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LMI, your strategic

pathway for clients.

Accelerate your client’s property
goals with help from LMI.
Accelerate your client’s property goals with help from LMI.

LMI, your strategic

pathway for clients.

Accelerate your client’s property
goals with help from LMI.
Accelerate your client’s property goals with help from LMI.
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How Lenders Mortgage Insurance (LMI) works.


LMI is an insurance policy that a lender takes out to protect itself against the risk that the home buyer or investor default on their loan repayments and the lender is unable to recover the full outstanding loan amount from the sale of the security property.

Although LMI protects the lender, not the home buyer or investor, it plays an important role in making loans accessible, enabling clients to purchase a property sooner with less than a 20% deposit.

Positioning LMI

Introducing LMI early, alongside other pathways, helps clients compare their options and make informed decisions aligned to their long-term goals.
By positioning LMI upfront, the conversation shifts from focusing on the cost of LMI to a more important question: what is the cost of waiting?
LMI can support a broad range of clients including investors and upgraders who may benefit from entering the property market sooner.
Benefits for clients may include:

Buy now with less than a 20% deposit

Buy now with less than a 20% deposit

Start building equity in the property

Start building equity in the property

Strengthen financial wellbeing and security

Strengthen financial wellbeing and security
Help bring the buy now vs wait conversation to life with Helia’s Home Deposit Estimator to show how different deposit scenarios can help them enter the property market sooner.

Try the Home Deposit Estimator

Positioning LMI

Introducing LMI early, alongside other pathways, helps clients compare their options and make informed decisions aligned to their long-term goals.
By positioning LMI upfront, the conversation shifts from focusing on the cost of LMI to a more important question: what is the cost of waiting?
LMI can support a broad range of clients including investors and upgraders who may benefit from entering the property market sooner.
Benefits for clients may include:

Buy now with less than a 20% deposit

Buy now with less than a 20% deposit

Start building equity in the property

Start building equity in the property

Strengthen financial wellbeing and security

Strengthen financial wellbeing and security
Help bring the buy now vs wait conversation to life with Helia’s Home Deposit Estimator to show how different deposit scenarios can help them enter the property market sooner.

Try the Home Deposit Estimator

Client ready LMI resources

Resources to support and enhance client conversations.

Tools & Calculators

Estimate, compare and consider available options
Home Deposit Estimator Logo
Elevating deposit conversations
with the Home Deposit Estimator.

Bring the 'buy now vs wait' conversation to life.
Compare scenarios in real time with clients.

LMI fee estimator
LMI fee estimator

Estimate your
clients LMI fee

Servicing estimator
Servicing estimator

Understand your clients loan
servicing capacity

Flexible payment options to help you get into a home sooner.

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Frequently asked questions (FAQs).

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Copyright ©2026 Helia Group Limited ABN 72 154 890 730. All rights reserved. Contact us for more information.

Helia Group Limited acknowledges the Traditional Custodians of the lands on which we operate and pay our respects to Elders past and present. We also acknowledge the important role Aboriginal and Torres Strait Islander peoples continue to play within the communities in which we operate and where our team members reside.

Important information

The information contained on this website is general information. It does not constitute legal, tax, credit or financial advice, and is not tailored to a borrower’s specific circumstances. Borrowers should consider their own personal circumstances and seek advice from their professional advisers before making any decisions that may impact their financial position.

Helia Insurance Pty Limited’s (‘Helia’) credit activities are limited to credit activities engaged by it as an assignee in relation to providing lenders mortgage insurance (LMI) products or as a credit provider under the doctrine of subrogation in relation to providing LMI products. LMI is insurance that protects credit providers, not home buyers, and cannot be provided directly to home buyers. The information provided on this website does not refer to a credit contract with any particular credit provider.