Copyright © LYDIAN FINANCIAL SERVICES PTY LTD 2026. All Right Reserved.
Victoria | Lydian platform, delivered in partnership with Clark Finance Group
CHANGE LOCATION
Warrandyte South is quieter and more rural than Warrandyte proper, with larger holdings, heavier bush and no real centre of its own. It appeals to people who want genuine space and are happy to drive to Ringwood or Warrandyte for anything they need.
Warrandyte South combines the two things that most narrow the lender field: substantial land and high bushfire exposure. Individually each is manageable; together they mean fewer lenders will participate and those that do often lend a lower percentage.
Deposits here need to be planned realistically. Where a suburban purchase might proceed at ninety per cent, a bush property of several hectares in a high risk overlay may be capped at seventy per cent or less with a mainstream lender. Specialist lenders sometimes go further, at a price.
Valuation is the other variable. Very few properties trade here, and those that do are individual enough that comparable evidence is thin. We would always suggest treating an agent’s appraisal as indicative rather than as the figure the bank will use.
Large land plus high bushfire risk narrows the field sharply. Getting to the right lender first is most of the work.
Seventy per cent lending is a realistic planning assumption here, not ninety. Better to know early.
Few sales and individual properties. Valuations vary more than in a conventional suburb.
Whatever stage you are at, there is a path through it. Pick the one that sounds like you.
Lenders reduce their exposure where properties are harder to value and slower to sell, and large bush holdings in high bushfire areas tick both boxes. It is a risk position rather than a comment on you as a borrower. The specific percentage varies considerably between lenders.
Yes. Several second tier and specialist lenders are noticeably more accommodating on rural-residential and high bushfire properties than the major banks, and will lend a higher percentage. They usually price a little above the majors, so it becomes a trade-off between rate and how much you can borrow.
It can be worth it here. Some lenders will order an upfront valuation before a full application, which on a property with limited comparable evidence gives you a real number to negotiate against. It costs a little time but removes a significant unknown.
That often makes things considerably easier. Equity in an established, easily valued suburban home can supplement your deposit, directly addressing the lower maximum loan on the rural property. It does put both properties into the security picture, so the structure needs thinking through carefully.
Book a free consultation and we will walk you through your options, what you can borrow, and what it will cost.
Book a free consultation
Serving clients across Australia.
Authorised Representative no. 525 778
Specialist Financial Group Australian Credit Licence no. 387025
Lydian Financial Services Victoria
Suite 1/103 Grimshaw Street, Greensborough VIC 3088, Australia
Level 12, 15 Collins Street Melbourne VIC 3000, Australia
Copyright © LYDIAN FINANCIAL SERVICES PTY LTD 2026. All Right Reserved.