- Residential (or zoning deemed equivalent of residential).
- Rural Residential.
- Mixed-use Residential units where the ground floor only has a commercial use: A minimum of 3 comparable sales are required.
- Up to 2 dwellings on a single title.
- Ownership of no more than 4 units in a single development OR 25% of developments.
- Properties with improvements worth >10% of the property value.
- Properties up to 5 acres (2 hectares)
- Units over 50 sqm (total living area)
- Selling period of less than 6 months
- Units in blocks of 4+ storeys that are new developments (built within 3 years) are limited to 80% including fees.
- Vacant land; only as second security.
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- Properties in Construction / development / partially completed dwellings
- Income-producing properties
- Exotic construction relocated or Kit homes
- Short Term Letting (Holiday/Resort) timeshare, dual key, serviced apartments
- Flood prone areas
- Properties adjoining power lines, railway lines or highways.
- Studios
- Units under 50sqm (total living area)
- Properties in Poor Condition
- Retirement Village / Over 55 properties
- Off the plan Purchases
- Display Homes (where the property will continue to be a display home)
- Lifestyle/Holiday style homes
- Securities with active Development Approval(DA)*
- NRAS Schemes
- Defence force housing
- Multiple titles for a single dwelling
- Student/houses of multiple occupancy (HMO) accommodation sites (where material adjustments have been made to the property).
- Unacceptable titles including Company share, Native title, Company title, Stratum title, Mining Lease, Crown Lease or Leasehold (excluding ACT).
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