Eglinton, WA 6034Home loan and property guide

Eglinton location and character

Eglinton is a locality approximately 44 kilometres north of Perth's central business district, on the Indian Ocean, within the City of Wanneroo. It is bounded to the north by Yanchep, to the east by Carabooda and to the south by Alkimos.

For the most part the suburb is covered in native banksia woodland, scrubland and heath typical of the Swan Coastal Plain. In recent years there has been growth in residential estates, with a town centre planned, so the locality is in transition from bushland to suburb rather than fully built out.

Eglinton is part of the Alkimos-Eglinton region being developed by the state government as a future satellite city, and is being built out through the Amberton estate from Stockland and the Allara Estate from Satterley. The name was approved as a suburb name in 1974, long before residential development began.

Transport and amenity in Eglinton

Eglinton station is on the Yanchep line, about 46.7 kilometres from Perth by rail, between Alkimos and Yanchep. The northernmost extension of the line, which brought the station into service, opened on 14 July 2024, so rail access here is very recent.

The Yanchep line is 54.5 kilometres long with sixteen stations, commences in a tunnel under the Perth CBD as a through service with the Mandurah line, and operates at up to 130 kilometres per hour. It leaves the Mitchell Freeway median at Butler for the northernmost four stations, of which Eglinton is one.

By road, Marmion Avenue runs north to south along the coastal corridor and the Mitchell Freeway provides the route south. Because the suburb is still developing, local shopping and services are limited compared with the established corridor, and a town centre is planned. This guide does not describe school catchments.

Housing stock in Eglinton

Eglinton's housing is new and almost entirely detached. The stock consists of modern brick and tile family homes on estate lots within the Amberton and Allara estates, built by volume builders, most with three or four bedrooms and a garage.

At the 2021 Census, 1,225 of the 1,237 occupied private dwellings were separate houses and just 9 were semi-detached or townhouse dwellings, with no flats or apartments recorded at all, so houses made up 99.0 per cent of occupied homes against 72.3 per cent nationally, among the highest shares in these guides. Four-bedroom homes numbered 691 and three-bedroom homes 496, with only six two-bedroom dwellings.

Because the stock is very recent, structural defects are uncommon, but inspections still consider cracking associated with site works, retaining walls, drainage and the approval status of anything added after handover. In a coastal position, corrosion of metal fixings is also a maintenance consideration.

Who lives and buys in Eglinton

The 2021 Census counted 3,705 residents in Eglinton, with a median age of 29 against 38 for Australia, the youngest of any suburb in these guides, and an average household size of 2.9 people compared with 2.5 nationally. Adults aged 25 to 34 were by far the largest group at 867, followed by 584 children aged 5 to 14 and 575 adults aged 35 to 44.

Mortgaged ownership dominates to a degree seen nowhere else in these guides. The Census recorded 871 dwellings owned with a mortgage, 264 rented and only 90 owned outright, so 70.8 per cent of households with a stated tenure had a mortgage, 21.5 per cent rented and just 7.3 per cent owned outright, against 35.0 per cent with a mortgage nationally.

Median weekly household income was $2,024 against $1,746, median monthly mortgage repayments were $1,950 against $1,863 and median weekly rent was $350 against $375. For a buyer, this is a very young market of first home buyers and young families, where nearly everyone is early in a loan and budgets are exceptionally sensitive to changes in repayments.

Planning, bushland and bushfire mapping in Eglinton

Development is controlled by the City of Wanneroo's local planning scheme together with the Residential Design Codes. Because Eglinton forms part of the Alkimos-Eglinton region being developed by the state government as a future satellite city, structure planning at a regional scale governs how the locality will grow, and a planned town centre has yet to be built.

For a buyer, that means the surroundings will change. Buyers should check what is approved or proposed nearby, since an adjoining release still under construction affects amenity, and the eventual town centre will alter traffic and access patterns. Developer encumbrances controlling design may also remain registered on titles.

Bushfire deserves particular attention here. The suburb is for the most part covered in native banksia woodland, scrubland and heath, and the Map of Bush Fire Prone Areas, the latest version of which took effect on 13 December 2025, designates land across the state. The Department of Fire and Emergency Services states that additional planning and building requirements may apply within designated areas, which for a new house can mean a Bushfire Attack Level assessment.

Buying in Eglinton under Western Australian contract law

Established houses in Western Australia are normally sold by offer and acceptance, and Consumer Protection WA explains that the signed form becomes a binding contract once the seller accepts, with no mandatory cooling-off period. Conditions for finance approval and for inspections therefore need to be written into the offer.

In a developing suburb, many purchases are of vacant land or a house and land package. Consumer Protection WA notes that these are often off-the-plan contracts prepared by the developer, that settlement can occur only after Landgate has issued the certificate of title, and that buyers should check deadlines, sunset clauses, any term allowing the price or specifications to change, soil type, the height of the water table and title restrictions on house style and building timeframes.

Home loan considerations for Eglinton property

Modern detached houses on standard lots are the most widely accepted security. In a suburb still being built out, valuations carry a particular risk: established resales compete directly with new homes the developer is still releasing, and a valuer can test an agreed price against those, so a shortfall is possible.

With outright ownership at 7.3 per cent, virtually every purchaser is borrowing, so lenders mortgage insurance or a place in the Australian Government 5% Deposit Scheme is commonly part of the funding. A house and land purchase is funded by a construction loan drawn in stages against an as-if-complete valuation. Where bushfire designation applies, the assessed Bushfire Attack Level can add to construction cost and should be reflected in the building contract before funds are drawn.

Lending considerations for Eglinton

• Outright ownership of only 7.3 per cent is the lowest in these guides, so budgets are exceptionally repayment sensitive.
• Established resales compete directly with new homes the developer is still releasing, which affects valuation.
• The suburb is largely native banksia woodland, so bushfire designation and BAL construction costs are central.
• Construction loans are drawn in stages and valued on an as-if-complete basis.
• A planned town centre has yet to be built, so surroundings and traffic patterns will change.

Lender policy differs between institutions and changes over time. The guide to Australian lenders explains how credit policy varies, and the home loan guide sets out the main loan structures.