Aveley vs MidvaleTwo Perth suburbs compared for a home loan
Aveley (WA 6069) is approximately 30 km north-east of the Perth CBD, adjoining Ellenbrook. Midvale (WA 6056) is approximately 17 km east of the Perth CBD, adjoining Midland. At the 2021 Census, Aveley had 13,998 residents with a median age of 31, and Midvale had 2,283 residents with a median age of 35.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 0% of occupied dwellings in Aveley and 0% in Midvale, while 19% of Aveley households rented compared with 32% in Midvale. 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 6069 · North-eastern growth corridor of Perth
Aveley
Aveley is a City of Swan estate suburb built from 2004 on the Belhus Estate, where 68.8 per cent of households hold a mortgage and only 11.6 per cent own outright.
City of Swan. Approximately 30 km north-east of the Perth CBD, adjoining Ellenbrook.
Read the full Aveley guideWA 6056 · Eastern suburbs of Perth
Midvale
Midvale is a small 1950s suburb beside Midland with a substantial State Housing component, renewed from the 1990s, where the median rent was $275 a week.
City of Swan. Approximately 17 km east of the Perth CBD, adjoining Midland.
Read the full Midvale guide
What buying in Aveley and Midvale 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 Aveley and Midvale.
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 Aveley to see the repayment, transfer duty and upfront cash.
Enter a price for Midvale 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.
Aveley and Midvale: 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 | Aveley | Midvale |
|---|---|---|
| People and households | ||
| Residents | 13,998 | 2,283 |
| Median ageAustralia 38 | 31 | 35 |
| Average household sizeAustralia 2.5 | 2.9 | 2.5 |
| Median household income, weeklyAustralia $1,746 | $2,165 | $1,433 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $390 | $275 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,950 | $1,742 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 19% | 32% |
| Owned with a mortgageAustralia 35% | 69% | 51% |
| Owned outrightAustralia 31% | 12% | 16% |
| Types of home | ||
| Separate housesAustralia 72% | 93% | 82% |
| Townhouses, terraces and semi-detachedAustralia 13% | 7% | 18% |
| Flats and apartmentsAustralia 14% | 0% | 0% |
| Homes with two bedrooms or fewer | 2% | 19% |
| Homes with four bedrooms or more | 61% | 36% |
| Dwellings unoccupied on Census night | 5% | 11% |
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 Aveley and Midvale
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.
Aveley
- First home buyers
- Upgraders
- Investors
- Estate design guidelines and restrictive covenants run with the land and bind later buyers.
- A house and land package is usually two contracts, for the land and for the build, with different risks.
- A construction loan draws down in stages against an as-if-complete valuation.
- Some lenders apply postcode-based limits to high loan-to-value lending in growth corridors.
- Where many near-identical homes settle together, a valuation can come in below an earlier contract price.
Midvale
- First home buyers
- Investors
- Some lenders apply lower maximum loan-to-value ratios where social housing is concentrated.
- At 841 occupied dwellings, comparable sales evidence is thin and valuations less predictable.
- The suburb is split between the City of Swan and the Shire of Mundaring.
- Median weekly household income of $1,433 means serviceability commonly binds.
- The Great Eastern Highway and the Eastern Railway bound the suburb on two sides.
Housing stock in Aveley and Midvale compared
Aveley
- Estate housing from 2004 onward
- Separate houses numbered 4,367 at the 2021 Census, 92.9 per cent of occupied homes.
- Four bedroom family homes
- At the 2021 Census, 2,651 dwellings had four bedrooms against 1,685 with three.
- Townhouses
- The 321 semi-detached or townhouse dwellings counted at the 2021 Census, with only 15 flats.
Midvale
- 1950s and renewal-era houses
- Separate houses numbered 687 at the 2021 Census, 81.7 per cent of occupied homes.
- Townhouses and villa units
- At 150 dwellings, or 17.8 per cent of occupied homes, above the national 12.6 per cent.
- Three and four bedroom homes
- At the 2021 Census, 374 dwellings had three bedrooms and 273 had four.
Official sale price and rent figures for Aveley and Midvale
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.
Aveley
No government agency publishes a free median sale price or rent series for Aveley, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Midvale
No government agency publishes a free median sale price or rent series for Midvale, 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 Aveley and Midvale
Aveley
Transport
- Ellenbrook Station (train)
- Whiteman Park Station (train)
- Transperth buses (bus)
- Tonkin Highway (road)
Amenities
- Vale Town Centre
- Aveley wetland reserves
- Ellen Brook corridor
Midvale
Transport
- Midland Station (train)
- Transperth buses (bus)
- Great Eastern Highway (road)
- Roe Highway (road)
Amenities
- Midland town centre
- Helena Vale reserves
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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Request a free assessment: Aveley or Midvale
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