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Townhouses in small complexes are treated as standard residential property by most lenders with LVRs up to 95%. Strata/community title complexes and floor area under 50m² may attract LVR restrictions.
Yes — if the townhouse meets the lender's minimum size requirement (usually 50m²+) and is not in a high-density complex. First home buyers can use the First Home Guarantee scheme (5% deposit, no LMI).
No — body corporate fees are paid separately. However, lenders include them as a living expense when assessing your ability to service the loan, which slightly reduces your borrowing power.
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