The "Million Dollar" Question: How Much Can I Actually Borrow?
Determining borrowing capacity is the first real step in the home-buying journey, but it’s a bit more scientific than just multiplying your salary by a random number.
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Waived LMI means a lender does not charge Lenders Mortgage Insurance even when you’re borrowing more than 80% of a property’s value — saving you potentially thousands of dollars upfront.
Ideal for self-employed individuals, freelancers, and business owners who have solid income but can’t provide traditional payslips or tax returns. Use BAS statements, bank statements, or an accountant’s letter instead.
Buy a property with less than the standard 20% deposit — from just 2% via government-backed schemes, or 5% with most lenders. Ideal for first-home buyers, upgraders, and investors who don’t want to wait years to save.
| Scenario | Min. Deposit | LMI Waived? |
|---|---|---|
| Standard low-deposit | 5% | No |
| With guarantor | 0% | Yes |
| First Home Guarantee | 5% | Yes |
| Family Home Guarantee | 2% | Yes |
Genuine savings guide: 15–19% deposit: usually not required • 10–15%: most lenders require it • 3–5%: almost always required.
Important Disclaimer: The mortgage information above is for general educational purposes only. Lending policies, government scheme eligibility, LVR limits, LMI rules, interest rates, and deposit requirements change frequently and may have been updated since this page was last reviewed. This content does not constitute financial advice. Please reach out to our team or call 0468 886 430 for current, personalised guidance.
Stay updated with the latest news in finance, property markets, and lending strategies.
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Your local Amber Finance specialist can help you make it happen! Whether it be for your first home, commercial property, investment or business loan, we'll help you find, compare and select the right loan for your needs.