Brahma Lodge vs Parafield GardensTwo Adelaide suburbs compared for a home loan
Brahma Lodge (SA 5109) is approximately 21 km north of the Adelaide CBD, south-east of the Salisbury town centre. Parafield Gardens (SA 5107) is approximately 18 km north of the Adelaide CBD, west of Parafield Airport. At the 2021 Census, Brahma Lodge had 3,380 residents with a median age of 37, and Parafield Gardens had 18,467 residents with a median age of 36.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 1% of occupied dwellings in Brahma Lodge and 2% in Parafield Gardens, while 30% of Brahma Lodge households rented compared with 29% in Parafield Gardens. 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.
SA 5109 · Adelaide's northern suburbs
Brahma Lodge
Brahma Lodge is a compact northern Adelaide suburb named after a trotting horse stud, built almost entirely of detached three-bedroom houses.
City of Salisbury. Approximately 21 km north of the Adelaide CBD, south-east of the Salisbury town centre.
Read the full Brahma Lodge guideSA 5107 · Adelaide's northern suburbs
Parafield Gardens
Parafield Gardens is a large northern Adelaide suburb of detached family homes beside Parafield Airport, with balanced tenure and plentiful stock.
City of Salisbury. Approximately 18 km north of the Adelaide CBD, west of Parafield Airport.
Read the full Parafield Gardens guide
What buying in Brahma Lodge and Parafield Gardens 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 Brahma Lodge and Parafield Gardens.
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 Brahma Lodge to see the repayment, transfer duty and upfront cash.
Enter a price for Parafield Gardens 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.
Brahma Lodge and Parafield Gardens: 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 | Brahma Lodge | Parafield Gardens |
|---|---|---|
| People and households | ||
| Residents | 3,380 | 18,467 |
| Median ageAustralia 38 | 37 | 36 |
| Average household sizeAustralia 2.5 | 2.6 | 2.9 |
| Median household income, weeklyAustralia $1,746 | $1,081 | $1,384 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $290 | $300 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,170 | $1,382 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 30% | 29% |
| Owned with a mortgageAustralia 35% | 38% | 41% |
| Owned outrightAustralia 31% | 31% | 28% |
| Types of home | ||
| Separate housesAustralia 72% | 94% | 89% |
| Townhouses, terraces and semi-detachedAustralia 13% | 5% | 8% |
| Flats and apartmentsAustralia 14% | 1% | 2% |
| Homes with two bedrooms or fewer | 8% | 10% |
| Homes with four bedrooms or more | 15% | 27% |
| Dwellings unoccupied on Census night | 6% | 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 Brahma Lodge and Parafield Gardens
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.
Brahma Lodge
- First home buyers
- Upgraders
- Investors
- The suburb is small, with 1,241 occupied dwellings, so comparable sales evidence can be thinner than nearby.
- Median weekly household income of $1,081 was well below the national figure, so serviceability usually binds first.
- High loan-to-value borrowing is common, so lenders mortgage insurance or the 5% Deposit Scheme is often relevant.
- Homes built before the 1980s may contain asbestos-containing materials, which inspections and some insurers consider.
- Where a property is connected to the Salisbury Water recycled supply, plumbing alterations should be checked.
Parafield Gardens
- First home buyers
- Upgraders
- Investors
- Parafield Airport adjoins the suburb to the east, and aircraft noise exposure may affect value on nearby streets.
- Median weekly household income of $1,384 was below the national figure, so serviceability often binds before deposit.
- High loan-to-value borrowing is common, so lenders mortgage insurance or the 5% Deposit Scheme is often relevant.
- Plentiful comparable sales make valuations predictable across the suburb.
- Where a property is connected to the Salisbury Water recycled supply, plumbing alterations should be checked.
Housing stock in Brahma Lodge and Parafield Gardens compared
Brahma Lodge
- Detached houses from the 1960s onward
- Separate houses numbered 1,166 at the 2021 Census, 94.0 per cent of occupied homes, following the first subdivision in 1960.
- Three-bedroom homes
- The dominant size at 928 dwellings counted at the 2021 Census, against 166 with four bedrooms.
- Townhouses and flats
- Only 68 semi-detached or townhouse dwellings and 14 flats were counted at the 2021 Census.
Parafield Gardens
- Detached family houses
- Separate houses numbered 5,483 at the 2021 Census, 89.3 per cent of occupied homes, well above the national 72.3 per cent.
- Three and four bedroom homes
- At the 2021 Census, 3,774 dwellings had three bedrooms and 1,449 had four, with 516 two-bedroom homes.
- Townhouses and semi-detached dwellings
- The 513 attached dwellings counted at the 2021 Census are the main smaller option in the suburb.
Official sale price and rent figures for Brahma Lodge and Parafield Gardens
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.
Brahma Lodge
No government agency publishes a free median sale price or rent series for Brahma Lodge, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Parafield Gardens
No government agency publishes a free median sale price or rent series for Parafield Gardens, 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 Brahma Lodge and Parafield Gardens
Brahma Lodge
Transport
- Salisbury Interchange (train)
- Adelaide Metro buses (bus)
- Main North Road (road)
- Park Terrace (road)
Amenities
- Brahma Lodge local shops
- Salisbury town centre
Parafield Gardens
Transport
- Salisbury Interchange (train)
- Adelaide Metro buses (bus)
- Salisbury Highway (road)
- Parafield Airport (airport)
Amenities
- Parafield Gardens local shops
- Salisbury town centre
School listings show name, level and sector only. Enrolment areas change, so confirm eligibility for a specific address with the school or the South Australia education department.
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Request a free assessment: Brahma Lodge or Parafield Gardens
An accredited mortgage broker can check your borrowing power against prices in Brahma Lodge and Parafield Gardens, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.