NSW & ACT Properties
Difficult to finance properties in NSW & the ACT
This page is a list of known properties in NSW & the ACT that may not be acceptable to all lenders as security for a mortgage. You may still be able to apply and get approved for a home loan or investment loan, however you will need to do your research and apply with the right bank for that property.
How can you finance your property?
Our mortgage brokers are specially trained in financing properties that are a little outside of the box. We can quickly work out which banks can accept that property as security and work out how much you can borrow. Please enquire online or call us on 1300 889 743 to find out how we can help you.
How to find out the bank policy your property
Simply press Ctrl + F to open the “Find on this page” feature of your web browser. Then type in the property name or suburb name to quickly find your property. The properties are grouped by suburb which are in alphabetical order.
Please read the below mortgage guidelines for your property, however we recommend that you call one of our mortgage brokers to discuss your situation and obtain advice specific for you.
NSW & ACT properties list
These properties are known to be unacceptable security for a home loan from some lenders. Please call us on 1300 889 743 to find out how to finance these properties.
Alexandria
Name: 222
Address: 222 Botany Road (may also show as 222 Wyndham St) & 1 Retreat Street
Reason lenders have concerns: Residential development of 128 Apartments (High Density)
Refer to our inner city apartments page for more information.
Name: The Hudson
Address: 252 Botany Road
Reason lenders have concerns: Development comprising 4 blocks: The Astoria, The Carnegie (114 apartments), The Met (42 apartments) & The Lincoln. This is a high density block and contains retail outlets combined with units.
Refer to our inner city apartments page for more information.
Name: Linc
Address: 2-6 Mandible Road
Reason lenders have concerns: Residential development of 3towers: Linc Central, Linc North & Linc East. Live/work units are acceptable as residential security. Retail/ commercial areas are not acceptable.
Alexandria / Erskineville
Name: Sydney Park Village
Address: 177-219 Mitchell Road
Reason lenders have concerns: Residential development comprising 3 apartment blocks: Sydney Park Village, Bishop’s Green & Clifton Square. Actual location is Erskineville.
Auburn
Name: Everloch Olympic View Apartments
Address: 2 Macquarie Road
Reason lenders have concerns: Residential development of 198 units (High Density)
Refer to our inner city apartments page for more information.
Name: Auburn Central
Address: 57-72 Queen St
Reason lenders have concerns: Residential apartments acceptable only, may be evidence of retail / commercial premises as development zoned. 3a Business – allows residential use.
Arncliffe
Name: Carena
Address: Cnr Bonar & Guess Sts
Reason lenders have concerns: Residential development of 147 apartments built by Meriton (High Density).
Refer to our inner city apartments page for more information.
Artarmon (Lane Cove North)
Name: Shore Apartments
Address: 450 Pacific Hwy
Reason lenders have concerns: Residential development of 186 units (High Density).
Refer to our inner city apartments page for more information.
Balgowlah
Name: The Village
Address: 1-9 Sylvan Avenue
Reason lenders have concerns: Staged development by Stockland of 246 units over buildings which include Brimbecomb, Cove, Dobroyd, Harthill & Wyndham. (High Density)
Refer to our inner city apartments page for more information.
Balmain
Name: Balmain Shores
Address: Cnr Victoria Road & Terry St
Bankstown
Address: 7-9 Cross St
Reason lenders have concerns: Residential unit complex in Bankstown CBD. Not accepted by some mortgage insurers or major banks
Name: Euro Terraces
Address: 2-4 West Terrace
Reason lenders have concerns: Residential development of 96 units (High Density)
Refer to our inner city apartments page for more information.
Batehaven/Bateman’s Bay
Name: Corrigan’s Cove
Address: 202-204 Beach Road
Reason lenders have concerns: Units run as holiday accommodation. Permanent occupancy is not permitted. Not accepted by many lenders.
Belconnen (ACT)
Name: Lakeside
Address: 21 Beissel St
Reason lenders have concerns: Residential development of 240 units. (High Density)
Refer to our inner city apartments page for more information.
Name: Oracle
Address: 68 College St
Reason lenders have concerns: Residential development of 157 units. (High Density)
Refer to our inner city apartments page for more information.
Name: “The Gardens” Hakea
Address: Coulter Drive Jayntonn Smith Drive
Reason lenders have concerns: Residential development
Birkenhead Point/Drummoyne
Name: Birkenhead Quays Stage II
Address: Roseby Street
Reason lenders have concerns: Unusual residential development.
Blacktown
Name: The Way
Address: 26-34 Clifton St
Reason lenders have concerns: Residential development of 60 units. (High Density)
Refer to our inner city apartments page for more information.
Bondi Junction
Name: Genoa
Address: Cnr Bronte Rd and Ebley St
Reason lenders have concerns: Unusual residential development which contrains commercial premises.
Braddon (ACT)
Name: James Court Apartments
Address: 74 Northbourne Ave
Reason lenders have concerns: Some lenders do not have a kitchen or bathroom of their own.
Breakfast Point
Name: Burgundy Hill
Address: 17 Orchards Road
Reason lenders have concerns: Residential development of 70 units. (High Density)
Refer to our inner city apartments page for more information.
Name: Observatory Hill
Address: 15-17 Peninsula Drive
Reason lenders have concerns: Residential development of 83 units. (High Density)
Refer to our inner city apartments page for more information.
Name: Hunters Wharf
Address: 53 Peninsula Drive
Any Full valuations should be checked for residential zoning. If not zoned residential max LVR 80% may be put in place by some banks.
Bruce
Name: Proximity
Address: 21 Battye St
Reason lenders have concerns: Residential development of 159 units. (High Density)
Refer to our inner city apartments page for more information.
Name: Vantage
Address: 1 Watkin St
Reason lenders have concerns: Residential development of 120 units. (High Density)
Refer to our inner city apartments page for more information.
Burwood
Name: Clarence Court
Address: 258-264 Burwood Rd
Reason lenders have concerns: Mixed commercial/residential development. Commercial properties are not acceptable for residential loans.
Cabarita
Name: Cape Cabarita
Reason lenders have concerns: Unusual residential development, larger, some properties not sold at market value.
Name: The Beach Cabarita
Address: Cnr Coast Rd and Pondenas St or Pandanus Pde
Reason lenders have concerns: Newly constructed 57 apartments. Possible high density.
Canberra
Name: Forum Apartments
Address: Allara St
Reason lenders have concerns: 3 storey residential development of 117 apartments. (High Density)
Refer to our inner city apartments page for more information.
Name: Glebe Park Residences
Address: 15 Coranderrk St
Reason lenders have concerns: Residential development of 188 units. (High Density)
Refer to our inner city apartments page for more information.
Name: Bentley Suites
Address: Forest Ave
Reason lenders have concerns: Majority of units are serviced apartments subject to 2 year lease with 1 year option. No termination clause – however major refurbishment has meant these are switching to residential apartments. In most cases lenders will require a full assessment.
Refer to our serviced apartments page for more information.
Name: Capital Tower
Address: 2 Marcus Clarke St
Reason lenders have concerns: Residential development. Owner may terminate serviced apartment arrangement with 6 months notice. (High Density)
Refer to our serviced apartments page for more information.
Name: The Globe
Address: 16 Moore St
Reason lenders have concerns: Residential development of 75 units. (High Density)
Refer to our inner city apartments page for more information.
Cammeray
Name: Cammeray Square
Address: 450-476 Miller St & 11 Amherst St
Residential development of 39 units.
Refer to our inner city apartments page for more information.
Campbelltown
Name: Pinnacle – Park Central
Address: 26 Parkside Crescent
Reason lenders have concerns: Unusual residential development 17 units.
Name: Parkstone Place
Address: 15-19 Warby St
Reason lenders have concerns: Residential development of 73 units.
