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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