Camp Hill vs CarindaleTwo Brisbane suburbs compared for a home loan
Camp Hill (QLD 4152) is approximately 8 km south-east of the Brisbane CBD, on the ridges above Old Cleveland Road. Carindale (QLD 4152) is approximately 13 km south-east of the Brisbane CBD, around Westfield Carindale and Bulimba Creek. At the 2021 Census, Camp Hill had 12,254 residents with a median age of 35, and Carindale had 16,535 residents with a median age of 43.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 5% of occupied dwellings in Camp Hill and 4% in Carindale, while 28% of Camp Hill households rented compared with 15% in Carindale. 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.
QLD 4152 · Inner South East Brisbane
Camp Hill
Camp Hill is a south east Brisbane house suburb where 44.5 per cent of households held a mortgage, well above the national 35.0 per cent.
Brisbane City Council. Approximately 8 km south-east of the Brisbane CBD, on the ridges above Old Cleveland Road.
Read the full Camp Hill guideQLD 4152 · Eastern Brisbane
Carindale
Carindale is an eastern Brisbane suburb of large houses where 46.1 per cent of households owned outright and only 15.0 per cent rented.
Brisbane City Council. Approximately 13 km south-east of the Brisbane CBD, around Westfield Carindale and Bulimba Creek.
Read the full Carindale guide
What buying in Camp Hill and Carindale 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 Camp Hill and Carindale.
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 Camp Hill to see the repayment, transfer duty and upfront cash.
Enter a price for Carindale 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.
Camp Hill and Carindale: 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 | Camp Hill | Carindale |
|---|---|---|
| People and households | ||
| Residents | 12,254 | 16,535 |
| Median ageAustralia 38 | 35 | 43 |
| Average household sizeAustralia 2.5 | 2.8 | 2.8 |
| Median household income, weeklyAustralia $1,746 | $3,085 | $2,375 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $460 | $530 |
| Median mortgage repayment, monthlyAustralia $1,863 | $2,600 | $2,400 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 28% | 15% |
| Owned with a mortgageAustralia 35% | 44% | 37% |
| Owned outrightAustralia 31% | 27% | 46% |
| Types of home | ||
| Separate housesAustralia 72% | 84% | 89% |
| Townhouses, terraces and semi-detachedAustralia 13% | 11% | 7% |
| Flats and apartmentsAustralia 14% | 5% | 4% |
| Homes with two bedrooms or fewer | 15% | 8% |
| Homes with four bedrooms or more | 47% | 68% |
| Dwellings unoccupied on Census night | 5% | 3% |
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 Camp Hill and Carindale
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.
Camp Hill
- Upgraders
- First home buyers
- Median monthly repayments of $2,600 against $1,863 nationally make serviceability the binding constraint.
- Lenders may apply a lower maximum loan-to-value ratio above certain loan or property value thresholds.
- Character planning controls can constrain demolition and raise the cost of compliant repairs.
- Insurance on an older timber house can cost more than on a modern brick equivalent.
- Heavily renovated houses have fewer comparable sales, so valuations can fall short of contract price.
Carindale
- Upgraders
- Downsizers
- Lower loan-to-value caps commonly apply above certain loan or property value thresholds at this end of the market.
- Only 200 unoccupied dwellings out of 5,946 and 46.1 per cent outright ownership mean thin comparable sales.
- Valuation shortfalls are the main financing risk for the largest houses, so a deposit buffer helps.
- Bulimba Creek exposure should be checked through a FloodWise Property Report for the specific address.
- With only 850 rented dwellings, the rental market is small and investment lending is assessed differently.
Housing stock in Camp Hill and Carindale compared
Camp Hill
- Renovated pre-war houses
- Separate houses numbered 3,592 at the 2021 Census, 84.4 per cent of occupied homes, many raised and extended.
- Four and five bedroom homes
- At the 2021 Census, 1,244 dwellings had four bedrooms and 768 had five or more.
- Limited attached housing
- Townhouses numbered 455 and flats or apartments only 203, or 4.8 per cent of occupied homes.
Carindale
- Detached estate houses
- Separate houses numbered 5,093 at the 2021 Census, 88.7 per cent of occupied homes.
- Four and five bedroom homes
- At the 2021 Census, 2,626 dwellings had four bedrooms and 1,288 had five or more.
- Limited townhouses and units
- Townhouses numbered 426 and flats or apartments only 214, or 3.7 per cent of occupied homes.
Official sale price and rent figures for Camp Hill and Carindale
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.
Camp Hill
No government agency publishes a free median sale price or rent series for Camp Hill, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Carindale
No government agency publishes a free median sale price or rent series for Carindale, 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 Camp Hill and Carindale
Camp Hill
Transport
- Coorparoo station (train)
- Norman Park station (train)
- Old Cleveland Road buses (bus)
- Old Cleveland Road (road)
Schools and campuses
- Camp Hill State Infants and Primary School (primary, government)
- St Thomas' Catholic School (primary, catholic)
- Whites Hill State College (combined, government)
Amenities
- Whites Hill Reserve
- Camp Hill Marketplace
- Whites Hill Lookout
- Perth Street Park
Carindale
Transport
- Carindale bus station (bus)
- Old Cleveland Road buses (bus)
- Gateway Motorway (road)
- Creek Road (road)
Schools and campuses
- Belmont State School (primary, government)
- Carina State School (primary, government)
- Citipointe Christian College (combined, independent)
Amenities
- Westfield Carindale
- Belmont Bushland Reserve
- Pacific Golf Club
- Belmont Private Hospital
- Carindale Library
School listings show name, level and sector only. Enrolment areas change, so confirm eligibility for a specific address with the school or the Queensland education department.
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Request a free assessment: Camp Hill or Carindale
An accredited mortgage broker can check your borrowing power against prices in Camp Hill and Carindale, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.