Refer to our inner city apartments page for more information.
Camperdown
Address: 1-3 Larkin St
Reason lenders have concerns: Residential development of approx 100 units. (High Density) Commercial premises are unacceptable security for a home loan.
Refer to our inner city apartments page for more information.
Name: The Grace
Address: Layton & Mallet Streets
Reason lenders have concerns: Warehouse redevelopment of 66 apartments. (High Density) Commercial spaces (5) are not acceptable.
Refer to our inner city apartments and warehouse conversions page for more information.
Address: 112-118 Parramatta Road
Reason lenders have concerns: Residential development of 38 units. (High Density) Some units are less than 50m2
Refer to our inner city apartments & small units page for more information.
Name: Portia
Address: 124-126 Parramatta Road
Reason lenders have concerns: Residential development of 33 units. (High Density)
Refer to our inner city apartments page for more information.
Name: Trio South/Trio Central/Trio North
Address: 1,3&5 Sterling Circuit
Reason lenders have concerns: Residential developments of 179 (South)/125 (Central)/100 (North) units (High Density)
Refer to our inner city apartments page for more information.
Campsie
Address: 96-98 Beamish St
Reason lenders have concerns: Residential development of 64 units. (High Density)
Refer to our inner city apartments page for more information.
Caringbah
Address: 296 Kingsway
Reason lenders have concerns: Residential development of 48 units. (High Density)
Refer to our inner city apartments page for more information.
Carlingford
Name: Phoenix
Address: 1-3 Boundary Road
Reason lenders have concerns: Residential development of 51 units. (High Density)
Refer to our inner city apartments page for more information.
Castle Hill
Name: Pichola Place
Address: 16-20 Mercer Street
Reason lenders have concerns: Residential development of 83 units. (High Density)
Refer to our inner city apartments page for more information.
Casuarina
Name: Waves on Kamala
Address: 2-8 Beech Lane also known as 171 Kamala Cres
Reason lenders have concerns: Usual residential development of 15 units.
Name: Pandanus Pocket Beach House
Address: Casuarina Way, Casuarina Beach
Reason lenders have concerns: 32 free-standing and attached beach houses. Residential and holiday development with no lease restrictions.
Name: Cotton Beach
Address: Casuarina Way
Reason lenders have concerns: 130 residential/resort units on NSW North Coast. Permanent Occupancy allowed.
Name: Santai
Address: Dianella Drive
Reason lenders have concerns: 110 residential/resort units on NSW North Coast. Permanent Occupancy allowed. This development is no longer acceptable as residential security by many lenders as it is part of a resort. Refer to our hotel / resort units page for more information.
Address: 2-10 Kamala Cres Drift Apartments
Reason lenders have concerns: Newly constructed residential apartments on NSW North Coast.
Charlestown
Name: The Landmark
Address: 215 Pacific Hwy
Reason lenders have concerns: Residential development of 59 units. (High Density)
Refer to our inner city apartments page for more information.
Chatswood
Name: The Regency
Address: 18-26 Anderson St may also show as 2A Help St
Reason lenders have concerns: Unusual residential development.
Name: The Chelsea
Address: 8 Brown St
Reason lenders have concerns: Levels 10-21 are residential apartments. Levels 1-9 are serviced apartments with 20 year leaseback and operated as hotel suites and are not acceptable security with many lenders.
Name: Epica
Address: 9 Railway St
Reason lenders have concerns: 32 storey high rise residential development (High Density)
Refer to our inner city apartments page for more information.
Name: Chatsworth Plaza
Address: 37 Victor St
Reason lenders have concerns: Mixed residential/ serviced apartment development with lease to Mirvac Hotels. Serviced apartments are often acceptable providing lease term is max 2 years and owner can terminate with 6 months notice.
Chippendale
Name: Blackfriars Green
13-21 Abercrombie St
Reason lenders have concerns: Warehouse redevelopment into 23 residential apartments.
Refer to our warehouse conversions page for more information.
Name: TriBeCa
Address: 82-84 Abercrombie St
Reason lenders have concerns: Warehouse redevelopment.
Refer to our warehouse conversions page for more information.
Name: St Paul’s Square
Address: 232-236 Cleveland St
Reason lenders have concerns: 80 unit apartment redevelopment.
Address: 82-96 Myrtle St
Reason lenders have concerns: Warehouse redevelopment into 35 residential apartments.
Refer to our warehouse conversions page for more information.
Name: Hightown
Address: 12-26 Regent St
Reason lenders have concerns: Unusual residential development.
Address: 32-34 Regent St
Reason lenders have concerns: Unusual residential apartments
Name: The Savoy on Shepherd
Address: 52 Shepherd St
Reason lenders have concerns: Residential development in a converted warehouse.
Refer to our warehouse conversions page for more information.
Chiswick
Name: Riviera Apartments
Address: 4 Bechert Road
Reason lenders have concerns: Residential development of 184 units. (High Density)
Refer to our high density apartments page for more information.
Name: Nautica
Address: Janoa Place (may also show as Blackwall Point Road)
Reason lenders have concerns: Meriton residential development.
Coffs Harbour
Name: Annuka Resort.
Address: Firman Rd
Reason lenders have concerns: Residential / Holiday resort. Hotel units are unacceptable to most banks.
Name: Aqualuna
Address: 840 Pacific Highway
Reason lenders have concerns: Residential / resort apartments. Possible 2 year lease agreement with Mirvac, which can be terminated at 90 days notice.
Darling Harbour (see Sydney)
Darlinghurst
Name: Top of the Town
Address: 106-110 Darlinghurst Road
Reason lenders have concerns: Residential development of 85 units, plus retail/commercial area. Retail/commercial are not acceptable as residential security. Remaining units may be acceptable to some lenders.
Dee Why
Name: Dee Why Grande
Address: 1 Sturdee Parade
Reason lenders have concerns: Residential development of 161 units. (High Density)
Refer to our inner city apartments page for more information.
Drummoyne
Name: Odeon Apartments
Address: 2 Marlborough St
Reason lenders have concerns: Residential and retail/commercial development of 37 units. Retail/commercial are not acceptable for residential loans, however the rest may be acceptable to some lenders.
Dulwich Hill
Name: Waratah Mills
Address: Terry Road
Reason lenders have concerns: Former silos converted into residential apartments.
East Balmain
Name: The Peninsula
Address: 22 Colgate Avenue
Reason lenders have concerns: Unusual residential development.
Elizabeth Bay
Name: Onslow Gardens
Address: 6A Greenknowe Ave
Reason lenders have concerns: Company Title residential unit development near city CBD.
Refer to our company titles page for more information.
Name: Ocean Apartments
Address: 126/108 Elizabeth Bay Road
Reason lenders have concerns: Company Title residential unit development near city CBD.
Refer to our company titles page for more information.
Erskinville
Name: Verve
Address: 2 Coulson Street
Reason lenders have concerns: Residential development of 118 units by AV Jennings (High Density).
Refer to our inner city apartments page for more information.
Fairy Meadow
Name: Northgate Apartments
Address: 214 Princes Highway
Reason lenders have concerns: 156 apartments aimed at the student accommodation market for Wollongong Uni. No restrictions on purchasers so some lenders may consider these to be standard units.
Refer to our student apartments page for more information.
Five Dock
Name: Axis
Address: 57-63 Fairlight St
Reason lenders have concerns: Unusual residential apartments
Forestville
Name: Russet Place
Address: Cnr Darley St and Warringah Rd
Reason lenders have concerns: May have a 2 year rental guarantee applicable in which case lending restrictions will apply.
Forster
Name: Shore Apartments
Address: 39-41 Head St
Reason lenders have concerns: Former serviced apartment complex of 25 units. Confirmation to be held that units allow permanent occupancy.
