Lending tool
LMI & LVR estimator
LVR and an indicative LMI premium.
Works out the loan-to-value ratio and an indicative Lenders Mortgage Insurance premium for a purchase, and shows what happens if the premium is capitalised into the loan.
It also answers the question clients actually ask: how much more deposit would make LMI go away entirely.
What you see on screen
In the app this chart is live: every assumption is on screen, editable, and the projection moves as you change it.
Key inputs
- Property price and deposit
- Loan amount (or derived from price and deposit)
- Whether the LMI premium is capitalised
- State, for the duty on the premium
What it reports
- LVR before and after capitalising LMI
- Indicative LMI premium
- The extra deposit needed to reach an 80.00% LVR and avoid LMI
- The long-run interest cost of capitalising the premium
Insights it surfaces
Alongside the numbers, the tool writes plain-language findings you can carry straight into the conversation. Example wording, from sample figures:
At a 90.00% LVR the indicative LMI premium is $15,300; another $53,000 of deposit would avoid it entirely.
Capitalising the premium adds $28,900 of repayments over a 30 year term.
Every tool, every time
Rates and thresholds come from the verified Australian rate set for the selected financial year. Every run can be saved as a scenario against the client, exported as a client-ready PDF or an Excel workbook with live formulas, and carried into an SOA or ROA. A methodology and audit PDF documents the calculation, and every output carries the compliance block.