Disclaimer

This disclaimer applies to all content and information provided on the LMI Waiver Australia website (lmiwaiver.com.au), operated by LMI Waiver Australia.

1. General Information Only

The information on this website is provided for general informational and educational purposes only. It is not intended to be, and should not be relied upon as, personal financial advice, credit advice, legal advice, tax advice, or a recommendation for any specific loan product, lender, or course of action.

All content — including articles, guides, calculators, savings estimates, eligibility tools, and profession-specific information — has been prepared without taking into account your individual objectives, financial situation, or needs.

Before making any financial decisions, we strongly recommend that you:

• Speak with a qualified mortgage broker to receive advice tailored to your circumstances
• Read the relevant Product Disclosure Statement (PDS) and loan contract terms from the lender
• Seek independent financial, legal, or taxation advice where appropriate

2. No Guarantee of LMI Waiver or Loan Approval

LMI Waiver Australia helps professionals explore their eligibility for Lenders Mortgage Insurance waivers and connects them with suitable lenders. However, we do not and cannot guarantee:

• That you will be eligible for an LMI waiver with any lender
• That any loan application will be approved
• That specific interest rates, loan amounts, or loan terms will be available to you
• That savings estimates shown on this website will reflect your actual savings

LMI waiver eligibility and loan approval are determined by individual lenders based on their own policies and assessment criteria, which may include your profession, income level, employment status, credit history, loan-to-value ratio, property type, and property location. These policies can change at any time without notice.

3. Interest Rates, Fees, and Lender Policies

Interest rates, fees, charges, and lender policies mentioned on this website are subject to change without notice. The rates and terms displayed may not be available at the time you apply, and the rates you are offered may differ based on your individual circumstances.

Comparison rates and example repayments are provided for illustrative purposes only. Always confirm current rates, fees, and terms directly with the relevant lender or through our brokers before making any decisions.

4. Profession-Specific Information

Information about which professions qualify for LMI waivers, and the specific criteria that apply, is based on our understanding of lender policies at the time of writing. Different lenders have different lists of qualifying professions, income thresholds, LVR caps, and other requirements. This information is provided as a general guide and may not be current or complete.

5. Accuracy and Currency of Information

We make reasonable efforts to ensure the information on this website is accurate, current, and complete. However, the mortgage and finance industry is constantly evolving, and we do not warrant that all information is free from errors, current at the time you access it, or comprehensive.

To the extent permitted by law, LMI Waiver Australia accepts no responsibility for any errors, omissions, or inaccuracies in the content on this website.

6. Limitation of Liability

To the maximum extent permitted by Australian law, LMI Waiver Australia, its directors, officers, employees, and agents will not be liable for any loss, damage, cost, or expense (whether direct, indirect, consequential, or incidental) arising from or in connection with your use of, or reliance on, any information on this website.

This limitation does not exclude any rights you have under the Australian Consumer Law that cannot be excluded or limited by law.

7. Third-Party Links and Content

This website may contain links to third-party websites, including lender websites, government agencies, and industry bodies. These links are provided for your convenience and reference only. We do not control, endorse, or accept responsibility for the content or availability of any third-party website.

8. Testimonials and Reviews

Any testimonials, reviews, or case studies displayed on this website reflect the individual experiences of those clients. Results vary from person to person, and past outcomes are not a guarantee of future results. Savings figures mentioned in testimonials are specific to those individuals and may not be achievable for all applicants.

9. Calculators and Tools

Any calculators, estimators, or interactive tools on this website are provided for illustrative and educational purposes only. The results generated by these tools are estimates based on the information you enter and should not be relied upon as accurate calculations of your actual costs, savings, or loan terms.

10. Regulatory Information

LMI Waiver Australia operates under the National Consumer Credit Protection Act 2009 (Cth) and complies with ASIC regulatory requirements, including the Best Interests Duty that requires us to act in the best interests of our clients when providing credit assistance.

We are a member of the Australian Financial Complaints Authority (AFCA), an independent external dispute resolution scheme approved by ASIC. If you have a complaint about our services that we have not been able to resolve, you can contact AFCA:

• Phone: 1800 931 678
• Website: afca.org.au

11. Copyright

All content on this website is protected by copyright. You may view and print content for personal, non-commercial use only. Reproduction, distribution, or use of any content for commercial purposes without our prior written consent is prohibited.

12. Contact Us

If you have any questions about this disclaimer, please contact us:

LMI Waiver Australia
Suite 1, Level 9, 283 George St
Sydney, NSW 2000
Email: info@lmiwaiver.com.au