Franklin
Name: Edge Apartments
Address: Flemington Road
Reason lenders have concerns: Residential development of 104 apartments. (High Density)
Refer to our inner city apartments page for more information.
Glebe
Name: Boathouse Terraces
Address: 109 Ferry Rd
Reason lenders have concerns: Ferry Apartments
Address: 45 Forsyth St
Reason lenders have concerns: Newly constructed unusual residential development
Gordon
Name: La Maison
Address: 8-18 McIntyre St
Reason lenders have concerns: Residential development of 79 units. (High Density)
Refer to our inner city apartments page for more information.
Name: Elysium
Address: 4-14 Merriwa St
Reason lenders have concerns: Residential development of 149 units by Meriton. (High Density)
Refer to our inner city apartments page for more information.
Gosford
Name: The Sanctuary at Rumbalara
Address: 80 John Whiteway Drive
Reason lenders have concerns: 188 unit development over 4 towers on NSW Central Coast. (High Density)
Refer to our inner city apartments page for more information.
Greenway
Name: Greenway Waters Suites
Address: 2 Eileen Good St
Reason lenders have concerns: Residential apartment development of 40 units. (High Density)
Refer to our inner city apartments page for more information.
Gungahlin
Name: Pulse
Address: 340 Gundaroo Drive
Reason lenders have concerns: Unusual residential development
Halliday Point
Name: Tallwoods Village
Address: Blackhead Road
Reason lenders have concerns: Residential golf course estate. There is an optional 5 year leaseback arrangement.
Haymarket (see Sydney)
Homebush
Name: Citipoint on Powell
Address: 45 Powell St
Reason lenders have concerns: Unusual residential development.
Address: 56-58 Powell St
Reason lenders have concerns: Residential development of 40 units. (High Density)
Refer to our inner city apartments page for more information.
Name: Camelia Tower/Boronia Tower
Address: 12-16 Station
Reason lenders have concerns: Residential development of 335 units. (High Density)
Refer to our inner city apartments page for more information.
Homebush Bay
Name: Palermo
Address: 5 Baywater Drive also known as 23 Savona Drive & 6 Nuvolari Place & 33 Hill Road
Reason lenders have concerns: Residential development of 254 units. (High Density)
Refer to our inner city apartments page for more information.
Name: Bellagio
Address: 46 Baywater Drive
Reason lenders have concerns: Residential development of 141 units. (High Density)
Refer to our inner city apartments page for more information.
Name: Lipari
Address: 2 The Crescent
Reason lenders have concerns: Residential development of 173 units (High Density).
Refer to our inner city apartments page for more information.
Name: Mariners Cove
Address: Mariners Cove
Reason lenders have concerns: 220 apartment development. (High Density)
Refer to our inner city apartments page for more information.
Name: Waterfront
Address: Bennelong Road
Reason lenders have concerns: Unusual residential development.
Homebush West
Name: Quay West Apartments
Address: 52-58 Courallie Ave
Reason lenders have concerns: Residential development of 36 units. (High Density)
Refer to our inner city apartments page for more information.
Address: 23-31 Hornsey Road
Reason lenders have concerns: Unusual residential development.
Hornsby
Name: Meriton
Address: 27-31 Leonard St (May be in Waitara instead of Hornsby)
May have an optional 2 year leaseback. Residential development by Meriton.
Name: Avanti
Address: 90 George St
Reason lenders have concerns: 250 new residential unit complex. (High density)
Name: Polaris
Address: 121-133 Pacific Highway
Reason lenders have concerns: Meriton development of 154 units. (High Density)
Refer to our inner city apartments page for more information.
Hurstville
Name: “Aqua” & “Vantage” – East Quarter
Address: 95 Forest Road
Reason lenders have concerns: Staged residential development of 7 buildings. Assessment relates only to Aqua building of 52 apartments and Vantage of 116 apartments. (High Density)
Refer to our inner city apartments page for more information.
Name: Queens Garden
Address: 98-112 Queens Road
Reason lenders have concerns: Residential development of 157 units. (High Density). Note that some lenders have reached their maximum exposure in this block.
Refer to our inner city apartments page for more information.
Jindabyne
Name: Lake Crackenback Resort
Address: Alpine Way
Reason lenders have concerns: Resort development near ski fields (freehold title). Letting agreement can be terminated with 90 days notice.
Kensington
Name: Capella Apartments
Address: 250-264 Anzac Parade also known as 101 Doncaster St & 260 Doncaster Ave
Reason lenders have concerns: Residential development of 176 units. (High Density)
Refer to our inner city apartments page for more information.
Kingscliff
Name: Paradiso on the Beach
Address: Cnr Marine Parade and Pearl St
Reason lenders have concerns: 50 unit residential resort development. (High Density) Permanent occupancy is permitted and letting agreement can be terminated with 90 days notice.
Refer to our inner city apartments page for more information.
Name: Serenity by the Sea
Address: 53-55 Kingscliff St
Reason lenders have concerns: Residential/resort development on Tweed coast
Name: Outrigger at Salt
Reason lenders have concerns: Mixed development of resort apartment development and residential land. For resort apartments, permanent occupancy is permitted and letting agreement can be terminated with 90 days notice. Residential land will need to be assessed as to suitability.
Name: Peppers at Salt
Reason lenders have concerns: Residential resort area on north NSW coast. Permanent Occupancy not allowed. Letting agreement can be terminated with 90 days notice. However permanent occupation is prohibited under local planning and development applications. Unacceptable to most lenders.
Name: Beach House at Salt
Address: Casuarina Way
Reason lenders have concerns: Residential resort area on north NSW coast. Permanent Occupancy allowed. Letting agreement can be terminated with 90 days notice.
Kings Cross
Name: Hampton Court
Address: 9 Bayswater Road
Reasons lenders have concerns: Conversion of former hotel into 126 studio & 1 bed units.
Kingston ACT
Name: The Gateway
Address: 27 Wentworth Ave
Reason lenders have concerns: Unusual residential apartments
Name: Aspire Apartments
Address: Giles St
Reason lenders have concerns: Residential development of 64 units. (High Density)
Refer to our inner city apartments page for more information.
Kogarah
Name: Highpark (may also show as Kogarah Town Square)
Address: Belgrave St
Reason lenders have concerns: 193 residential apartments (High Density).
Lake Macquarie
Name: Rafferty’s Resort
Address: 15 Wild Duck Drive
Reason lenders have concerns: Resort style development which permits permanent occupancy.
Lane Cove
Name: Allura
Address: 1A Centennial Ave
Reason lenders have concerns: Unusual residential development of 13 units.
Leura
Name: The Spires at Leura
Address: 100-124 Leura Mall
Reason lenders have concerns: Development of 68 apartments in the Blue Mountains. May be used as serviced apartments managed by Oakford Aust. Lease agreement can be terminated by owner with 3 months notice. Permanent occupancy is permitted.
Please refer to our serviced apartments page for more information.
Liberty Grove
Name: Trentwood Apartments
Address: 4 Wentworth Drive
Reason lenders have concerns: Residential development of 65 units. (High Density)
Refer to our inner city apartments page for more information.
Lidcombe
Name: Botanica
Address: Botanica Drive
Reason lenders have concerns: Newly constructed residential development (Neighbourhood title / Community title).
Lilyfield
Address: 72 Justin Street or 83 Lilyfield Rd
Reason lenders have concerns: Residential/Commercial townhouses in group of 12; top two floors residential, bottom floor residential or acceptable under zoning for commercial use with separate entrance.
Magenta
Name: Magenta Shores
Address: 805 Turnberry Ave
Reason lenders have concerns: New residential, resort and golf facilities on NSW Central Coast. Possible 2 year leaseback in place. Customer flexibility after this time. Houses and villas acceptable. Motel accommodation unacceptable to most lenders.
