Finder makes money from featured partners, but editorial opinions are our own.

Mapped: The suburbs where it’s tougher to get a loan



Having trouble getting a loan? Your postcode might be the problem.

When you apply for a loan, the lender assesses the risk that you represent. Much of that assessment is based on your own income and credit history, but broader trends are also included. One you might not have reflected on is your location.

If you want to buy a home or set up a business in an area which has a higher-than-average default rate for loans, you may have to jump through more hoops. NAB, for instance, has a list of 40 high-risk postcodes where it assesses personal and business loans more stringently, and usually requires more equity.


Analyst Martin North of Digital Financial Analytics has identified the riskiest postcodes in NSW and Victoria based on perceived risk to lenders. We've put all 66 places in these postcodes on a searchable map below.

Is your hometown on the list? Type in the name and find out, or zoom in to explore where the riskier areas are. (To reset and see every location, just clear the Suburb box then click Search.)

Find the right home loan now

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site