Finance advice
Otto Dargan

How smart investors avoid paying LMI

By Otto Dargan

How is it that some investors build a huge portfolio without paying mortgage insurance?

Blogger: Otto Dargan, director, homeloanexperts.com.au 

One of our clients has just purchased two million dollars’ worth of investment properties. He didn’t rely on his equity. He didn’t wait for capital growth. He had a deposit, but not enough to reduce his loan to 80% LVR.

And he paid no mortgage insurance. We figured out that on his portfolio this has saved him over $70,000.

Our customer was an accountant. He is one of the new types of professionals that can qualify to waive LMI with some lenders.

Doctors have been receiving these benefits for some time. However accountants, lawyers and mining engineers have just been added to the list of preferred professionals who may not need to pay LMI.

So how does it work?
You can buy your home or several investment properties. You can have interest only repayments, you can even do this with a construction loan.

The main conditions are that you must have a high income, you cannot normally borrow over 90% LVR and you can borrow up to $2,000,000 in total. Doctors may be able to borrow a little more.

What if you don’t qualify?
Then there are three other ways to buy investment properties without paying mortgage insurance. I’m going to skip the obvious option of borrowing 80% of the property value and move onto the more creative ways that you can do it.
1.    You can JV with someone who qualifies for waived LMI.
2.    You can borrow 85% with no LMI with some other lenders, irrespective of your profession.
3.    You can consider a guarantor loan for your first investment property.

And what if that STILL doesn’t work?

If you borrow less than $500,000 then LMI is relatively affordable. Under $300,000 LMI is cheap as chips. By buying lower valued properties you can borrow 95% without it costing you a fortune.

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About the Blogger

Otto Dargan

Otto Dargan

Otto Dargan is a two-time winner of St George Bank's 'Australia’s Brightest Broker' competition and the managing director of specialist mortgage broker homeloanexperts.com.au

FROM THE WEB

podcast

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With the softening market impacting property values in many parts of Australia, Sally Wood, Opteon state director for NSW, ACT and Qld joins us to discuss the importance of valuations in the current property market

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Joining host Phil Tarrant, Sally will draw on her 25 years of experience in valuation and discuss the processes involved in arriving at a value for a particular property. She will also share how that process differs between commercial and residential properties and the difficulties which regional property valuations can present.

Sally will unpack the importance and cost of regular valuations on your properties, discuss whether presentation and owner input can sway a valuation and share what you should look for when seeking a reputable property valuer.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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Sydney
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A softening market can be a difficult time for a property investor with finance approval tightening and property capital growth slowing, and while many real estate agents are also feeling the squeeze McGrath Brighton Le Sands' Bill Tsounias claims it is simply the market returning to normal.

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In this episode of the Smart Property Investment Show, Bill joins host Phil Tarrant to share his thoughts on the current Sydney property market, and to share the shifts that he has seen in house and unit sale prices following their worst quarter in the past decade.

Bill will unpack why properties are spending longer on market, share what he believes property investors are doing wrong when trying to sell their properties and share the secrets to getting the best out of a real estate agent and an auction in the current softening market.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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Gavin Kemp and his now-fiancé bought their first property together after only six months of dating. They weren’t even living together at the time. Now, two years on, the pair have bought five properties, sold two and have a solid plan in place for their ongoing property journey. 

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In this episode of the Smart Property Investment Show, Gavin joins host Phil Tarrant to discuss how he chose the locations where he decided to invest and how, due to the initial lack of education (something that he now values highly), he lost money on his first two investments.

Gavin will share his thoughts on the current property market, reveal the people who he has leaned on throughout his property journey and discuss why his strategy employs a zero procrastination rule.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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A joint property portfolio before they were even living together

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