Griffin vs KallangurTwo Brisbane suburbs compared for a home loan
Griffin (QLD 4503) is approximately 26 km north of the Brisbane CBD, on the southern bank of the Pine River. Kallangur (QLD 4503) is approximately 27 km north of the Brisbane CBD, along Anzac Avenue between the North Coast railway line and the Bruce Highway. At the 2021 Census, Griffin had 12,295 residents with a median age of 29, and Kallangur had 21,761 residents with a median age of 35.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 1% of occupied dwellings in Griffin and 1% in Kallangur, while 54% of Griffin households rented compared with 44% in Kallangur. 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 4503 · Pine Rivers
Griffin
Griffin is a Moreton Bay growth corridor suburb where only 5.8 per cent of households owned outright and the population tripled between 2011 and 2021.
City of Moreton Bay. Approximately 26 km north of the Brisbane CBD, on the southern bank of the Pine River.
Read the full Griffin guideQLD 4503 · Pine Rivers
Kallangur
Kallangur is a large Moreton Bay suburb where median household income of $1,456 sat well below the national figure of $1,746 in 2021.
City of Moreton Bay. Approximately 27 km north of the Brisbane CBD, along Anzac Avenue between the North Coast railway line and the Bruce Highway.
Read the full Kallangur guide
What buying in Griffin and Kallangur 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 Griffin and Kallangur.
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 Griffin to see the repayment, transfer duty and upfront cash.
Enter a price for Kallangur 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.
Griffin and Kallangur: 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 | Griffin | Kallangur |
|---|---|---|
| People and households | ||
| Residents | 12,295 | 21,761 |
| Median ageAustralia 38 | 29 | 35 |
| Average household sizeAustralia 2.5 | 2.9 | 2.5 |
| Median household income, weeklyAustralia $1,746 | $2,013 | $1,456 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $385 | $350 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,941 | $1,545 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 54% | 44% |
| Owned with a mortgageAustralia 35% | 40% | 35% |
| Owned outrightAustralia 31% | 6% | 21% |
| Types of home | ||
| Separate housesAustralia 72% | 72% | 74% |
| Townhouses, terraces and semi-detachedAustralia 13% | 27% | 22% |
| Flats and apartmentsAustralia 14% | 1% | 1% |
| Homes with two bedrooms or fewer | 5% | 13% |
| Homes with four bedrooms or more | 60% | 29% |
| Dwellings unoccupied on Census night | 4% | 5% |
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 Griffin and Kallangur
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.
Griffin
- First home buyers
- Upgraders
- Investors
- Construction loans draw down in stages against an as-if-complete valuation rather than advancing a single sum.
- Variations agreed with a builder after loan approval are not automatically funded and leave a gap.
- Estate design covenants run with the land and bind later buyers, not only the original purchaser.
- Where many near-identical homes settle together, a valuation can come in below a contract price agreed earlier.
- Pine River flood exposure varies by address and requires a City of Moreton Bay flood check property report.
Kallangur
- First home buyers
- Investors
- Downsizers
- Median household income of $1,456 against the national $1,746 makes assessed serviceability the binding constraint.
- A lender assesses the income of the applicants named on the loan, not the income of the whole household.
- Body corporate levies on the 1,793 townhouses count as a committed expense in that assessment.
- Single-development exposure limits should be confirmed for a specific townhouse scheme before an offer.
- Flood exposure varies by address and requires a City of Moreton Bay flood check property report.
Housing stock in Griffin and Kallangur compared
Griffin
- New estate houses
- Separate houses numbered 3,002 at the 2021 Census, 72.2 per cent of occupied homes, mostly recently built.
- Townhouses in community titles schemes
- Semi-detached and townhouse dwellings numbered 1,109, or 26.7 per cent, more than double the national 12.6 per cent.
- Four bedroom family homes
- At the 2021 Census, 2,304 of 4,156 occupied dwellings had four bedrooms and 1,427 had three.
Kallangur
- Three-bedroom detached houses
- At the 2021 Census, 4,528 of 8,101 occupied private dwellings had three bedrooms.
- Townhouses in community titles schemes
- Semi-detached and townhouse dwellings numbered 1,793, or 22.1 per cent of occupied homes.
- A small unit stock
- Flats and apartments numbered only 121, or 1.5 per cent, against 14.2 per cent nationally.
Official sale price and rent figures for Griffin and Kallangur
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.
Griffin
No government agency publishes a free median sale price or rent series for Griffin, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Kallangur
No government agency publishes a free median sale price or rent series for Kallangur, 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 Griffin and Kallangur
Griffin
Transport
- Murrumba Downs station (train)
- Dakabin station (train)
- Bruce Highway (road)
- Dohles Rocks Road (road)
Schools and campuses
- Griffin State School (primary, government)
Amenities
- Osprey House Environmental Centre
- Dohles Rocks Road boat ramp
- Griffin State School
- Pine River corridor
Kallangur
Transport
- Kallangur station (train)
- Petrie station (train)
- Anzac Avenue bus services (bus)
- Anzac Avenue (road)
- Bruce Highway (road)
Schools and campuses
- Kallangur State School (primary, government)
- Dakabin State School (primary, government)
- Pinnacle Academic College (primary, independent)
Amenities
- Kallangur Fair
- ANZAC Memorial Gardens
- Kallangur State School
- UniSC Moreton Bay campus at Petrie
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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