Calculators
LMI Calculator
Estimate Lenders Mortgage Insurance premiums for high-LVR residential lending.
Loan and property details
LMI typically applies when you borrow more than 80% of the property value.
Loan-to-value ratio (LVR):
Your LVR is at or below 80%, so LMI is typically not required.
Most lenders cap standard LMI policies at 95% LVR. Borrowing above this threshold may not be available without a guarantor or specialist product.
Estimated LMI premium
Indicative onlyat approximately % of the loan amount no LMI required at this LVR
LVR
%
Deposit
Indicative only — actual premium depends on insurer. LMI is provided by a small number of underwriters (such as Helia and QBE) and each lender negotiates its own premium schedule. Your final premium will also depend on borrower type, employment status, property type, and whether the premium is capitalised onto the loan. Talk to your broker for an exact quote.
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