Beldon vs CraigieTwo Perth suburbs compared for a home loan
Beldon (WA 6027) is approximately 23 km north of the Perth CBD, north of Craigie. Craigie (WA 6025) is approximately 21 km north of the Perth CBD, one of the four Whitfords suburbs. At the 2021 Census, Beldon had 4,094 residents with a median age of 37, and Craigie had 6,456 residents with a median age of 35.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 1% of occupied dwellings in Beldon and 1% in Craigie, while 20% of Beldon households rented compared with 24% in Craigie. 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 6027 · Northern suburbs of Perth
Beldon
Beldon is a small northern Perth suburb proposed in 1974, built almost entirely of detached houses with half of households paying a mortgage.
City of Joondalup. Approximately 23 km north of the Perth CBD, north of Craigie.
Read the full Beldon guideWA 6025 · Northern suburbs of Perth
Craigie
Craigie is a northern Perth suburb from the 1969 Whitfords rezoning, with a young population, three-bedroom stock and a quarter of households renting.
City of Joondalup. Approximately 21 km north of the Perth CBD, one of the four Whitfords suburbs.
Read the full Craigie guide
What buying in Beldon and Craigie 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 Beldon and Craigie.
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 Beldon to see the repayment, transfer duty and upfront cash.
Enter a price for Craigie 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.
Beldon and Craigie: 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 | Beldon | Craigie |
|---|---|---|
| People and households | ||
| Residents | 4,094 | 6,456 |
| Median ageAustralia 38 | 37 | 35 |
| Average household sizeAustralia 2.5 | 2.5 | 2.4 |
| Median household income, weeklyAustralia $1,746 | $1,905 | $1,792 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $370 | $375 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,863 | $1,733 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 20% | 24% |
| Owned with a mortgageAustralia 35% | 51% | 49% |
| Owned outrightAustralia 31% | 29% | 25% |
| Types of home | ||
| Separate housesAustralia 72% | 94% | 88% |
| Townhouses, terraces and semi-detachedAustralia 13% | 5% | 11% |
| Flats and apartmentsAustralia 14% | 1% | 1% |
| Homes with two bedrooms or fewer | 3% | 5% |
| Homes with four bedrooms or more | 42% | 35% |
| Dwellings unoccupied on Census night | 5% | 5% |
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 Beldon and Craigie
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.
Beldon
- First home buyers
- Upgraders
- Investors
- The suburb is small, with 1,563 occupied dwellings, so listings and comparable sales are few.
- Half of households with a stated tenure had a mortgage, so budgets are sensitive to repayments.
- High loan-to-value borrowing is common, so lenders mortgage insurance or the 5% Deposit Scheme is often relevant.
- Western Australian contracts have no mandatory cooling-off period and no mandatory seller disclosure statement.
- Low-maintenance stock is scarce, with only 80 townhouses and eight flats recorded.
Craigie
- First home buyers
- Investors
- Upgraders
- Outright ownership was only 25.4 per cent, so budgets are more sensitive to repayments than in neighbouring suburbs.
- Renting at 24.2 per cent gives investors a deeper tenant pool than most of the surrounding corridor.
- Density coding that supports infill can materially affect land value on a smaller original lot.
- Western Australian contracts have no mandatory cooling-off period and no mandatory seller disclosure statement.
- Homes built before the 1980s may contain asbestos-containing materials, which inspections consider.
Housing stock in Beldon and Craigie compared
Beldon
- Detached houses
- Separate houses numbered 1,476 at the 2021 Census, 94.4 per cent of occupied homes, built after the suburb was proposed in 1974.
- Three and four bedroom homes
- At the 2021 Census, 849 dwellings had three bedrooms and 584 had four, with only 32 two-bedroom homes.
- Townhouses and flats
- Only 80 semi-detached or townhouse dwellings and eight flats were counted at the 2021 Census.
Craigie
- Three-bedroom houses
- The dominant size at 1,537 dwellings counted at the 2021 Census, against 822 with four bedrooms.
- Detached homes from the 1970s
- Separate houses numbered 2,308 at the 2021 Census, 88.4 per cent of occupied homes, built after the 1969 rezoning.
- Townhouses and semi-detached dwellings
- The 276 attached dwellings counted at the 2021 Census, 10.6 per cent of occupied homes.
Official sale price and rent figures for Beldon and Craigie
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.
Beldon
No government agency publishes a free median sale price or rent series for Beldon, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Craigie
No government agency publishes a free median sale price or rent series for Craigie, 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 Beldon and Craigie
Beldon
Transport
- Whitfords Station (train)
- Joondalup Station (train)
- Transperth buses (bus)
- Marmion Avenue (road)
Amenities
- Beldon local shops
- Westfield Whitford City
- Lakeside Joondalup
Craigie
Transport
- Whitfords Station (train)
- Joondalup Station (train)
- Route 463 (bus)
- Marmion Avenue (road)
Amenities
- Westfield Whitford City
- Craigie Leisure Centre
- Craigie local shops
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: Beldon or Craigie
An accredited mortgage broker can check your borrowing power against prices in Beldon and Craigie, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.