Finance advice

Portability could push LMI premiums up: Genworth

By webmaster

Making Lenders Mortgage Insurance (LMI) fully portable could do more harm than good, Genworth Mortgage Insurance's chief executive Ellie Comerford has claimed.

According to Ms Comerford Treasurer Wayne Swan’s proposal to make LMI transferable for borrowers would not work for a couple of reasons.

“While nothing is impossible, we are regulated by the Australian Prudential Regulation Authority and they require us to hold capital on each loan. If a borrower was to refinance their whole loan dollar for dollar and retain the same LVR, we would have no problem making LMI fully portable,” she said.

“However, this is rarely the case. Often borrowers refinance for more than the original loan and/or take out a higher LVR, which changes the risk profile of the loan. When the risk profile changes, we are required to hold capital against the loan.”

Ms Comerford said changes to the status quo could result in LMI premium increases for all home buyers due to these regulatory capital requirements.

“LMI has worked incredibly well for many years, so why fix what’s not broken,” she said.

“The fact is, a degree of LMI portability already exists in Australia.”

According to Ms Comerford, refund schedules for LMI are currently in force in the Australian market.

Ms Comerford also said despite arguments to the contrary, LMI is not a deterrent to switching banks.

“LMI does not serve as a barrier to consumer switching lenders. We have helped more 100,000 first home buyers into their properties since the government introduced its FHB incentives. We want to put people into their dream homes, not stop them,” she said.

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Tune in to the latest episode of Property Showcase, the podcast with the inside track on the products and businesses that will help turbocharge your portfolio, maximise returns and make your overall investment experience seamless and stress-free!

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To hear more about these services, make sure to tune into this episode of Property Showcase!

 Make sure you never miss an episode by subscribing to us now on iTunes!

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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.

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.

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In this episode of the Smart Property Investment Show, Katarina joins host Tim Neary to unpack her entry into the property market and experiences of rentvesting, and how the Smart Property Investment Show was vital  in a number of decisions which she made along the way.

Katarina discusses about the team that she had help her along the way, why she thinks that you should never skimp on a good solicitor and accountant, and the red flags which tell her why buying a new property doesn’t necessarily mean buying a better property.

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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The different reasons to start rentvesting

 

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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Why buying new property doesn’t mean buying better property

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