High Density Postcode Restrictions

Addtional Skip lending restrictions for high density postcodes.

Last updated January 2026

For Owner Occupier Loans

We are unable to lend against:

  • Apartments in buildings that are 7 stories or more and were completed after 2014
  • Any apartment complex with more than 30 units within the following High Density Postcode List (see below)

For Investment Loans

We are unable to lend against:

  • Apartments in buildings that are 7 stories or more
  • Any apartment within the following High Density Postcode List (see below)

SYDNEY

2000, 2017, 2018,
2020, 2077, 2113,
2114, 2121, 2127,
2141, 2142, 2144,
2145, 2150, 2155,
2160, 2170, 2220,
2750

MELBOURNE

3000, 3003, 3004,
3006, 3008, 3011,
3066, 3122, 3123,
3128, 3141, 3145, 3169

BRISBANE

4000, 4006, 4101

ADELAIDE/PERTH/NT/TAS

5000, 6000, 7000