Australia’s land size is shrinking, but homebuyers still want space. With blocks averaging just 645sqm, lenders are adjusting their criteria to support smaller-lot builds that retain livability—and value. 

• Lenders are reassessing valuation models for smaller blocks 

• High-usage dwellings (duplexes, split-level) are gaining lender appeal 

• Lot-size overlays affect zoning, LVRs, and resale assumptions 

PropTrack and ABS data confirm this trend: smaller land + full-sized homes = new lending norms. But getting the valuation right requires experience in financing spatially efficient builds. 

At Infinite Finance, we help clients get their smaller-lot projects financed right—from feasibility to final drawdown—by choosing lenders that understand land use, not just land size. 

Want to fund smarter on smaller lots? 

Discover lending strategies for compact growth—watch the guide