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Suburb RiskScanner.
Not all suburbs perform the same way. Not all lenders treat them the same way either. This prompt surfaces the supply, demand, employment, infrastructure, and lender appetite signals for any Australian suburb — and flags the questions your analysis can’t answer.
Why this matters
A suburb can look excellent on the surface — strong auction clearance rates, rising median prices, good school catchments — and still be a problem for the specific buyer or investor standing in front of me. Not because the suburb is bad. Because the lender’s credit policy treats that suburb differently to how the market treats it.
High-density postcodes attract LVR restrictions at some lenders. Regional postcodes with mining or resort-town classifications attract different serviceability assessments. Postcodes with oversupply flags can affect both your ability to borrow and your ability to refinance in two years. None of this is visible in the listing.
This prompt surfaces what the listing doesn’t tell you — and flags the questions you still need to verify before you commit.
“A suburb that looks good on paper can look very different to a credit assessor.
What you're building
A structured suburb risk assessment covering: employment and infrastructure base, supply and demand signals, lender appetite flags, risk overlay flags (flood, fire, industrial, environmental), a suburb summary, and the five things about this suburb you need to verify before committing.
Claude (free tier works). The suburb name, state, and postcode. Your intent: investor or owner-occupier. Your target property type.
Paste your suburb.Read what the listingdoesn't tell you.
Paste the prompt below into Claude with your suburb details filled in. The output surfaces the signals AI can identify from available data — and flags the gaps that require council, lender, and professional verification.
The lender appetite flags in this output are based on general knowledge of lender policy categories. Lender policies change regularly and vary by lender. Always verify with your broker whether any flags apply to the specific property and the specific lenders they intend to approach.
Risk scanner
Suburb risk scanner · Claude / ChatGPT · suburb-level supply, demand, and policy signals
Run a structured suburb risk assessment for an Australian property investor or buyer. SUBURB: [Suburb name, state, postcode] MY INTENT: [Investor / owner-occupier / first home buyer] TARGET PROPERTY TYPE: [House / townhouse / apartment / unit] Return a structured assessment with these sections: ## 1. EMPLOYMENT AND INFRASTRUCTURE BASE Major employers, industry concentration, infrastructure pipeline, public transport. Flag any single-employer dependency. ## 2. SUPPLY AND DEMAND SIGNALS New dwelling approvals, vacancy rate signals, days-on-market trend, auction clearance rate if metro, population trend. ## 3. LENDER APPETITE FLAGS Flag any of: high-density postcode restrictions, regional postcode LVR caps, mining or resort town classification, oversupply flags, serviced apartment restrictions. Note: lender policies vary and change — verify with your broker. ## 4. RISK OVERLAY FLAGS Flood zone, bushfire zone, industrial proximity, flight path, environmental issues. Note: require council confirmation. ## 5. SUBURB SUMMARY What this suburb is suited for, what buyer and investor profiles fit it, and what the key risk to verify is. ## 6. QUESTIONS TO VERIFY The five things about this suburb I can't answer from available data that I should verify before committing. Educational analysis only. Not financial advice. Verify all assumptions with qualified professionals.
Your first run is fine. Your fifth is sharp.
Add local agent feedback
After speaking to local agents, update the prompt with current days-on-market and listing volumes to calibrate the supply signals.
Cross-reference with broker policy sheets
Add your broker's specific lender restrictions to the prompt context to automatically filter out restricted postcodes.
Keep vacancy rates updated
Ensure vacancy rate inputs are from the latest monthly SQM Research reports to detect shifting rental demand early.
Save this risk scanner in your Claude Project. Run it on every target postcode. Keep a record of flagged postcodes to track where lender policy might limit your options.
What it still gets wrong.
Postcode-level lender restrictions require broker verification
AI can flag that a postcode category exists as a potential lender restriction area. Only your broker, checking with specific lenders against the specific property, can tell you whether a restriction actually applies and at what LVR.
Supply pipeline data goes stale quickly
Dwelling approvals, development applications, and new project launches change constantly. The supply signals in this output are a starting point, not a live picture. Verify with council and local agents.
Risk overlay flags require council confirmation
Flood zone, bushfire zone, industrial proximity, and environmental overlay information requires confirmation from the relevant council and state authority. This prompt flags categories to investigate — it does not replace a formal overlay check.
Suburb performance is not property performance
A suburb with strong fundamentals can still contain individual properties that perform poorly. This is a suburb-level screen. Day 01 is the property-level screen. Run both.
How this stacks.
Day 05 scans the suburb risks. Day 01 screens the property. Day 04 stress-tests the cash flow. Stack them to ensure your local assumptions match credit policies.
Before you buy in a suburb.
You'll know the flags that credit assessors use to restrict lending.
You'll understand which property types can trip lender restrictions — high-density developments, oversupply postcodes, LVR-capped regional areas — so you can raise them with your broker before you commit. General information to prepare you, not lender or property advice.
Borrowing Power Reality Check
Your gross income divided by six is not your borrowing capacity. Serviceability buffers, HECS treatment, rental income shading, credit card exposure, and living expense assessments all affect the number. This prompt maps each variable.
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