Lenders Mortgage Insurance Estimator

What this calculator assumes

• No LMI is payable at or below an 80% LVR, the threshold held in our shared rate file and current as at July 2026.
• The premium is indicative only — it is drawn from representative rates for each LVR band and the actual premium varies by insurer, lender, loan size, loan purpose and borrower type.
• Assumes an owner-occupier applicant with no professional waiver, family guarantee or government guarantee scheme place.
• Any stamp duty on the LMI premium and the interest cost of capitalising it onto the loan are excluded.
• Rates and thresholds current as at July 2026.

This calculator provides a general estimate only. It is not personal financial, credit or taxation advice and does not take your objectives, financial situation or needs into account. Counting Beans A.F. provides financial advice under AFSL 491754 (D&M Financial Services Pty Ltd) and credit assistance under Credit Representative number 528884. Please read our Financial Services Guide and Credit Guide, and speak with us before acting on any result.