Bushfire, flood and landslip checks in Tasmania
A hazard overlay can change your insurance premium and a lender’s answer. Check it before you offer.
Why it matters for your loan
A lender needs the property insured from settlement. If insurance is very expensive or refused, the loan can fall over. Valuers also note hazards, and some lenders reduce how much they will lend against affected properties.
Check the overlays yourself
The Tasmanian Government’s LISTmap shows planning scheme overlays for any address at no cost. Search the address, then add layers for:
- Bushfire-prone areas
- Flood-prone areas
- Landslip hazard bands
- Coastal inundation and coastal erosion
An overlay doesn’t mean the home is unsafe. It means extra planning rules apply and it is worth asking more questions.
Ask for the council certificate
Your conveyancer can order a council land information certificate, known as a 337 certificate, which lists notices, orders and known issues on the property. Combined with a building inspection, it tells you most of what you need to know.
Get an insurance quote early
Before your contract goes unconditional, get a written building insurance quote for that address. If the premium is far above what you expected, you still have time to renegotiate or walk away under your conditions.
Questions people ask
Will a bushfire overlay stop me getting a loan?
Rarely on its own. Most homes in bushfire-prone areas are financed normally. Insurance cost and the valuer’s comments are what matter.
General information, last updated November 2026. Scheme figures, lender policies and duty rates change, so confirm them before you rely on them. Sources: LISTmap.
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