Density is rising fast in places like Eastgardens, Newstead, and Rhodes. But behind the high-rise skyline is a complex web of lender rules, postcode risk ratings, and shifting valuation logic. 

• Lenders assess high-density differently—especially for OTP or <50sqm units 

• Some suburbs now flagged as postcode risk zones with lower LVRs 

• Strategic lending allows access to better valuation methods and flexibility 

Bank credit teams are adjusting to the sharp rise in urban density, especially near transport corridors. Risk thresholds are being re-evaluated based on absorption rates, resale data, and density saturation. 

At Infinite Finance, we structure lending that matches density realities—navigating postcode limits, lender appetite, and property-specific risk factors so clients stay fully funded in fast-evolving growth zones. 

Want lending that aligns with urban momentum? 

Discover how we navigate high-density finance—watch the breakdown