Carine vs ChurchlandsTwo Perth suburbs compared for a home loan
Carine (WA 6020) is approximately 13 km north-west of the Perth CBD. Churchlands (WA 6018) is approximately 7 km north-west of the Perth CBD, on the western side of Herdsman Lake. At the 2021 Census, Carine had 7,330 residents with a median age of 43, and Churchlands had 3,638 residents with a median age of 41.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 4% of occupied dwellings in Carine and 28% in Churchlands, while 10% of Carine households rented compared with 26% in Churchlands. 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 6020 · Northern metropolitan Perth
Carine
Carine is an established City of Stirling suburb of mostly detached family houses around Carine Regional Open Space, with Warwick Station close by.
City of Stirling. Approximately 13 km north-west of the Perth CBD.
Read the full Carine guideWA 6018 · Inner north-west metropolitan Perth
Churchlands
Churchlands is a small City of Stirling suburb beside Herdsman Lake, where large modern houses sit alongside a sizeable minority of apartments and units.
City of Stirling. Approximately 7 km north-west of the Perth CBD, on the western side of Herdsman Lake.
Read the full Churchlands guide
What buying in Carine and Churchlands 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 Carine and Churchlands.
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 Carine to see the repayment, transfer duty and upfront cash.
Enter a price for Churchlands 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.
Carine and Churchlands: 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 | Carine | Churchlands |
|---|---|---|
| People and households | ||
| Residents | 7,330 | 3,638 |
| Median ageAustralia 38 | 43 | 41 |
| Average household sizeAustralia 2.5 | 2.8 | 2.6 |
| Median household income, weeklyAustralia $1,746 | $2,442 | $2,314 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $450 | $365 |
| Median mortgage repayment, monthlyAustralia $1,863 | $2,340 | $2,600 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 10% | 26% |
| Owned with a mortgageAustralia 35% | 43% | 36% |
| Owned outrightAustralia 31% | 45% | 38% |
| Types of home | ||
| Separate housesAustralia 72% | 86% | 63% |
| Townhouses, terraces and semi-detachedAustralia 13% | 10% | 8% |
| Flats and apartmentsAustralia 14% | 4% | 28% |
| Homes with two bedrooms or fewer | 9% | 27% |
| Homes with four bedrooms or more | 68% | 52% |
| Dwellings unoccupied on Census night | 4% | 8% |
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 Carine and Churchlands
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.
Carine
- Upgraders
- Downsizers
- First home buyers
- Large family houses require larger loans, so serviceability at the lender's assessment rate, not the property type, is usually the limiting factor.
- Upgraders who buy before selling may need bridging finance, or an offer condition that makes the purchase subject to the sale of an existing home.
- Western Australian contracts have no mandatory cooling-off period, so finance and inspection conditions need to be written into the offer before signing.
- Unapproved patios, pools and upper-floor additions can delay a valuation or settlement if the lender asks for evidence of council approval.
- Apartments carry strata levies that reduce borrowing capacity, and retirement village units are generally outside standard home loan products.
- Houses beside the Mitchell Freeway, Reid Highway or Marmion Avenue may attract valuer comment on traffic noise.
Churchlands
- Upgraders
- Downsizers
- Investors
- First home buyers
- Large houses require large loans, so serviceability at the lender's assessment rate is usually the limiting factor for upgraders.
- Individually designed and lake-side homes have fewer comparable sales, so a valuation below the contract price is a possibility worth planning for.
- Strata levies are included in serviceability assessments and reduce borrowing capacity for units and apartments.
- Small apartments may fall below the minimum internal floor area that certain lenders and mortgage insurers require.
- Western Australian contracts have no mandatory cooling-off period, so finance, inspection and strata document conditions need to be written into the offer.
- New building work in the designated bush fire prone band may need a Bushfire Attack Level assessment, which can add to construction costs.
Housing stock in Carine and Churchlands compared
Carine
- Established four-bedroom family houses
- Brick houses built since the 1970s, many double-storey; four-bedroom dwellings numbered 1,372 at the 2021 Census.
- Older three-bedroom houses and duplexes
- The 570 three-bedroom homes counted at the 2021 Census include earlier houses and duplex halves created by infill.
- Townhouses and villas
- Semi-detached and townhouse dwellings made up 250 of the occupied homes counted at the 2021 Census.
- Apartments on the former TAFE site
- Of 100 occupied flats or apartments at the 2021 Census, 96 were in blocks of four to eight storeys.
Churchlands
- Large modern family houses
- Two-storey homes built from the 1980s onward; four-bedroom dwellings numbered 506 at the 2021 Census.
- Houses on the former campus and at Floreat Lakes
- Newer homes on the Churchlands Green subdivision and in the north-eastern part of the suburb beside Herdsman Lake.
- Apartments and units
- The 2021 Census counted 378 occupied flats or apartments, 77 of them in blocks of four to eight storeys.
- Duplexes and townhouses
- Infill duplexes and the 108 semi-detached or townhouse dwellings counted at the 2021 Census.
Official sale price and rent figures for Carine and Churchlands
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.
Carine
No government agency publishes a free median sale price or rent series for Carine, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Churchlands
No government agency publishes a free median sale price or rent series for Churchlands, 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 Carine and Churchlands
Carine
Transport
- Warwick Station (train)
- Transperth routes 441 to 444 (bus)
- Transperth routes 423, 424 and 425 (bus)
- Mitchell Freeway (road)
- Reid Highway (road)
- Marmion Avenue (road)
Schools and campuses
- Carine Senior High School (secondary, government)
- Carine Primary School (primary, government)
- Our Lady of Grace School (North Beach) (primary, catholic)
Amenities
- Carine Regional Open Space
- Carine Regional Open Space skate park
- Karrinyup Shopping Centre (Karrinyup)
- Osborne Park Hospital (Stirling)
- Glengarry Private Hospital (Duncraig)
Churchlands
Transport
- Glendalough Station (train)
- Stirling Station (train)
- Transperth routes 998 and 999 (bus)
- Transperth routes 83 and 84 (bus)
- Pearson Street (road)
Schools and campuses
- Churchlands Senior High School (secondary, government)
- Newman College (combined, catholic)
- Churchlands Primary School (Floreat) (primary, government)
Amenities
- Herdsman Lake Regional Park
- Edith Cowan Reserve
- Memory Park
- Flynn Street deli and growers' market
- Sir Charles Gairdner Hospital (Nedlands)
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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