No Lenders Mortgage Insurance Home Loans
At KVM Finance, we’ve partnered with leading lenders to offer no LMI (Lender’s Mortgage Insurance) loans exclusively for professionals. Why? Because professionals are considered low-risk borrowers due to their stable careers and strong earning potential, allowing lenders to waive LMI and offer more competitive loan terms.
With our no-LMI home loans, you can borrow up to 90% of the property’s value without paying LMI. And if you’re a doctor, you may be eligible to borrow up to 95% LVR (Loan-to-Value Ratio)—meaning you could purchase a home with just a 5% deposit while avoiding LMI altogether!
Flexible Savings Options: No More “Genuine Savings” Concerns
For many first-time buyers, strict savings requirements can be a major hurdle. Most lenders demand “genuine savings”, meaning you must show a consistent savings history over several months. But what if your deposit comes from a family gift, inheritance, or the sale of an asset?
With our no LMI loans, we offer greater flexibility by accepting non-genuine savings as part of your deposit. This makes qualifying for a home loan much easier, especially if you haven’t built a long-term savings record.
Lender Conditions May Vary – Get Expert Guidance!
While no LMI loans are accessible to many professionals, lender policies differ. Some may have specific requirements for employment length, minimum income, or eligible professions. That’s where KVM Finance comes in!
Our expert mortgage brokers will compare lender options, explain any conditions, and help you secure the best loan tailored to your needs—ensuring a smooth and stress-free application process. Get in touch today!
45+ Australian Lenders
We work with over 45 Australian lenders, both large and small, ensuring you get the best deal with complete peace of mind.
A team of industry pros to guide you each step of the way
Most people find that mortgage financing is complicated and confusing. We help you buy your dream home by simplifying the mortgage financing process with personalized loan options that save you time and money.
Frequently Asked Questions
We provide a range of home loan options, including first-home buyer loans, investment property loans, construction loans, and low-doc loans for self-employed individuals. Our team helps you find the best fit based on your financial situation.
Refinancing involves switching your current home loan to a new lender or loan product to secure lower interest rates, better terms, or access to equity. It can help you save on repayments, consolidate debt, or fund renovations.
Yes, we assist with bridging loans, which provide short-term funding to help you buy a new property before selling your existing one, ensuring a smooth transition between homes.
If you're paying high interest rates, struggling with repayments, or looking to access equity, refinancing could be a smart move. We can review your current loan and assess whether switching would save you money or provide better benefits.
Refinancing may include exit fees, valuation fees, and loan establishment costs. However, in many cases, the long-term savings outweigh these expenses. We’ll help you calculate the total cost and find the most cost-effective option.