Carine vs JoondalupTwo Perth suburbs compared for a home loan
Carine (WA 6020) is approximately 13 km north-west of the Perth CBD. Joondalup (WA 6027) is approximately 26 km north of the Perth CBD. At the 2021 Census, Carine had 7,330 residents with a median age of 43, and Joondalup had 9,193 residents with a median age of 39.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 4% of occupied dwellings in Carine and 24% in Joondalup, while 10% of Carine households rented compared with 41% in Joondalup. 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 6027 · Northern suburbs of Perth
Joondalup
Joondalup is the planned regional centre of Perth's north, with a rail station, university, major hospital and a mix of houses and apartments.
City of Joondalup. Approximately 26 km north of the Perth CBD.
Read the full Joondalup guide
What buying in Carine and Joondalup 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 Joondalup.
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 Joondalup 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 Joondalup: 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 | Joondalup |
|---|---|---|
| People and households | ||
| Residents | 7,330 | 9,193 |
| Median ageAustralia 38 | 43 | 39 |
| Average household sizeAustralia 2.5 | 2.8 | 2.3 |
| Median household income, weeklyAustralia $1,746 | $2,442 | $1,688 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $450 | $360 |
| Median mortgage repayment, monthlyAustralia $1,863 | $2,340 | $1,733 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 10% | 41% |
| Owned with a mortgageAustralia 35% | 43% | 33% |
| Owned outrightAustralia 31% | 45% | 25% |
| Types of home | ||
| Separate housesAustralia 72% | 86% | 57% |
| Townhouses, terraces and semi-detachedAustralia 13% | 10% | 19% |
| Flats and apartmentsAustralia 14% | 4% | 24% |
| Homes with two bedrooms or fewer | 9% | 26% |
| Homes with four bedrooms or more | 68% | 41% |
| Dwellings unoccupied on Census night | 4% | 10% |
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 Joondalup
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.
Joondalup
- First home buyers
- Investors
- Upgraders
- Downsizers
- Studio apartments and purpose-built student accommodation may not meet the minimum floor area or security type requirements of some lenders.
- Off-the-plan purchases are valued close to settlement, and a valuation below the contract price would need to be covered from the buyer's own funds.
- Lenders mortgage insurance is likely to apply to purchases with a small deposit, and adding the premium to the loan increases total interest costs.
- Strata levies on townhouses and apartments are counted as a living cost in serviceability assessments and reduce borrowing capacity.
- With no mandatory cooling-off period in Western Australia, a finance condition with a realistic approval date protects buyers whose loan is not yet formally approved.
Housing stock in Carine and Joondalup 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.
Joondalup
- Detached brick and tile houses
- Family homes on moderately sized lots, mostly built from the late twentieth century onwards; 2,037 separate houses were counted at the 2021 Census.
- Townhouses and grouped dwellings
- Lower-maintenance strata homes located close to the station, university and shopping precinct.
- Apartments and student accommodation
- Low-rise units in the city centre, including some small dwellings designed primarily for student tenants.
Official sale price and rent figures for Carine and Joondalup
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.
Joondalup
No government agency publishes a free median sale price or rent series for Joondalup, 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 Joondalup
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)
Joondalup
Transport
- Joondalup Station (train)
- Joondalup CAT (bus)
- Mitchell Freeway (road)
- Joondalup Drive (road)
Schools and campuses
- Joondalup Primary School (primary, government)
- Lake Joondalup Baptist College (combined, independent)
- Edith Cowan University, Joondalup Campus (tertiary, university)
- North Metropolitan TAFE, Joondalup (Kendrew Crescent) (tertiary, tafe)
Amenities
- Joondalup Health Campus
- Lakeside Joondalup
- Yellagonga Regional Park
- Neil Hawkins Park
- Arena Joondalup
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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