Deal of the Week: High Loan-to-Value Ratio (LVR) Loans.

Deal of the Week: High Loan-to-Value Ratio (LVR) Loans.

Key Points – Deal of the Week

✅ Client Profile:

• High-income couples who don’t qualify for Housing Australia schemes.

• Looking for a home worth $ 800 K+ in a major city like Perth or Brisbane.

• Struggling with deposit requirements or mortgage insurance costs.

✅ Solution 1 – 20/80 Loan Structure:

• First 20% deposit loan from a lender at 13.5% interest (avoids LMI but has a deposit premium).

• Includes a free buyer’s agent to help find the right property.

• The remaining 80% loan was financed separately at a much lower 5.69% interest rate.

• Strategy:

  • Once the home increases in value (after ~1 year), use equity to pay off the 20% loan faster.