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Qualifying For This Offer
To access this exclusive 95% no LMI home loan, you’ll need to meet the lender’s key eligibility criteria. These criteria typically include income, credit history, and property requirements designed to ensure you can comfortably service the loan.
Our Mortgage Experts at Simple Easy Finance will review your financials, assess your borrowing capacity, and confirm whether you qualify for this high-LVR, no Lenders Mortgage Insurance offer— helping you move forward with confidence.
Security Value + Post Code Eligibility Requirements
The property(s) must serve as standard residential security and be located in one of the 145 eligible postcodes. Refer to the postcode table below for details.
Meet the Minimum and Maximum Loan Amount
Minimum borrowing amount= $2M
Maximum borrowing amount= $4.75M
*There are 10 exceptional postcodes where maximum borrowing is at $5.7M and 6 postcodes with maximum borrowing at $7.6M. See table below.
Meet Servicing and Lenders Risk Profile
The Lender will assess your income and credit profile to ensure that you meet their low-risk borrower profile.
Buy Your Dream Home Faster and Save Thousands on Lender Mortgage Insurance
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The table below shows your LMI savings at 95% LVR with this offer
Loan Amount | LMI Saving at 95% LVR |
|---|---|
$2,000,000 | $85,168 |
$2,500,000 | $106,460 |
$3,000,000 | $127,752 |
$3,500,000 | $149,044 |
$4,000,000 | $178,536 |
$4,500,000 | $182,403 |
Eligible Post Codes
The lender’s eligible postcode list is divided into three tiers, each with different maximum security values based on property type and location. Most eligible postcodes allow a maximum security value of $5 million for houses, duplexes, and townhouses, and $4 million for apartments.
A select group of postcodes has higher limits, including:
-
10 postcodes with a maximum security value of $6 million
-
6 premium postcodes with a maximum security value of $8 million
To qualify for this offer, your minimum loan amount must be $2 million, regardless of postcode. This helps ensure the loan meets the lender’s high-value lending criteria.
NSW | |||||
|---|---|---|---|---|---|
2000 | 2038 | 2068 | 2096 | 2119 | 2158 |
2010 | 2039 | 2069 | 2097 | 2121 | 2159 |
2011 | 2040 | 2070 | 2099 | 2122 | 2178 |
2018 | 2041 | 2072 | 2100 | 2125 | 2203 |
2021 | 2045 | 2073 | 2101 | 2126 | 2219 |
2022 | 2046 | 2074 | 2102 | 2130 | 2221 |
2025 | 2047 | 2075 | 2103 | 2132 | 2224 |
2026 | 2048 | 2076 | 2104 | 2134 | 2229 |
2031 | 2049 | 2084 | 2105 | 2135 | 2230 |
2032 | 2060 | 2085 | 2106 | 2136 | 2481 |
2033 | 2061 | 2087 | 2107 | 2137 | 2515 |
2034 | 2064 | 2089 | 2111 | 2138 | 2600 |
2035 | 2065 | 2092 | 2112 | 2154 | 2063 |
2036 | 2066 | 2093 | 2113 | 2156 | 2612 |
2037 | 2067 | 2094 | 2114 | 2157 | 2748 |
VIC | |||||
|---|---|---|---|---|---|
3002 | 3103 | 3127 | 3146 | 3188 | 3916 |
3008 | 3104 | 3141 | 3161 | 3191 | 3929 |
3040 | 3122 | 3143 | 3184 | 3193 | 3933 |
3052 | 3123 | 3144 | 3185 | 3206 | 3943 |
3068 | 3124 | 3145 | 3187 | 3232 | 3944 |
3101 | 3126 |
WA | |||
|---|---|---|---|
6009 | 6011 | 6012 | 6015 |
QLD | ||
|---|---|---|
4005 | 4007 | 4155 |
Maximum Security Value
Maximum Loan Value
Apartments
House | Duplex | Townhouse
S4,000,000
$5,000,000
S3,800,000
$4,750,000
Maximum Security Value
Maximum Loan Value
House | Duplex | Townhouse
S6,000,000
S5,700,000
NSW | |||||
|---|---|---|---|---|---|
2024 | 2029 | 2063 | 2090 | 2095 | 2110 |
2028 | 2062 | 2071 |
VIC |
|---|
3186 |
Maximum Security Value
Maximum Loan Value
House | Duplex | Townhouse
S8,000,000
S7,600,000
NSW | ||||
|---|---|---|---|---|
2023 | 2027 | 2030 | 2088 | 2108 |
VIC |
|---|
3142 |
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