Higgins vs HoltTwo Canberra suburbs compared for a home loan
Higgins (ACT 2615) is approximately 12 km north-west of the Canberra city centre, in western Belconnen. Holt (ACT 2615) is approximately 13 km north-west of the Canberra city centre, near the Kippax centre. At the 2021 Census, Higgins had 3,321 residents with a median age of 38, and Holt had 5,628 residents with a median age of 36.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 2% of occupied dwellings in Higgins and 7% in Holt, while 23% of Higgins households rented compared with 27% in Holt. 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.
ACT 2615 · Belconnen
Higgins
Higgins is a western Belconnen suburb gazetted in 1968, built 96.2 per cent of detached houses with almost no attached stock at all.
Australian Capital Territory. Approximately 12 km north-west of the Canberra city centre, in western Belconnen.
Read the full Higgins guideACT 2615 · Belconnen
Holt
Holt is a Belconnen suburb gazetted in 1970 and named after Harold Holt, with a large townhouse share and evenly divided ownership and renting.
Australian Capital Territory. Approximately 13 km north-west of the Canberra city centre, near the Kippax centre.
Read the full Holt guide
What buying in Higgins and Holt 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 Higgins and Holt.
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 Higgins to see the repayment, transfer duty and upfront cash.
Enter a price for Holt 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.
Higgins and Holt: 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 | Higgins | Holt |
|---|---|---|
| People and households | ||
| Residents | 3,321 | 5,628 |
| Median ageAustralia 38 | 38 | 36 |
| Average household sizeAustralia 2.5 | 2.6 | 2.4 |
| Median household income, weeklyAustralia $1,746 | $2,248 | $1,983 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $400 | $396 |
| Median mortgage repayment, monthlyAustralia $1,863 | $2,000 | $1,950 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 23% | 27% |
| Owned with a mortgageAustralia 35% | 45% | 43% |
| Owned outrightAustralia 31% | 30% | 27% |
| Types of home | ||
| Separate housesAustralia 72% | 96% | 59% |
| Townhouses, terraces and semi-detachedAustralia 13% | 2% | 34% |
| Flats and apartmentsAustralia 14% | 2% | 7% |
| Homes with two bedrooms or fewer | 12% | 23% |
| Homes with four bedrooms or more | 36% | 24% |
| Dwellings unoccupied on Census night | 5% | 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 Higgins and Holt
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.
Higgins
- First home buyers
- Upgraders
- Investors
- The 1968 gazettal falls at the start of the loose-fill asbestos period.
- The uniform detached stock makes house valuations comparatively predictable.
- The few attached dwellings have almost no local comparable evidence.
- Density potential should not be assumed given how little redevelopment has occurred.
- Median monthly mortgage repayments of $2,000 sit above the national figure.
Holt
- First home buyers
- Investors
- Upgraders
- The 1970 gazettal falls at the start of the loose-fill asbestos installation period.
- Complexes built around 1970 warrant close review of sinking fund adequacy.
- A special levy for major works is a real possibility at this stage of a complex's life.
- Single-development exposure limits apply to any particular townhouse complex.
- Median weekly household income of $1,983 sits below most of Belconnen.
Housing stock in Higgins and Holt compared
Higgins
- Detached houses from the late 1960s
- Separate houses numbered 1,189 at the 2021 Census, 96.2 per cent of occupied homes.
- Three and four bedroom homes
- At the 2021 Census, 630 dwellings had three bedrooms and 366 had four.
- Negligible attached stock
- Only 30 townhouse dwellings and 23 flats were counted at the 2021 Census.
Holt
- Detached houses from around 1970
- Separate houses numbered 1,354 at the 2021 Census, 59.2 per cent of occupied homes.
- Townhouses
- At 771 dwellings, or 33.7 per cent of occupied homes, well above the national 12.6 per cent.
- Three bedroom homes
- At 1,197 dwellings, the dominant size recorded at the 2021 Census, against 484 four-bedroom.
Official sale price and rent figures for Higgins and Holt
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.
Higgins
No government agency publishes a free median sale price or rent series for Higgins, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Holt
No government agency publishes a free median sale price or rent series for Holt, 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 Higgins and Holt
Higgins
Transport
- Transport Canberra buses (bus)
- Southern Cross Drive (road)
- Ginninderra Drive (road)
Amenities
- Kippax group centre
- Belconnen Town Centre
- Higgins local shops
Holt
Transport
- Transport Canberra buses (bus)
- Ginninderra Drive (road)
- Southern Cross Drive (road)
Amenities
- Kippax group centre
- Belconnen Town Centre
- Ginninderra Creek corridor
School listings show name, level and sector only. Enrolment areas change, so confirm eligibility for a specific address with the school or the ACT education department.
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Request a free assessment: Higgins or Holt
An accredited mortgage broker can check your borrowing power against prices in Higgins and Holt, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.