Willetton: Census profile compared
Figures are from the 2021 Census, so rents, repayments and incomes have moved since. They are most useful for comparing one suburb with another and with Australia as a whole.
| Measure | Applecross | Willetton |
|---|---|---|
| People and households | ||
| Residents | 7,228 | 19,262 |
| Median ageAustralia 38 | 44 | 40 |
| Average household sizeAustralia 2.5 | 2.5 | 3.1 |
| Median household income, weeklyAustralia $1,746 | $2,453 | $2,178 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $475 | $400 |
| Median mortgage repayment, monthlyAustralia $1,863 | $2,800 | $2,100 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 28% | 20% |
| Owned with a mortgageAustralia 35% | 26% | 40% |
| Owned outrightAustralia 31% | 44% | 40% |
| Types of home | ||
| Separate housesAustralia 72% | 62% | 90% |
| Townhouses, terraces and semi-detachedAustralia 13% | 21% | 4% |
| Flats and apartmentsAustralia 14% | 17% | 6% |
| Homes with two bedrooms or fewer | 20% | 4% |
| Homes with four bedrooms or more | 44% | 65% |
| Dwellings unoccupied on Census night | 13% | 4% |
Source: Australian Bureau of Statistics, 2021 Census (CC BY 4.0). Tenure shares exclude households that did not state their tenure. Dwelling shares are of occupied private dwellings.
Home loan considerations in Applecross and Willetton
Lenders treat houses on land, townhouses and apartments differently, and some apply extra conditions to small apartments, high-density buildings or particular postcodes. These are the points each guide raises.
Applecross
- Upgraders
- Downsizers
- Investors
- Large loan sizes can exceed the limits some lenders and mortgage insurers apply to high loan-to-value lending, which narrows the options for buyers with small deposits.
- Premiums paid for river outlooks are difficult for valuers to support where comparable sales are few, so a valuation below the contract price is possible.
- Some lenders apply minimum internal floor areas and limit exposure to a single building or to postcodes with many new apartments, which can reduce the loan available.
- Off-the-plan apartments are valued close to completion, and strata levies are counted in serviceability assessments and reduce borrowing power.
- Foreshore streets fall within state floodplain mapping for the Swan and Canning rivers, which may affect insurance premiums and the questions a lender or valuer asks.
- Western Australian contracts have no mandatory cooling-off period, so finance, inspection and strata review conditions need to be written into the offer.
Willetton
- Upgraders
- First home buyers
- Investors
- Large family houses require larger loans, so serviceability at the lender's assessment rate, rather than property type, is usually the limiting factor.
- Upgraders who buy before selling may need bridging finance, or an offer condition that makes the purchase subject to the sale of an existing home.
- Western Australian contracts have no mandatory cooling-off period, so finance and inspection conditions need to be written into the offer before signing.
- Buyers planning to subdivide or rebuild usually need a construction loan with staged drawdowns, and lenders may ask for approvals and a fixed-price building contract.
- Survey-strata and rear lots are generally accepted as security, but shared driveways, small lot areas and highway noise may attract valuer comment.
- Unapproved patios, pools and additions on older houses can delay a valuation or settlement if the lender asks for evidence of council approval.
Housing stock in Applecross and Willetton compared
Applecross
- Detached houses on large lots
- Separate houses numbered 1,726 of 2,790 occupied dwellings at the 2021 Census, most on land coded R12.5 or R15 under Local Planning Scheme No. 6.
- Townhouses and villas
- Semi-detached, terrace and townhouse dwellings numbered 599 at the 2021 Census, mostly on higher coded land near Canning Highway and the centres.
- Apartments near Canning Bridge
- Low-rise flats and newer towers in the Canning Bridge Activity Centre Plan area, where mixed use zones allow 10 and 15 storeys with possible bonus height.
Willetton
- Established four-bedroom family houses
- Detached homes dating from the mid-1960s onward; four-bedroom dwellings numbered 3,314 at the 2021 Census.
- Older three-bedroom houses
- The 1,916 three-bedroom homes counted at the 2021 Census are typically among the earlier and smaller houses.
- Infill houses, villas and townhouses
- Subdivision under the R20 base code and in R30 and R40 pockets has added newer homes, including survey-strata lots.
- Flats and apartments
- Only 350 flats or apartments were counted at the 2021 Census, so small dwellings are scarce.
Official sale price and rent figures for Applecross and Willetton
Only figures published free of charge by a government agency are shown. Where none is published the space is left empty rather than filled with an estimate. Each guide charts the full series.
Applecross
No government agency publishes a free median sale price or rent series for Applecross, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Willetton
No government agency publishes a free median sale price or rent series for Willetton, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Transport, schools and amenities in Applecross and Willetton
Applecross
Transport
- Canning Bridge Station (train)
- Transperth route 910 (bus)
- Transperth routes 148 and 158 (bus)
- Planned Applecross ferry terminal (ferry)
- Canning Highway (road)
Schools and campuses
- Applecross Primary School (primary, government)
- St Benedict's School (primary, catholic)
- Applecross Senior High School (secondary, government)
- Ardross Primary School (primary, government)
Amenities
- Goolugatup Heathcote cultural precinct
- Jeff Joseph Reserve
- Gairloch Reserve
- Applecross District Hall (Tivoli Theatre)
- Riseley Centre
Willetton
Transport
- Bull Creek Station (train)
- Murdoch Station (train)
- Transperth route 925 (bus)
- Nicholson Road Station (train)
- Roe Highway (road)
- Leach Highway and South Street (road)
Schools and campuses
- Willetton Senior High School (secondary, government)
- Willetton Primary School (primary, government)
- Burrendah Primary School (primary, government)
- Rostrata Primary School (primary, government)
- Castlereagh School (special, government)
- Orana Catholic Primary School (primary, catholic)
Amenities
- Southlands Boulevarde shopping centre
- Willetton Library
- Willetton Sports and Community Centre, Burrendah Reserve
- Willetton Reserve
- Fiona Stanley Hospital, Murdoch
- Murdoch University, Murdoch
School listings show name, level and sector only. Enrolment areas change, so confirm eligibility for a specific address with the school or the Western Australia education department.
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