Estimate the lenders mortgage insurance premium on an Australian home loan. Enter the loan amount and property value; the calculator returns the LVR, the deposit implied, and an indicative premium banded by both loan size and LVR — the two variables insurers actually price on. LMI is waived at or below 80% LVR and is generally unavailable at 99% or above, and the calculator says so rather than inventing a figure. Useful for buyers weighing whether to save a larger deposit and brokers showing the cost of crossing an LVR threshold.