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Lenders Mortgage Insurance

When buying a new home you will generally need a 20% deposit towards the full purchase price of your property, which includes all additional costs like stamp duty and legal fees.

If you don't have a 20% deposit, most lenders (including Queenslanders) will require that you take out Lenders Mortgage Insurance (LMI). 

LMI protects the lender, not the borrower, against loss or default on the loan. The insurance premium is based upon the amount you need to borrow, and this one-off cost may be added to your loan or paid separately before settlement.

What it means for you 

Obtaining LMI means you may be eligible for a loan to purchase the property you want sooner, without waiting to save the total deposit usually required.

You’ll just need to consider if you’re comfortable borrowing extra money to pay the premium. 

Our home loan specialists will advise you during the application process whether or not LMI is required. They can also advise on Mortgage Protection Insurance, which is something you might like to consider for cover in the event of sickness, disability, unemployment and death.

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