Name: Quay West Resort
Reason lenders have concerns: This is an extension of above subject to a 2 year lease with Mirvac. Lease is not compulsory and expires after 2 years. Owner is free to use after this stage. Houses and villas acceptable. Specific Motel accommodation unacceptable to most banks as security for a mortgage.
Maroubra
Name: “Panorama” & “Axis” Pacific Square
Address: Anzac Pde
Reason lenders have concerns: Mix of residential, retail and commercial. Retail and commercial unacceptable. May be possible price rebate if exchanged early.
Name: Maroubra Central
Address: 158 Maroubra Rd also known as 892-906 Anzac Pde
Reason lenders have concerns: Mix of retail, residential and commercial. Retail and commercial unacceptable to most lenders as security for a home loan or investment loan.
Name: Tradewinds@Maroubra
Address: 196-208 Maroubra Rd
Reason lenders have concerns: Residential development of 66 units. (High Density)
Refer to our inner city apartments page for more information.
Address: 125 & 125A Boyce Rd
Reason lenders have concerns: Unusual residential development of 24 units. (High Density)
Maroubra Junction
Name: Botanica – Pacific Square
Address: 140 Maroubra Rd
Reason lenders have concerns: Residential development of 141 units. (High Density)
Nelson Bay
Name: Cote ‘D’ Azur
Address: 61 Donald St
Reason lenders have concerns: Residential resort development of 55 units.
Refer to our resort apartments page for more information.
Name: Aqua Resort
Address: 1-2 Tomaree Avenue
Reason lenders have concerns: Residential resort development of 110 units. Developer was under External Administration. (High Density)
Refer to our inner city apartments page for more information.
Neutral Bay
Name: Lucca
Address: 19-25 Grosvenor St
Reason lenders have concerns: Residential apartment development of 49 units. (High Density)
Refer to our inner city apartments page for more information.
Newcastle
Name: City Extra
Name: 24 Bolton St
Reason lenders have concerns: 89 residential units, 3 commercial units. Commercial units unacceptable to most lenders. This block is likely to be considered high density even though it is not in a capital city location.
Name: Lee Wharf
Address: Honeysuckle Drive
Reason lenders have concerns: Unusual residential apartment development.
Name: The Pinnacle
Address: 735-741 Hunter St
Reason lenders have concerns: Commercial property conversion to residential apartments.
Name: Harbour Pier
Address: 335 Wharf St & 21 Merewether St
Reason lenders have concerns: Residential apartment development of 91 units. (High Density)
Refer to our inner city apartments page for more information.
Newington
Name: EKO by Crown
Address: 6 Latham Terrace
Reason lenders have concerns: Not accepted by some mortgage insurers or major banks.
Newtown
Name: Newtown Square
Address: Carillon Avenue
Reason lenders have concerns: Unusual residential development.
North Sydney
Address: 93 Pacific Highway
Reason lenders have concerns: Unusual residential development, on a major road.
Name: Beau Monde.
Address: 77-81 Berry St
Reason lenders have concerns: Residential / retail / commercial development. Retail / commercial premises unacceptable as security for a home loan.
Pacific Palms
Name: Blueys Beach.
Address: 285 Boomerang Drive
Reason lenders have concerns: Residential / resort development near Forster. Holiday area with extending selling periods.
Parklea
Name: Sunora Townhomes
Address: 11 Glenvale Ave
Reason lenders have concerns: Unusual residential development of 126 townhouses. (High Density)
Refer to our inner city apartments page for more information.
Parramatta
Name: Gallery by Crown
Address: 8 Cowper St
Reason lenders have concerns: Residential development of 126 units. (High Density)
Refer to our inner city apartments page for more information.
Name: Fiori
Address: 13-15 Hassall St
Reason lenders have concerns: Unusual residential development.
Name: Escen on Church
Address: 138-140 Church St
Reason lenders have concerns: Residential development of 97 units. (High Density)
Refer to our inner city apartments page for more information.
Name: Entrada
Address: 20 Victoria Rd
Reason lenders have concerns: Residential development of 164 units. (High Density)
Refer to our inner city apartments page for more information.
Perisher Valley
Name: The Stables
Reason lenders have concerns: Ski lodge on leasehold land. Head lessor is National Parks & Wildlife Service. Skiing area / snow park leasehold properties are unacceptable to most lenders.
Picton
Name: Nangarin Vineyard Estate
Reason lenders have concerns: Residential housing estate surrounded by a vineyard (not related to the estate). Not considered standard residential security by most lenders.
Pokolbin
Name: Cypress Lakes Resort
Address: Cnr McDonalds and Thompsons Roads
Reason lenders have concerns: Residential units for owner occupation or ability to let out. Possibly a resort style property.
Port Macquarie
Name: Ki-Ea Apartments
Address: 7-11 Joffre St
Reason lenders have concerns: Residential resort development.
Port Macquarie
Name: Macquarie Waters
Address: 5 Munster St
Reason lenders have concerns: Resort / residential resort on NSW Central coast. Owner occupation allowed.
Name: Northpoint Apartments
Address: Murray St
Reason lenders have concerns: 55 unit resort style development. (High Density) Permanent occupancy is permitted.
Refer to our inner city apartments page for more information.
Name: South Pacific
Address: Cnr Pacific Drive and Everard St
Reason lenders have concerns: Resort / residential resort on NSW Central coast. Owner occupation allowed.
Name: Flynns Beach Resort
Address: Cnr Pacific Drive & Ocean Street
Reason lenders have concerns: Resort development. Permanent occupancy is permitted. Letting Agreement can be terminated with 90 days notice.
Name: Flynns Beach Resort
Address: 68 Pacific Dr (Stage 2)
Reason lenders have concerns: Resort development. Permanent occupancy is permitted. Letting Agreement can be terminated with 90 days notice.
Name: Harbourside Apartments
Address: Cnr William and Hollingworth St
Reason lenders have concerns: 5 Storey, 27 unit residential development. (High Density) Permanent occupancy allowed. No leaseback arrangements.
Refer to our inner city apartments page for more information.
Name: The Portico
Address: River Park Road
Reason lenders have concerns: Residential resort development
Name: The Observatory
Address: William St
Reason lenders have concerns: Resort development. Permanent occupancy is permitted. Letting Agreement can be terminated with 90 days notice.
Name: Beachcomber Resort
Address: 54 William St
Reason lenders have concerns: Resort development Permanent occupancy is permitted. Letting Agreement can be terminated with 90 days notice.
Potts Point
Name: Zenith, Millennium Tower
Address: 82-94 Darlinghurst Road
Reason lenders have concerns: Residential development of 97 apartments. (High Density) Serviced apartments are acceptable to some lenders providing lease term is max 2 years and owner has the ability to terminate the serviced apartment agreement with 6 months notice.
Refer to our inner city apartments page for more information.
Address: 33 Bayswater Rd
Reason lenders have concerns: Conversion of former hotel into residential apartments. Note most apartments are less than 50 sqm but can be considered by some lenders due to their high demand location. Retail lots are not acceptable as residential mortgage security.
Refer to our hotel conversions page for more information.
Name: The Rex
Address: 50-58 Macleay St
Reason lenders have concerns: Conversion of former hotel into residential apartments. Note most apartments are < 50 sqm but can be considered due to their high demand location location.
Refer to our hotel conversions page for more information.
Name: Springfield Tower
Address: 2 Springfield Ave
Reason lenders have concerns: Residential Apartment development of 153 units. (High Density)
Refer to our inner city apartments page for more information.
Name: Rococo
Address: 238-242 William St
Reason lenders have concerns: Residential development of 26 units. (High Density)
Refer to our inner city apartments page for more information.
