Beldon vs CurrambineTwo Perth suburbs compared for a home loan
Beldon (WA 6027) is approximately 23 km north of the Perth CBD, north of Craigie. Currambine (WA 6028) is approximately 29 km north of the Perth CBD, around Currambine station. At the 2021 Census, Beldon had 4,094 residents with a median age of 37, and Currambine had 6,834 residents with a median age of 40.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 1% of occupied dwellings in Beldon and 7% in Currambine, while 20% of Beldon households rented compared with 22% in Currambine. 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 6028 · Northern suburbs of Perth
Currambine
Currambine is a northern Perth suburb developed in the mid-1990s around its own station, with large homes and an unusual apartment component.
City of Joondalup. Approximately 29 km north of the Perth CBD, around Currambine station.
Read the full Currambine guide
What buying in Beldon and Currambine 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 Currambine.
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 Currambine 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 Currambine: 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 | Currambine |
|---|---|---|
| People and households | ||
| Residents | 4,094 | 6,834 |
| Median ageAustralia 38 | 37 | 40 |
| Average household sizeAustralia 2.5 | 2.5 | 2.8 |
| Median household income, weeklyAustralia $1,746 | $1,905 | $2,214 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $370 | $400 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,863 | $2,000 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 20% | 22% |
| Owned with a mortgageAustralia 35% | 51% | 50% |
| Owned outrightAustralia 31% | 29% | 28% |
| Types of home | ||
| Separate housesAustralia 72% | 94% | 91% |
| Townhouses, terraces and semi-detachedAustralia 13% | 5% | 3% |
| Flats and apartmentsAustralia 14% | 1% | 7% |
| Homes with two bedrooms or fewer | 3% | 5% |
| Homes with four bedrooms or more | 42% | 74% |
| 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 Currambine
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.
Currambine
- Upgraders
- First home buyers
- Investors
- Currambine station has no bus connections, so residents reach it on foot, by bicycle or by car.
- Apartments near the station can fall below the minimum internal floor area some lenders require.
- Strata levies are counted in serviceability assessments and reduce borrowing power.
- Half of households with a stated tenure had a mortgage, so budgets are sensitive to repayments.
- Properties near Marmion Avenue, Shenton Avenue or the freeway may be affected by traffic noise.
Housing stock in Beldon and Currambine 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.
Currambine
- Four-bedroom family homes
- The dominant form at 1,565 dwellings counted at the 2021 Census, with 216 more having five or more bedrooms.
- Apartments near the station
- The 163 flats counted at the 2021 Census, 6.7 per cent of occupied homes, are unusual for the northern corridor.
- Three-bedroom houses
- The 479 three-bedroom dwellings counted at the 2021 Census are a smaller part of the market than in older corridor suburbs.
Official sale price and rent figures for Beldon and Currambine
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.
Currambine
No government agency publishes a free median sale price or rent series for Currambine, 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 Currambine
Beldon
Transport
- Whitfords Station (train)
- Joondalup Station (train)
- Transperth buses (bus)
- Marmion Avenue (road)
Amenities
- Beldon local shops
- Westfield Whitford City
- Lakeside Joondalup
Currambine
Transport
- Currambine Station (train)
- Joondalup Station (train)
- Mitchell Freeway (road)
- Marmion Avenue (road)
- Shenton Avenue (road)
Amenities
- Lakeside Joondalup
- Currambine Central
- Currambine local 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.
Compare Beldon or Currambine with another suburb
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Request a free assessment: Beldon or Currambine
An accredited mortgage broker can check your borrowing power against prices in Beldon and Currambine, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.