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Compute Your Lenders Mortgage Insurance (LMI) at 90% LVR 1. What Are LMI and LVR? Lenders Mortgage Insurance (LMI) is a premium charged by lenders when your Loan-to-Value Ratio (LVR) exceeds 80%. It protects the lender if you default. LVR...
Brenda’s Path to Financing a $700,000 Home Securing a property in today’s market demands precise financial planning. Brenda aims to buy a $700,000 non-SMSF home, and with a solid strategy, it’s within reach. Brenda’s Financial Snapshot With a primary PAYG...
Maximizing Simon’s Borrowing Power for a $700,000 Investment Property Simon is 62 and has a combined annual income of $109,200: $52,000 from employment, $36,400 from income protection, and $20,800 from renting a granny flat. He owns a Mudgereeba home valued...
Estimating John's Borrowing Capacity and Equity Utilization To determine how John can tap into the $430,000 equity in his caretaker unit before selling his business in December 2025, we reviewed his income, expenses and property details. At age 60, John...
Estimating Tom’s Borrowing Power and Investment Strategy We’ve assessed Tom’s financial situation—$95,000 annual income, $20,000 in savings, a $40,000 personal loan and a $40,000 credit-card limit—to determine his borrowing capacity in Australia. At current serviceability rates, Tom could potentially borrow...
Three-Property Investment Plan for Jennifer & George Jennifer and George aim to acquire three investment properties in Ormeau (QLD) or nearby within three years. With a combined gross income of $187,000, $70,000 in savings, $1,600/week rent, a $30,000 car loan,...
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