North Ryde vs RydeTwo Sydney suburbs compared for a home loan
North Ryde (NSW 2113) is approximately 13 km north-west of the Sydney CBD, on the Metro line. Ryde (NSW 2112) is approximately 12 km north-west of the Sydney CBD. At the 2021 Census, North Ryde had 14,043 residents with a median age of 37, and Ryde had 31,907 residents with a median age of 36.
The most common occupied dwelling was separate houses in North Ryde and flats and apartments in Ryde. Flats and apartments made up 30% of occupied dwellings in North Ryde and 56% in Ryde, while 37% of North Ryde households rented compared with 46% in Ryde. 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.
NSW 2113 · Northern Sydney
North Ryde
North Ryde is a City of Ryde suburb with its own metro station, where detached houses still hold 58.0 per cent of homes alongside substantial apartment stock.
City of Ryde. Approximately 13 km north-west of the Sydney CBD, on the Metro line.
Read the full North Ryde guideNSW 2112 · Northern Sydney
Ryde
Ryde is the largest suburb in these guides at 31,907 residents, where apartments now make up 55.7 per cent of homes and 45.6 per cent of households rent.
City of Ryde. Approximately 12 km north-west of the Sydney CBD.
Read the full Ryde guide
What buying in North Ryde and Ryde 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 North Ryde and Ryde.
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 North Ryde to see the repayment, transfer duty and upfront cash.
Enter a price for Ryde 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.
North Ryde and Ryde: 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 | North Ryde | Ryde |
|---|---|---|
| People and households | ||
| Residents | 14,043 | 31,907 |
| Median ageAustralia 38 | 37 | 36 |
| Average household sizeAustralia 2.5 | 2.6 | 2.4 |
| Median household income, weeklyAustralia $1,746 | $2,383 | $2,024 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $520 | $465 |
| Median mortgage repayment, monthlyAustralia $1,863 | $2,700 | $2,500 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 37% | 46% |
| Owned with a mortgageAustralia 35% | 33% | 30% |
| Owned outrightAustralia 31% | 29% | 22% |
| Types of home | ||
| Separate housesAustralia 72% | 58% | 35% |
| Townhouses, terraces and semi-detachedAustralia 13% | 12% | 9% |
| Flats and apartmentsAustralia 14% | 30% | 56% |
| Homes with two bedrooms or fewer | 35% | 56% |
| Homes with four bedrooms or more | 34% | 20% |
| Dwellings unoccupied on Census night | 6% | 9% |
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 North Ryde and Ryde
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.
North Ryde
- Upgraders
- Investors
- First home buyers
- Downsizers
- Apartments and houses attract different lending policies in the same suburb.
- One-bedroom dwellings can fall below lenders' minimum internal floor areas.
- Student accommodation near the university is specialised security many lenders refuse.
- Land on the Lane Cove National Park interface may be recorded as bush fire prone.
- A section 66W certificate waives cooling-off and exposes a buyer to the full 10 per cent deposit.
Ryde
- Investors
- First home buyers
- Upgraders
- Downsizers
- Apartments and houses attract different maximum loan-to-value ratios in the same suburb.
- One-bedroom dwellings and studios can fall below lenders' minimum internal floor areas.
- Comparable evidence should come from the same part of Ryde and the same dwelling type.
- Victoria Road carries heavy traffic and affects amenity for nearby properties.
- A section 66W certificate waives cooling-off and exposes a buyer to the full 10 per cent deposit.
Housing stock in North Ryde and Ryde compared
North Ryde
- Detached family houses
- Separate houses numbered 2,906 at the 2021 Census, 58.0 per cent of occupied homes.
- Apartments near the metro
- The 1,514 flats counted at the 2021 Census, 30.2 per cent of occupied homes.
- A broad bedroom range
- At the 2021 Census, 783 dwellings had one bedroom and 596 had five or more.
Ryde
- Apartments
- The 6,941 flats counted at the 2021 Census, 55.7 per cent of occupied homes.
- Established detached houses
- Separate houses numbered 4,409 at the 2021 Census, 35.4 per cent of occupied homes.
- Two bedroom dwellings
- At 4,710 dwellings, the most common size recorded at the 2021 Census.
Official sale price and rent figures for North Ryde and Ryde
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.
North Ryde
No government agency publishes a free median sale price or rent series for North Ryde, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Ryde
No government agency publishes a free median sale price or rent series for Ryde, 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 North Ryde and Ryde
North Ryde
Transport
- North Ryde Metro (metro)
- Macquarie Park Metro (metro)
- Sydney buses (bus)
- Epping Road (road)
Amenities
- Lane Cove National Park
- Macquarie Centre
- North Ryde local shops
Ryde
Transport
- West Ryde Station (train)
- Meadowbank Station (train)
- North Ryde Metro (metro)
- Victoria Road (road)
Amenities
- Top Ryde City
- Parramatta River foreshore
- Ryde Aquatic Leisure Centre
School listings show name, level and sector only. Enrolment areas change, so confirm eligibility for a specific address with the school or the New South Wales education department.
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Request a free assessment: North Ryde or Ryde
An accredited mortgage broker can check your borrowing power against prices in North Ryde and Ryde, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.