The Property Nerds

·S4 E40

These Jobs Get 95% Loans With No LMI… Are You On The List?

March 3
23 mins

Episode Description

Are you on the list of professionals who can borrow at 90-95% with no LMI?



Most property investors assume they need a 20% deposit.



Many wait years to avoid Lenders Mortgage Insurance. But in 2026, there are dozens of professions quietly accessing high-leverage loans without paying a cent in LMI.



Doctors know.Some lawyers know.Most investors don’t.



In this episode of The Property Nerds, we break down how LMI actually works, which jobs qualify for waivers, and when paying LMI might actually make you more money.



We unpack:



  1. The professions eligible for 90-95% LMI waivers
  2. Why banks offer waivers to certain industries
  3. The partial LMI refund strategy most investors don’t know about
  4. When to stop using high leverage in your portfolio
  5. A real whiteboard comparison: 90% waiver vs 97% with LMI



If you’re building your first property, scaling your 3rd, or trying to move faster without waiting years to save a deposit, this episode will change how you think about leverage.



Because in Australia, property isn’t just about price, it’s about finance strategy.



Timestamps:



02:15 - What Lenders Mortgage Insurance Actually Is

05:40 - The Partial LMI Refund Most Investors Miss

08:50 - Professions That Qualify for 95% Loans

12:10 - Government Schemes & First Home Buyer Guarantees

16:05 - 90% Waiver vs 97% With LMI

18:45 - When Paying LMI Makes Financial Sense

20:10 - When to Ditch the LMI Waiver Strategy

21:30 - Scaling Beyond Your First 2-3 Properties



Whether you’re trying to enter the market sooner, stretch your deposit further, or optimise your finance strategy for long term scaling, this is an episode you need to hear.



CONNECT WITH THE PROPERTY NERDS:

Instagram:https://www.instagram.com/thepropertynerdspodcast/


TikTok: https://www.tiktok.com/@thepropertynerdspodcast


CONNECT WITH FOURACRE FINANCIAL:

Instagram:https://www.instagram.com/fouracre.financial/


Linkedin: https://www.linkedin.com/company/fouracre-financial/


Website: https://fouracrefinancial.com.au/

CONNECT WITH ARJUN:


Instagram: https://www.instagram.com/arjpaliwal/


Linkedin: https://www.linkedin.com/in/propertybuyersagent/

CONNECT WITH INVESTORKIT:

Instagram: https://www.instagram.com/investorkit.com.au/


Linkedin: https://www.linkedin.com/company/investorkit/


Website: https://www.investorkit.com.au/

This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

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