Pottsville Beach
Address: 234 Iluka Crt
Reason lenders have concerns: Unusual residential development
Pyrmont
Name: The Darlington
Address: 152-164 Bulwara Rd
Reason lenders have concerns: Unusual residential development, possibly some lenders will apply their high density / CBD units restrictions.
Name: Mirage
Address: 1-29 Bunn St
Reason lenders have concerns: Residential development of 121 units. (High Density) Built in 1997.
Refer to our inner city apartments page for more information.
Name: Darling Island
Address: Darling Island Rd
Reason lenders have concerns: Residential Apartment Complex. Security is Leasehold for 99 years due to government restrictions on buildings in this waterfront location.
Name: Jacksons Landing
Address: Jones & Bowman St, Distillery Drive & Refinery Drive.
Reason lenders have concerns: Redevelopment of industrial site into apartments, townhouses and some retail. Buildings include: The Elizabeth, Regatta Wharf, Bridgeview, The Terraces, The Quarry, Hillside Apartments, Fleetview, The Distillery, The Escarpment, Stonecutters, Sugar Dock. Retail properties are not eligible as residential security.
Name: Knox on Bowman
Address: Cnr Bowman St and Refinery Drive
Reason lenders have concerns: Luxury residential apartments located within Jacksons Landing
Refer to our luxury residential page for more information.
Name: M Central
Address: 320-384 Harris St
Reason lenders have concerns: Warehouse conversion into residential apartments in two parts – M1 & M2. Retail precinct is not acceptable.
Refer to our warehouse conversions page for more information.
Name: Darling One
Address: 50 Murray St
Reason lenders have concerns: Residential development. Security is leasehold – lessor is Darling Harbour Authority.
Name: Sydney Wharf 9
Address: 56-56a Pirrama Road
Reason lenders have concerns: Residential development on Sydney Wharf precinct. Residential units only. Marina berths are not acceptable security for a mortgage.
Name: Quay Point
Address: 81 Point St
Reason lenders have concerns: Development of 48 units. (High Density)
Refer to our inner city apartments page for more information.
Name: M North
Address: 135 Point St
Reason lenders have concerns: Residential development of 34 units. (High Density)
Refer to our inner city apartments page for more information.
Name: Paragon Apartments
Address: 149-197 Pyrmont St
Reason lenders have concerns: Residential development of 175 units. (High Density)
Refer to our inner city apartments page for more information.
Name: Goldsborough Apartments
Address: 243 Pyrmont St
Reason lenders have concerns: Residential and Serviced apartments. Permanent occupation allowed. Serviced apartments are not under any long term lease arrangements and can be terminated at any time. Some units may be less than 50m2 which makes them unacceptable to some lenders.
Refer to our serviced apartments page for more information.
Address: 2-26 Wattle Cres
Reason lenders have concerns: 12 level, residential apartments
Queenscliff
Name: Catalinas
Address: 168 Queenscliff Rd
Reason lenders have concerns: Residential development of 106 units. (High Density)
Refer to our inner city apartments page for more information.
Randwick
Address: 2-20 Gumara St
Reason lenders have concerns: Residential development of 30 units. (High Density)
Refer to our inner city apartments page for more information.
Redfern
Name: Caley Apartments, part of Moore Park Gardens
Address: 6-8 Crescent St
Address: 32-42 Rosehill St
Reason lenders have concerns: Residential apartments
Address: 21-69 Regent St
Reason lenders have concerns: Residential apartment complex of 99 units. (High Density)
Refer to our inner city apartments page for more information.
Rhodes
Name: Tandara
Address: 6-10 Jean Wailes Ave also known as 7 Sevier Ave & 14 Shoreline Drive
Reason lenders have concerns: Residential development by Mirvac of 164 units (High Density)
Refer to our inner city apartments page for more information.
Name: Riva Waterfront
Address: 15 Lewis Ave
Reason lenders have concerns: Unusual residential apartment development.
Name: Village Quay
Address: 2 Nina Gray Ave & 50 Walker St & 73 Shoreline Drive
Reason lenders have concerns: Residential apartment development of 256 units. (High Density)
Refer to our inner city apartments page for more information.
Name: Huxley South
Address: 1 Rider Boulevarde
Reason lenders have concerns: Unusual residential apartments
Name: Rhodes Waterside
Address: 12 Shoreline Drive also known as 17 Jean Wailes Ave
Reason lenders have concerns: Residential development of 150 units by Mirvac. (High Density)
Refer to our inner city apartments page for more information.
Name: Huxley North
Address: 6 Shoreline Drive
Reason lenders have concerns: Unusual residential apartments
Address: 9 Shoreline Drive
Reason lenders have concerns: Residential development of 114 units. (High Density)
Refer to our inner city apartments page for more information.
Name: Amarco
Address: 17-19 Shoreline Drive also known as 76-80 Rider Boulevard
Reason lenders have concerns: Residential development by Mirvac of 222 units. (High Density)
Refer to our inner city apartments page for more information.
Name: Sienna by the Bay.
Address: 2-4 Marquet St
Reason lenders have concerns: Residential development by Meriton of 312 apartments. (High Density)
Refer to our inner city apartments page for more information.
Name: Sol Rio
Address: 10-14 Marquet St
Reason lenders have concerns: Unusual residential apartments.
Name: Riverview Apartments at the Peninsula
Address: 89-91 Shoreline Drive
Reason lenders have concerns: Large residential development by Meriton.
Rockdale
Name: Seaview Apartments
Address: 572-578 Princes Highway
Reason lenders have concerns: Residential development of 56 units. (High Density)
Refer to our inner city apartments page for more information.
Name: Rockdale Plaza
Address: 13 Rockdale Plaza Drive
Reason lenders have concerns: Residential development of 123 units. (High Density)
Refer to our inner city apartments page for more information.
Rose Bay
Name: Residential Units
Address: 2-16 Towns Rd
Reason lenders have concerns: Boutique development of 12 units, considered unusal by some lenders.
Rosebery
Name: Kimberley Estate
Address: 83-93 Dalmeny Ave
Reason lenders have concerns: Residential apartment complex of 286 units. (High Density)
Refer to our inner city apartments page for more information.
Name: Valentino Place
Address: 1-23 Epsom Road also known as 2-4 Spring St or 2-4 Stedman St or 9 Rothschild Ave
Reason lenders have concerns: 266 Apartments. (High Density) Meriton residential complex; possible 2 year leaseback in place.
Refer to our inner city apartments page for more information.
Name: A2
Address: 57-61 Rothschild Ave
Reason lenders have concerns: Unusual residential development
Rosehill
Name: Pegasus 88
Address: 88 James Ruse Drive
Reason lenders have concerns: Development of 117 apartments which are predominantly Dual Key and over 2 levels. (High Density)
Refer to our inner city apartments page for more information.
Name: Waldorf Apartments
Address: 110-114 James Ruse Drive
Reason lenders have concerns: Subject to 2 year lease with 6 months termination notice. Considered unacceptable by many lenders.
Rothbury
Name: The Vintage
Address: Vintage Drive
Reason lenders have concerns: New residential, resort and golf facilities in NSW Hunter Valley. Unacceptable to many lenders.
Rouse Hill
Address: 72 Civic Way & 47 Main St
Reason lenders have concerns: Residential development of 104 units. (High Density)
Refer to our inner city apartments page for more information.
Ryde
Name: Waterside Apartments
Address: 84-86 Belmore St
Reason lenders have concerns: Unusual residential development
Address: 96-102 Belmore St
Reason lenders have concerns: Unusual residential development
Rushcutters Bay (may also show as Darlinghurst)
Name: Advanx Apartments
Address: 34-60 McLachlan Ave
Reason lenders have concerns: Residential development of 94 units (High Density).
