Property types do matter

Generally with standard residential property Banks will lend to 80% comfortably. For non-standard they will lend to lower levels; as low as 50%. Examples of non-standard property:
 

• Apartments under 40m2
• Serviced apartments
• Leasehold property
• Bare land without services to the kerb
• Boarding houses
• Multiple units on one title
• Leaky homes