Smart Property Investment Podcast Network

In this episode of The Property Nerds, co-hosts Arjun Paliwal and Adrian Lee from InvestorKit, and Jack Fouracre from Fouracre Financial, unpack the often-overlooked world of Lenders Mortgage Insurance (LMI) – and the surprising ways investors can avoid it altogether. The trio demystifies LMI, typically required when buyers have less than a 20 per cent deposit, and reveals how select professions can borrow up to 95 per cent of a property’s value without paying a cent in LMI. From doctors and lawyers to pilots, train drivers, and even media personalities, a wide range of Australians could be eligible for these little-known waivers, potentially saving $12,000 to $20,000 on a $600,000 purchase. But the conversation goes deeper. Adrian breaks down the opportunity cost of waiting to save a full deposit, showing how a two-year delay could cost investors $60,000 in capital growth. Instead, entering the market earlier, even with LMI, can fast-track wealth creation. The episode also explores government-backed schemes