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Written rather than syndicated. If something here doesn't answer your question, ask me directly.
LMI isn't a penalty, it's a risk premium. Here's what it actually costs, when it's worth paying, and the three routes around it.
The answer depends less on rate forecasts than on how much certainty your household budget needs. A framework rather than a prediction.
Co-ownership, leasing and cost-plus arrangements, compared without the jargon and without the sales pitch.
Plenty of buyers bid at auction believing they're covered. Here's exactly where pre-approval stops.
Add-backs, retained profits and averaging. The same financials can support very different numbers.
It feels efficient at the time. The difficulty shows up when you want to sell one property or release equity.