Units under 50 sqm are not acceptable security to many lenders. Commercial lots are not acceptable security for a home loan.
Name: Bayside Apartments
Address: 85-87 New South Head Road
Reason lenders have concerns: Residential development of 64 units. (High Density). Note that some apartments are < 50 sqm which is a concern for many lenders. Retail lots are not acceptable residential security for a mortgage.
Refer to our inner city apartments page for more information.
Salamander Bay
Name: Horizons Golf Resort
Address: 5 Horizons Drive
Reason lenders have concerns: Only apartments with normal residential council zoning are acceptable to most lenders. Villas/townhouses/apartments with tourist accommodation zoning are not acceptable to the majority of lenders. Residential zoned apartments are acceptable as they permit owner occupancy and private renting. All other sections of the development are run as serviced apartments with 10 year leaseback and permanent occupancy is not permitted.
Shoal Bay
Name: Shoal Bay Country Club / Shoal Bay Resort and Spa
Address: Shoal Bay Road
Reason lenders have concerns: Development comprises: Beach Club Apts, Barrington Tower Apts, Breakwater Tower Apts & Seaspray townhouses. Barrington Towers and Breakwater Towers are the only units that are acceptable to most banks. There are occupancy restrictions and local council restrictions around permanent occupancy. Hotel & convention centre – these are not acceptable for standard residential mortgages.
Silverwater
Name: Sterling
Address: 3 Carnarvon St
Reason lenders have concerns: Meriton residential complex; possible 2 year leaseback in place.
Address: 42-44 Carnarvon St
Reason lenders have concerns: Residential development of 10 uniquely designed units.
St Ives
Name: Loralea Gardens
Address: 17-19 MemorialAve
Reason lenders have concerns: Meriton residential complex of 223 units. (High Density)
Refer to our inner city apartments page for more information.
Name: Ivy
Address: 36-42 Stanley St Cnr Link Road
Reason lenders have concerns: Meriton residential complex of 82 units over 2 buildings. (High Density)
Refer to our inner city apartments page for more information.
St Leonards
Name: Pavilions on the Park
Address: 1-16 Duntroon Ave
Reason lenders have concerns: Residential development of 39 units. (High Density)
Refer to our inner city apartments page for more information.
Name: The Forum
Address: Cnr Pacific Highway & Herbert St
Reason lenders have concerns: 36 level development comprising a residential tower, serviced apartment/hotel tower, and commercial space (not acceptable) on lower levels.
St Peters
Name: Parkside Apartments
Address: 60-82 Princes Highway
Reason lenders have concerns: Newly built residential development of 76 units. (High Density)
Refer to our inner city apartments page for more information.
Strathfield
Name: Strathbelle
Address: 1-3 Beresford St
Reason lenders have concerns: Residential development of 202 units. (High Density)
Refer to our inner city apartments page for more information.
Name: Stratford
Address: 5-7 Beresford St
Reason lenders have concerns: Residential development of 126 units. (High Density)
Refer to our inner city apartments page for more information.
Address: 39 Cooper St
Reason lenders have concerns: Residential development of 107 units. (High Density)
Refer to our inner city apartments page for more information.
Surry Hills
Name: The Carlisle
Address: 105-113 Campbell Street
Reason lenders have concerns: 1 bedroom, 2 bedroom and loft apartments.
Name: Delano
Address: Bellevue St
Reason lenders have concerns: Residential apartment development.
Address: 417-445 Bourke St
Reason lenders have concerns: Large residential complex with commercial components. Residential apartments acceptable only. The zoning of the building may cause issues for some lenders.
Name: The Common
Address: 27-29 Commonwealth St
Reason lenders have concerns: 20 storey high rise residential unit complex. (High Density)
Refer to our inner city apartments page for more information.
Name: Edgeview
Address: Riley St
Reason lenders have concerns: 71 studios and 51x 1 bedroom residential apartments. (High Density)
Name: Icon Apartments
Address: 8 Cooper St
Reason lenders have concerns: Conversion of former hotel; 79 units – 1 & 2 bedrooms. (High Density)
Refer to our inner city apartments page for more information.
Name: E’space Apartments
Address: 15-27 Hutchinson St
Reason lenders have concerns: Unusual residential development
Name: Mezzanine Apartments
Address: 462 Cleveland St
Reason lenders have concerns: Warehouse redevelopment of 25 residential apartments, all with 2 or 3 levels.
Sutherland
Address: 55 Auburn Street
Reason lenders have concerns: Residential development of 36 units. (High Density)
Refer to our inner city apartments page for more information.
Sydney (CBD / City)
Name: Lumiere
Address: 101-103 Bathurst St
Reason lenders have concerns: Newly constructed apartment complex in Sydney CBD Apartments known as Aqua, Azure or Blu. High density units.
Name: Euro Tower
Address: 137-139 Bathurst St
Reason lenders have concerns: Residential development of 35 units. (High Density)
Refer to our inner city apartments page for more information.
Address: 2 Bond Street (also known as 254 George St)
Reason lenders have concerns: CBD development comprising a mixture of serviced apartments and residential apartments. Serviced apartment arrangement is not compulsory and owners may terminate the agreement with 6 months notice.
Address: 104-118 Clarence St
Reason lenders have concerns: Residential development of 5 stories. (High Density)
Refer to our inner city apartments page for more information.
Name: Hyde Park Plaza
Address: 38 College St
Reason lenders have concerns: Residential development. If a serviced apartment is involved, the lender may refer your application to their risk department for further assessment.
Name: Aspect Apartments
Address: 2 Cunningham St
Reason lenders have concerns: Levels 12-41 are residential apartments. Levels 1-11 are serviced apartments with 25 year leaseback and are not acceptable security.
Name: Victoria Tower
Address: 197-199 Castlereagh St
Reason lenders have concerns: Residential development of 252 apartments. (High Density)
Refer to our inner city apartments page for more information.
Name: Regis on Castlereagh
Address: 317-321 Castlereagh St
Reason lenders have concerns: Residential development of 650 apartments. (High Density)
Refer to our inner city apartments page for more information.
Name: Hyde Park Regency
Address: 281 Elizabeth St
Reason lenders have concerns: Development of 277 apartments over 22 floors. (High Density)
Refer to our inner city apartments page for more information.
Name: Citivilla
Address: 653 George St & 438 Sussex St
Reason lenders have concerns: Mix of studios and 1 & 2 bedroom apartments in Sydney’s Chinatown.
Refer to our studio apartments and inner city apartments page for more information.
Name: The Summit
Address: 569-581 George St
Reason lenders have concerns: High rise residential development in Sydney CBD fringe. (High Density)
Refer to our inner city apartments page for more information.
Name: Taragon Central
Address: 849-855 George St
Reason lenders have concerns: Newly constructed 17 storey high rise residential complex in Sydney. (High Density)
Refer to our inner city apartments page for more information.
Name: Quay West
Address: 100 Gloucester St Sydney
Reason lenders have concerns: Serviced apartments with 1 year management agreement able to be terminated with 6 months notice. Following termination there is no restriction on permanent occupancy.
Refer to our serviced apartments page for more information.
Name: Sydney Mansion
Address: 133 Goulburn Street
Reason lenders have concerns: Warehouse residential redevelopment
Refer to our warehouse conversions page for more information.
Name: Harbour Garden Towers
Address: 28 Harbour St
Reason lenders have concerns: Resort style development. Can live in or can enter into leaseback arrangement (serviced apartments) with rental guarantee. If units are to be used as serviced apartments they are not acceptable for residential lending purposes for many lenders.
Name: The Cove
Address: 129-145 Harrington St, The Rocks
Reason lenders have concerns: Residential development. Levels 3-44 are residential. Offices are not acceptable residential security.
