Bull Creek vs WinthropTwo Perth suburbs compared for a home loan
Bull Creek (WA 6149) is approximately 12 km south of the Perth CBD, around Bull Creek station. Winthrop (WA 6150) is approximately 13 km south of the Perth CBD, on a former university pine plantation. At the 2021 Census, Bull Creek had 8,030 residents with a median age of 44, and Winthrop had 6,020 residents with a median age of 45.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 11% of occupied dwellings in Bull Creek and 0% in Winthrop, while 18% of Bull Creek households rented compared with 11% in Winthrop. 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 6149 · Southern suburbs of Perth
Bull Creek
Bull Creek is a City of Melville suburb with its own Mandurah line station, large four-bedroom homes and an apartment component unusual for the district.
City of Melville. Approximately 12 km south of the Perth CBD, around Bull Creek station.
Read the full Bull Creek guideWA 6150 · Southern suburbs of Perth
Winthrop
Winthrop is a City of Melville suburb built on a former UWA pine plantation from the early 1980s, with the highest outright ownership in this set and no flats.
City of Melville. Approximately 13 km south of the Perth CBD, on a former university pine plantation.
Read the full Winthrop guide
What buying in Bull Creek and Winthrop 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 Bull Creek and Winthrop.
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 Bull Creek to see the repayment, transfer duty and upfront cash.
Enter a price for Winthrop 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.
Bull Creek and Winthrop: 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 | Bull Creek | Winthrop |
|---|---|---|
| People and households | ||
| Residents | 8,030 | 6,020 |
| Median ageAustralia 38 | 44 | 45 |
| Average household sizeAustralia 2.5 | 2.7 | 3.0 |
| Median household income, weeklyAustralia $1,746 | $1,880 | $2,324 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $420 | $545 |
| Median mortgage repayment, monthlyAustralia $1,863 | $2,167 | $2,317 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 18% | 11% |
| Owned with a mortgageAustralia 35% | 31% | 34% |
| Owned outrightAustralia 31% | 41% | 55% |
| Types of home | ||
| Separate housesAustralia 72% | 79% | 99% |
| Townhouses, terraces and semi-detachedAustralia 13% | 10% | 1% |
| Flats and apartmentsAustralia 14% | 11% | 0% |
| Homes with two bedrooms or fewer | 14% | 1% |
| Homes with four bedrooms or more | 59% | 90% |
| Dwellings unoccupied on Census night | 7% | 6% |
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 Bull Creek and Winthrop
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.
Bull Creek
- Upgraders
- Downsizers
- First home buyers
- Investors
- 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.
- The area is significant to the Beeliar Aboriginal people, and registered sites can affect development approval.
- Creek and wetland drainage and flood behaviour are local considerations worth checking per lot.
- Western Australian contracts have no mandatory cooling-off period and no mandatory seller disclosure statement.
Winthrop
- Upgraders
- Downsizers
- No flats were recorded at the 2021 Census and only 18 townhouses, so smaller stock is unavailable.
- Outright ownership at 54.8 per cent is the highest in these Perth guides, so turnover is limited.
- Density coding is low across the suburb, so subdivision potential should not be assumed.
- Median monthly mortgage repayments of $2,317 mean serviceability usually binds before deposit.
- Only 10.6 per cent of households with a stated tenure rented, so the tenant pool is thin for investors.
Housing stock in Bull Creek and Winthrop compared
Bull Creek
- Four-bedroom family homes
- The dominant form at 1,381 dwellings counted at the 2021 Census, with 329 more having five or more bedrooms.
- Apartments near the station
- The 330 flats counted at the 2021 Census, 11.5 per cent of occupied homes, are unusual for the southern suburbs.
- Townhouses and semi-detached dwellings
- The 284 attached dwellings counted at the 2021 Census are the other smaller option in the suburb.
Winthrop
- Large four and five bedroom homes
- At the 2021 Census, 1,326 dwellings had four bedrooms and 446 had five or more, against only 161 with three.
- Detached homes from the 1980s onward
- Separate houses numbered 1,942 at the 2021 Census, 98.8 per cent of occupied homes, one of the highest shares in Perth.
- Townhouses
- Only 18 semi-detached or townhouse dwellings were counted at the 2021 Census, and no flats at all.
Official sale price and rent figures for Bull Creek and Winthrop
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.
Bull Creek
No government agency publishes a free median sale price or rent series for Bull Creek, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Winthrop
No government agency publishes a free median sale price or rent series for Winthrop, 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 Bull Creek and Winthrop
Bull Creek
Transport
- Bull Creek Station (train)
- Transperth buses (bus)
- Kwinana Freeway (road)
- South Street (road)
- Leach Highway (road)
Amenities
- Bull Creek shopping centre
- Westfield Booragoon
- Bull Creek wetlands
Winthrop
Transport
- Murdoch Station (train)
- Bull Creek Station (train)
- Transperth buses (bus)
- Kwinana Freeway (road)
- South Street (road)
Amenities
- Winthrop village shopping centre
- Westfield Booragoon
- Winthrop Park
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: Bull Creek or Winthrop
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