Who are they?

• Professions for which LMI is not waived.
• Strong earning capacity (individually or as a couple).
• Secure employment with low risk of redundancy.
• May be their first or second home.

Why do they need us?

• They have a high salary but limited savings due to student debt, rent, or lifestyle expenses.
• They can afford repayments but don’t want to waste money on LMI fees.
• They expect salary increases, bonuses, or lump sum income (e.g., inheritance, stock options).

Who are they are?

• Mid-20s to late 30s, buying their first home.
• Mid-tier income earning (single or combined as a couple).
• Working in industries like finance, technology, education, or healthcare.

Why they need us?

• They have 5-10% of the deposit saved but can’t reach the full 20% required to avoid LMI.
• They prefer buying now instead of waiting years to save the remaining deposit.
• They want to avoid high upfront LMI costs and have flexibility to refinance.

Who are they?

• Mid-30s to 40s, already own a home but need a larger property.
• Strong earning capacity (individually or as a couple).

Why do they need us?

• They can afford repayments but prefer a smarter alternative to LMI.