Name: Harrington Grande Apartments
Address: Harrington St, The Rocks
Reason lenders have concerns: 40 storey development in the historic Rocks district. Levels 1 – 13 are not acceptable for residential purposes with many lenders. (High Density)
Refer to our inner city apartments page for more information.
Name: Highgate Apartments
Address: 127 Kent St
Reason lenders have concerns: Not accepted by some mortgage issuers or major banks.
Name: Stamford Marque
Address: 161 Kent St
Reason lenders have concerns: Luxury residential unit complex with harbour views, considered unique and may have LVR restrictions.
Name: Stamford on Kent or 187 Kent St
Address: 187 Kent St
Reason lenders have concerns: 28 storey CBD residential development. (High Density) Levels 10-28 are called Stamford on Kent while lower 9 floors are called 187 Kent St. Commercial & retail areas are not acceptable security.
Refer to our inner city apartments page for more information.
Name: The Rex
Address: 355-359 Kent St
Reason lenders have concerns: 25 storey residential development. (High Density) Retail lots are not acceptable.
Refer to our inner city apartments page for more information.
Name: Trafalgar
Address: 361-363 Kent St
Reason lenders have concerns: Residential development of 26 floors. (High Density) It may have a 2 year leaseback to developer (Meriton). Retail areas are not acceptable.
Refer to our inner city apartments page for more information.
Address: 365 Kent St
Reason lenders have concerns: 27 storey residential development. Any retails sales areas are unacceptable security.
Name: Maestri Towers 1
Address: 515 Kent St
Reason lenders have concerns: Residential development. There may be a 1 or 2 year leaseback to Meriton (developers)
Name: King Street Wharf
Address: King Street Wharf
Reason lenders have concerns: Residential apartments only. It is a redevelopment of old wharves site into residential and retail / commercial. Title is strata leasehold and lessor is Dept of Maritime Services. Retail, commercial or hotel precincts are not acceptable as residential security. The apartments here may be considered as security based on their merits.
Name: The Savoy
Address: 31-43 King St
Reason lenders have concerns: Residential development.
Name: The Waldorf Apartments
Address: 57-67 Liverpool St
Reason lenders have concerns: Residential complex of 195 units. (High Density)
Refer to our inner city apartments page for more information.
Address: 91 Liverpool St
Reason lenders have concerns: Residential Tower of 289. (High Density)
Refer to our inner city apartments page for more information.
Name: World Tower
Address: 95 Liverpool St
Reason lenders have concerns: 59 storey residential; Meriton development of 637 apartments. (High Density)
Refer to our inner city apartments page for more information.
Name: The Hyde
Address: 157 Liverpool St
Reason lenders have concerns: Residential development in Sydney CBD of 132 apartments. (High Density)
Refer to our inner city apartments page for more information.
Name: The Connaught
Address: 187 Liverpool St
Reason lenders have concerns: Residential development in Sydney CBD. High density units.
Name: Quay Grand
Address: 61 Macquarie St
Reason lenders have concerns: Unusual residential apartments. Option to lease on 6 monthly term, may be considered as serviced apartments by some lenders.
Name: Tower Apartments
Address: 70 Market St
Reason lenders have concerns: Development of 100 apartments. (High Density)
Refer to our inner city apartments page for more information.
Name: Princeton Apartments
Address: 304-308 Pitt St
Reason lenders have concerns: Development of 117 apartments. (High Density)
Refer to our inner city apartments page for more information.
Name: Century Tower
Address: 343-357 Pitt St
Reason lenders have concerns: Residential development of 53 floors. Business units are not acceptable as residential security. (High Density)
Refer to our inner city apartments page for more information.
Name: Hordern Towers Apartments
Address: 393 Pitt St
Reason lenders have concerns: Development of 278 apartments. (High Density)
Refer to our inner city apartments page for more information.
Name: Miramar Apartments
Address: 398-408 Pitt St
Reason lenders have concerns: Development of 281 apartments (High Density)
Refer to our inner city apartments page for more information.
Name: Mosaic
Address: 420 Pitt St
Reason lenders have concerns: Meriton development of 52 apartments. (High Density)
Refer to our inner city apartments page for more information.
Name: Peak Apartments
Address: 2 Quay St
Reason lenders have concerns: Residential apartments. Title is a strata leasehold until 2087. Residential apartments only are acceptable as security for a home loan.
Name: Harmony
Address: 107-121 Quay St
Reason lenders have concerns: Residential development (Meriton).
Name: King Street Wharf
Address: 23 Shelley St
Reason lenders have concerns: Residential development of 157 units. (High Density)
Refer to our inner city apartments page for more information.
Name: Millennium Tower
Address: 289-295 Sussex St
Reason lenders have concerns: Residential development of 330 units in Chinatown. (High Density)
Refer to our inner city apartments page for more information.
Name: Metro Apartments on Sussex (may also show as Beehive Apartments)
Address: 132-136 Sussex St
Reason lenders have concerns: If customer takes the serviced apartment arrangement it can only be terminated by selling. New purchaser can owner occupy, rent out privately, or take up the serviced apartment offer.
Refer to our serviced apartments page for more information.
Name: Maestri Towers 2
Address: 298-304 Sussex St
Reason lenders have concerns: Levels 8-27 are residential apartments. Levels 1-7 are serviced apartments operated by the Oaks Group and are not acceptable security to most lenders.
Refer to our inner city apartments and serviced apartments page for more information.
Name: Windsor Plaza
Address: 336-346 Sussex Street
Reason lenders have concerns: 159 Unit residential developments in CBD. Any retails sales areas are unacceptable.
Name: Emporio
Address: 339-345 Sussex St
Reason lenders have concerns: High rise residential development in Sydney CBD. (High Density)
Refer to our inner city apartments page for more information.
Address: 348-354 Sussex St
Reason lenders have concerns: Residential complex overlooking Darling Harbour. High density units.
Name: Regal Apartments
Address: 361 Sussex St
Reason lenders have concerns: 10 storey residential development of 93 apartments. (High Density)
Refer to our inner city apartments page for more information.
Address: 2 York St Portico
Reason lenders have concerns: 153 Unit residential developments in CBD. (High Density)
Refer to our inner city apartments page for more information.
The Entrance
Name: Waldorf by the Sea
Address: 18 Coral St
Reason lenders have concerns: Mixed residential and hotel development. Residential apartments are acceptable to many lenders. Hotel units are not acceptable to most lenders.
Thredbo
Reason lenders have concerns: Properties under Snow Lease. (Exclusive to Thredbo only) Head lease is between National Parks and Wildlife and Kosciusko Thredbo Pty Ltd Acceptable properties need to be identified as residential in nature (apartment, unit, house) and only subject to sublease condition of 6 month permanent occupancy restriction. Acceptable to some lenders on a case by case basis.
Turner (ACT)
Name: Haig Tower
Address: 109 Northbourne Ave & Masson Sts
Reason lenders have concerns: 10 storey residential development in Canberra inner city.
Tweed Coast (Cabarita Beach)
Name: The Beach Cabarita
Address: Cnr Pandanus Parade & Coast Road
Reason lenders have concerns: Residential resort development. Retail precinct is not acceptable residential security.
Tweed Heads
Name: The Oasis
Address: Falcon Way
Reason lenders have concerns: Resort style development. May have restrictions on the sale, lease or permanent occupation of the property.
Name: Seaspray Apartments
Address: 7-9 Lloyd St
Reason lenders have concerns: 2 bedroom apartments on the Gold Coast, considered as high density units.
Name: The Isle
Address: Mariners Drive East
Reason lenders have concerns: Residential subdivision, considered unusual.
Name: Twin Towns Resort
Address: Wharf St
Reason lenders have concerns: Residential and hotel complex. Local Council and Development Approval restricts permanent occupation; for short term accommodation only. Acceptable only to a few select banks.
