Terms and Conditions

Welcome to lmiwaiver.com.au. This website is operated by LMI Waiver Australia.

By accessing and using this website, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you should not use this website.

1. About Our Services

LMI Waiver Australia is a mortgage broking service that specialises in helping Australian professionals obtain Lenders Mortgage Insurance (LMI) waivers on home loans. Our services include:

• Assessing your eligibility for LMI waivers based on your profession and financial circumstances
• Comparing loan products across more than 50 Australian lenders
• Preparing and submitting home loan applications on your behalf
• Providing guidance throughout the loan application and settlement process

Our service is provided at no cost to you. We receive a commission from the lender when your loan settles. Full details of our commission arrangements are disclosed in our Credit Guide, which will be provided to you before we provide any credit assistance.

2. Important Notice — Not Personal Financial Advice

The information provided on this website is general in nature and is intended for informational purposes only. It does not constitute personal financial advice, credit advice, or a recommendation for any particular product, lender, or course of action.

The content on this website has been prepared without taking into account your individual objectives, financial situation, or needs. Before making any decisions about home loans, LMI waivers, or any financial product, you should:

• Consider whether the information is appropriate for your circumstances
• Read the relevant Product Disclosure Statement (PDS) and loan terms from the lender
• Seek independent financial, legal, or taxation advice if needed

When you engage our services directly, we will assess your individual circumstances and provide credit assistance tailored to your situation, in accordance with our responsible lending obligations under the National Consumer Credit Protection Act 2009.

3. Credit Guide

Before we provide you with credit assistance, we are required by law to provide you with a Credit Guide. The Credit Guide contains important information about who we are and our authorisations, the types of credit assistance we can provide, how we are paid (including lender commissions and any fees), our panel of lenders, and how we handle complaints.

You can request a copy of our Credit Guide at any time by contacting us.

4. No Guarantee of Loan Approval or LMI Waiver

While we will make every effort to help you obtain an LMI waiver and secure a suitable home loan, we cannot and do not guarantee:

• That you will be approved for any loan
• That you will qualify for an LMI waiver with any particular lender
• That specific interest rates, fees, or loan terms will be available to you
• That the outcome of your application will be favourable

Loan approval and LMI waiver eligibility are ultimately determined by the lender based on their own assessment criteria, which may include your income, employment status, credit history, property type, loan-to-value ratio, and other factors. Lender policies and criteria can change at any time without notice.

5. Your Responsibilities

When using our services or this website, you agree to:

• Provide accurate, complete, and current information in any forms, enquiries, or applications
• Notify us promptly if any information you have provided changes
• Not provide false or misleading information (providing false or misleading information in connection with a credit application may constitute fraud and is an offence under Australian law)
• Use this website only for lawful purposes and in accordance with these terms

You acknowledge that we rely on the information you provide to assess your eligibility and prepare loan applications. We are not responsible for any adverse outcomes that result from inaccurate or incomplete information provided by you.

6. Accuracy of Website Content

We make reasonable efforts to ensure the information on this website is accurate and up to date. However, the mortgage and lending market changes frequently, and we do not warrant that all information is current, complete, or free from errors. Information about specific lender policies, interest rates, fees, and eligibility criteria is provided as a general guide only and may change without notice.

7. Intellectual Property

All content on this website — including text, graphics, logos, images, and design — is the property of LMI Waiver Australia or our licensors and is protected by Australian and international copyright and intellectual property laws. You may view and print content for personal, non-commercial use only. You must not reproduce, republish, or distribute any content without our prior written consent.

8. Third-Party Links

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

9. Limitation of Liability

To the maximum extent permitted by law, we do not accept liability for any loss, damage, cost, or expense (whether direct, indirect, incidental, consequential, or special) arising from or in connection with your use of this website, reliance on any information contained on this website, or any services we provide.

Nothing in these terms is intended to exclude, restrict, or modify any rights you may have under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010) or any other statutory rights that cannot be excluded by law.

10. Privacy

Your use of this website and any personal information you provide to us is governed by our Privacy Policy, which forms part of these Terms and Conditions.

11. Modifications to These Terms

We reserve the right to update or modify these Terms and Conditions at any time. Changes will be effective when posted on this website. Your continued use of this website after any changes constitutes your acceptance of the updated terms.

12. Governing Law

These Terms and Conditions are governed by the laws of New South Wales, Australia. You agree to submit to the exclusive jurisdiction of the courts of New South Wales in respect of any proceedings arising out of or in connection with these terms.

13. Contact Us

If you have any questions about these Terms and Conditions, please contact us:

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