Belmont vs CloverdaleTwo Perth suburbs compared for a home loan
Belmont (WA 6104) is approximately 7 km east of the Perth CBD, on the southern bank of the Swan River. Cloverdale (WA 6105) is approximately 10 km east of the Perth CBD, west of Perth Airport. At the 2021 Census, Belmont had 6,959 residents with a median age of 36, and Cloverdale had 8,864 residents with a median age of 34.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 6% of occupied dwellings in Belmont and 6% in Cloverdale, while 45% of Belmont households rented compared with 44% in Cloverdale. 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 6104 · Inner eastern suburbs of Perth
Belmont
Belmont is a mixed-use inner-eastern Perth suburb on the Swan River, part industrial and part residential, where 45 per cent of households rent.
City of Belmont. Approximately 7 km east of the Perth CBD, on the southern bank of the Swan River.
Read the full Belmont guideWA 6105 · Inner eastern suburbs of Perth
Cloverdale
Cloverdale is an inner-eastern Perth suburb named after a 1910 estate subdivision, with substantial townhouse infill and 44 per cent of households renting.
City of Belmont. Approximately 10 km east of the Perth CBD, west of Perth Airport.
Read the full Cloverdale guide
What buying in Belmont and Cloverdale 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 Belmont and Cloverdale.
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 Belmont to see the repayment, transfer duty and upfront cash.
Enter a price for Cloverdale 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.
Belmont and Cloverdale: 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 | Belmont | Cloverdale |
|---|---|---|
| People and households | ||
| Residents | 6,959 | 8,864 |
| Median ageAustralia 38 | 36 | 34 |
| Average household sizeAustralia 2.5 | 2.3 | 2.4 |
| Median household income, weeklyAustralia $1,746 | $1,557 | $1,520 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $350 | $340 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,733 | $1,700 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 45% | 44% |
| Owned with a mortgageAustralia 35% | 32% | 32% |
| Owned outrightAustralia 31% | 22% | 22% |
| Types of home | ||
| Separate housesAustralia 72% | 75% | 74% |
| Townhouses, terraces and semi-detachedAustralia 13% | 18% | 20% |
| Flats and apartmentsAustralia 14% | 6% | 6% |
| Homes with two bedrooms or fewer | 23% | 22% |
| Homes with four bedrooms or more | 25% | 26% |
| Dwellings unoccupied on Census night | 12% | 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 Belmont and Cloverdale
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.
Belmont
- First home buyers
- Investors
- Upgraders
- The western part of the suburb is industrial and commercial, and lenders may view nearby security conservatively.
- Perth Airport lies a short distance east, so aircraft movements can be audible in parts of the suburb.
- Renting at 45.2 per cent means investment lending is common and assessed on different terms.
- Strata levies on townhouse and apartment stock are counted in serviceability assessments.
- Western Australian contracts have no mandatory cooling-off period and no mandatory seller disclosure statement.
Cloverdale
- First home buyers
- Investors
- Upgraders
- Perth Airport lies immediately east, and aircraft noise is the most significant environmental factor here.
- Aircraft movements occur at night as well as during the day, so a single daytime inspection may mislead.
- There is no mandatory seller disclosure statement in Western Australia, so noise is unlikely to be volunteered.
- Strata levies on the townhouse stock are counted in serviceability assessments.
- Renting at 44.4 per cent means investment lending is common and assessed on different terms.
Housing stock in Belmont and Cloverdale compared
Belmont
- Detached houses
- Separate houses numbered 2,156 at the 2021 Census, 75.4 per cent of occupied homes in the eastern and northern residential areas.
- Townhouses and semi-detached dwellings
- At 525 dwellings, or 18.4 per cent of occupied homes, attached infill is above the national share.
- Three-bedroom homes
- The dominant size at 1,420 dwellings counted at the 2021 Census, against 630 with four bedrooms.
Cloverdale
- Detached houses
- Separate houses numbered 2,513 at the 2021 Census, 73.9 per cent of occupied homes.
- Townhouses and villa units
- At 669 dwellings, or 19.7 per cent of occupied homes, attached infill is above the national share.
- Three-bedroom homes
- The dominant size at 1,676 dwellings counted at the 2021 Census, against 767 with four bedrooms.
Official sale price and rent figures for Belmont and Cloverdale
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.
Belmont
No government agency publishes a free median sale price or rent series for Belmont, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Cloverdale
No government agency publishes a free median sale price or rent series for Cloverdale, 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 Belmont and Cloverdale
Belmont
Transport
- Redcliffe Station (train)
- Transperth buses (bus)
- Great Eastern Highway (road)
- Belmont Avenue (road)
Amenities
- Belmont Forum
- Swan River foreshore
- Belmont Oasis
Cloverdale
Transport
- Redcliffe Station (train)
- Airport Central Station (train)
- Transperth buses (bus)
- Great Eastern Highway (road)
- Tonkin Highway (road)
Amenities
- Belmont Forum
- Cloverdale local shops
- Cloverdale 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: Belmont or Cloverdale
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