Name: Tweed Ultima
Address: Cnr Wharf & Bay Streets (development also borders Stuart St and may also be known at this address)
Reason lenders have concerns: Residential / Retail apartments. Considered mixed use / unusual and so is not acceptable to many banks.
Ultimo
Address: Dalgety Square Jones St
Reason lenders have concerns: Converted wool store now residential apartments. Considered to be high density and a warehouse conversion, so is unacceptable to many lenders.
Name: 646 Harris St
Address: Harris St
Reason lenders have concerns: Unusual residential development.
Name: Bullecourt
Address: Cnr Harris and Quarry Sts
Reason lenders have concerns: Residential development comprising two buildings: “Pyrmont” with 113 units, and “Bristol & Quarry” containing 104 units. Home offices are acceptable. Commercial/ retail lots are not acceptable as security for a home loan. (High Density)
Refer to our inner city apartments page for more information.
Address: 17-19 Macarthur St
Reason lenders have concerns: Unusual residential development
Name: Merchant Square
Address: 485-511 Wattle St
Reason lenders have concerns: Residential development of 99 units. (High Density)
Refer to our inner city apartments page for more information.
Name: Quadrant off Broadway
Address: Mountain St
Reason lenders have concerns: Mixed development comprising: Blackwattle Apartments and Mountain Apartments residential apartments – these are acceptable residential security to many lenders; Broadway Apartments student accommodation – these are not acceptable as residential security to many lenders; Commercial precinct, also not acceptable.
Wahroonga
Name: 3 Munderah St
Reason lenders have concerns: Residential development of 42 units. (High Density)
Refer to our inner city apartments page for more information.
Waitara
Name: Orara Gardens
Address: 34-47 Orara St
Reason lenders have concerns: 9 storey residential development. (High Density)
Refer to our inner city apartments page for more information.
Address: 8-10 Romsey St
Reason lenders have concerns: Residential development by Meriton. May be subject to short term leaseback arrangements.
Address: 17-21 Romsey St
Reason lenders have concerns: Residential development of 9 buildings – developer is Meriton. May have 2 year optional leaseback.
Name: The Edge
Address: 36-40 Romsey St
Reason lenders have concerns: 8 storey residential development of 52 apartments. (High Density)
Refer to our inner city apartments page for more information.
Name: Waitara Grand Apartments
Address: 41-45 Waitara Ave
Reason lenders have concerns: 8 storey residential development of 136 apartments. (High Density)
Refer to our inner city apartments page for more information.
Walsh Bay, Sydney
Name: The Shore, The Pier and The Parbury Apartments
Address: Hickson Road or Pottinger St
Reason lenders have concerns: Redevelopment of old wharves into a residential and retail complex. Title is 99 year strata leasehold and lessor is Waterways Authority. Residential apartments only are acceptable to some lenders.
Warrawee
Address: 1389-1397 Pacific Highway
Reason lenders have concerns: Residential development of 59 units over 2 buildings. (High Density)
Refer to our inner city apartments page for more information.
Waterloo
Name: Green Square Oasis
Address: 25-33 Allen St
Reason lenders have concerns: Large residential development.
Name: Jewel
Address: 7 Broome St
Reason lenders have concerns: Large residential apartment complex
Name: The Cooperage
Address: 233 Cope St
Reason lenders have concerns: Converted warehouse with an unusual / unique design.
Refer to our warehouse conversions page for more information.
Name: Tiara
Address: 9 Crystal St
Reason lenders have concerns: Unusual residential Complex
Name: Jewel
Address: 22 Crystal St
Reason lenders have concerns: Residential development of 99 units. (High Density)
Refer to our inner city apartments page for more information.
Name: Atarah
Address: 28 Crystal St
Reason lenders have concerns: Residential development. Commercial/retail precinct is not acceptable as residential security.
Name: Meriton Apartments
Address: 28-30 Danks St
Reason lenders have concerns: Residential development of 83 units. (High Density)
Refer to our inner city apartments page for more information.
Name: Sonama
Address: 11 Hunter Street
Reason lenders have concerns: Residential development of 94 units. (High Density)
Refer to our inner city apartments page for more information.
Address: 2-4 Lachlan St
Reason lenders have concerns: Meriton residential complex of 281 apartments. (High Density)
Refer to our inner city apartments page for more information.
Name: Aria
Address: 5 Potter Street
Reason lenders have concerns: Meriton residential complex of 52 apartments. (High Density)
Refer to our inner city apartments page for more information.
Name: Cameo
Address: 7 Potter Street may also be known as 6 Lachlan St
Reason lenders have concerns: Meriton residential complex of 72 apartments. (High Density)
Refer to our inner city apartments page for more information.
Name: Warehouse 5
Address: 169-175 Phillip St also known as 12 Danks St
Reason lenders have concerns: Residential redevelopment of a warehouse into 128 units. (High Density)
Refer to our inner city apartments page for more information.
Westmead
Address: 32-34 Mons Road
Reason lenders have concerns: Residential development of 108 units. (High Density)
Refer to our inner city apartments page for more information.
Wolli Creek
Address: 5 Lusty St
Reason lenders have concerns: New Residential Unit complex; 9 floors 61 units. (High Density)
Refer to our inner city apartments page for more information.
Name: Terrazzo
Address: 95-97 Bonar St
Reason lenders have concerns: Large Meriton residential development
Wolli Creek (Discovery Point)
Name: Greenbank Apartments
Address: Brodie Spark Drive
Reason lenders have concerns: Newly constructed residential complex with 163 units (High Density)
Refer to our inner city apartments page for more information.
Wollongong
Name: Eclipse Apartments
Address: 19A Market St
Reason lenders have concerns: Development of 30 apartments. (High Density) A serviced apartment development operates within the complex under address of 112-114 Corrimal St and these units are not acceptable to many banks.
Refer to our inner city apartments page for more information.
Woolloomooloo
Name: The Wharf
Address: Cowper Road
Reason lenders have concerns: Redeveloped wharf into a residential, hotel and retail complex. Title is strata leasehold and lessor is Dept of Maritime Services. Residential apartments only are acceptable to some lenders.
Name: The Marquis
Address: 200 William St
Reason lenders have concerns: Unusual residential development. Commercial precinct is not acceptable as residential security.
Address: 1 Boomerang Pl
Reason lenders have concerns: Residential Complex on CBD outskirts (near cross city tunnel)
Wyong
Name: Kooindah Waters
Reason lenders have concerns: New residential, resort and golf facilities on NSW Central Coast. Houses and villas are acceptable. Motels are short term accommodation and so are unacceptable to most lenders.
Yamba
Name: The Cove
Address: 4 Queen St
Reason lenders have concerns: Residential / resort complex. Permanent Occupancy allowed
Zetland
Name: Prominence Apartments
Address: Grandstand Pde, 98 Joynton Ave
Reason lenders have concerns: Residential Development – Permanent occupancy allowed. Retail precinct unacceptable security for a home loan or investment loan.
Name: Bullecourt
Address: Cnr Gadigal, Defries Ave, Levy Walk
Reason lenders have concerns: Residential Development. Residential precinct known as Bristol & Quarry, and Pyrmont acceptable to most lenders. Commercial / Retail unacceptable.
Name: The Nest
Address: Gadigal Avenue
Reason lenders have concerns: Residential development.
Name: VSQ1(Victoria Square)
Address: 5-15 Hutchinson Walk & 7 Defries Ave
Reason lenders have concerns: Large Meriton residential complex 5km south of the CBD
Do you need help to get approval?
Our mortgage brokers are experts in the policies of the major lenders and can quickly work out how to get your home loan approved. Please call us on 1300 889 743 or enquire online to discuss your situation and the property that you are buying with one of our staff.
