LMI Calculator

Estimate Lenders Mortgage Insurance (LMI) and see its impact on your loan and repayments.

SECTION 0: Quick Actions
Live

Tip: All values recalculate instantly. Use Copy Results for a quick summary.

SECTION 1: Property & Deposit (AUD)

LMI is typically required when LVR > 80%. This tool provides an estimate only.

SECTION 2: Loan & Repayments

Repayments shown are monthly.

SECTION 3: LMI Estimate Method

Auto Estimate Table (read-only)

Deterministic estimate rates (% of base loan). Actual premiums vary by lender/insurer.

LVR Bracket ≤ 300k 300–600k 600k–1m 1m–1.5m
SECTION 4: LMI Payment Option
Capitalise LMI into loan i

ON by default (common). Turn OFF to show upfront LMI due.

SECTION 5: Eligibility & Notes

Disclaimer (estimate-only): LMI premiums vary by lender, insurer, occupation, and policy.