Carine vs KarrinyupTwo Perth suburbs compared for a home loan
Carine (WA 6020) is approximately 13 km north-west of the Perth CBD. Karrinyup (WA 6018) is approximately 12 km north of the Perth CBD, around Karrinyup Shopping Centre. At the 2021 Census, Carine had 7,330 residents with a median age of 43, and Karrinyup had 9,886 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 2% in Karrinyup, while 10% of Carine households rented compared with 18% in Karrinyup. 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 · Northern suburbs of Perth
Karrinyup
Karrinyup is an established City of Stirling suburb of large family homes around one of Western Australia's largest shopping centres.
City of Stirling. Approximately 12 km north of the Perth CBD, around Karrinyup Shopping Centre.
Read the full Karrinyup guide
What buying in Carine and Karrinyup 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 Karrinyup.
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 Karrinyup 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 Karrinyup: 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 | Karrinyup |
|---|---|---|
| People and households | ||
| Residents | 7,330 | 9,886 |
| Median ageAustralia 38 | 43 | 41 |
| Average household sizeAustralia 2.5 | 2.8 | 2.7 |
| Median household income, weeklyAustralia $1,746 | $2,442 | $2,456 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $450 | $450 |
| Median mortgage repayment, monthlyAustralia $1,863 | $2,340 | $2,588 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 10% | 18% |
| Owned with a mortgageAustralia 35% | 43% | 40% |
| Owned outrightAustralia 31% | 45% | 39% |
| Types of home | ||
| Separate housesAustralia 72% | 86% | 87% |
| Townhouses, terraces and semi-detachedAustralia 13% | 10% | 12% |
| Flats and apartmentsAustralia 14% | 4% | 2% |
| Homes with two bedrooms or fewer | 9% | 9% |
| Homes with four bedrooms or more | 68% | 51% |
| Dwellings unoccupied on Census night | 4% | 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 Carine and Karrinyup
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.
Karrinyup
- Upgraders
- Downsizers
- Investors
- Median monthly mortgage repayments of $2,588 mean serviceability usually binds before deposit.
- Only 56 flats were counted at the 2021 Census, so apartment stock is effectively unavailable.
- Density coding varies sharply between the shopping centre surrounds and the outer residential streets.
- Properties near Karrinyup Shopping Centre carry convenience alongside traffic and activity.
- Western Australian contracts have no mandatory cooling-off period and no mandatory seller disclosure statement.
Housing stock in Carine and Karrinyup 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.
Karrinyup
- Four-bedroom family homes
- The most common size at 1,445 dwellings counted at the 2021 Census, with 306 more having five or more bedrooms.
- Three-bedroom houses
- The 1,312 three-bedroom dwellings counted at the 2021 Census are generally the earlier homes on established lots.
- Townhouses
- The 393 semi-detached or townhouse dwellings counted at the 2021 Census, against only 56 flats.
Official sale price and rent figures for Carine and Karrinyup
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.
Karrinyup
No government agency publishes a free median sale price or rent series for Karrinyup, 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 Karrinyup
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)
Karrinyup
Transport
- Stirling Station (train)
- Warwick Station (train)
- Transperth buses (bus)
- Mitchell Freeway (road)
- West Coast Highway (road)
Amenities
- Karrinyup Shopping Centre
- Lake Karrinyup Country Club
- Trigg and Scarborough beaches
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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