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Graham Dossel
Company Founder and CEO

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Land Tax

Based on the property value, it is a State Government tax which is payable by the owners of the property.

Lender's Mortgage Insurance (LMI)

LMI protects a bank against potential loss in the event of default by the borrower, where the sale of a bank's security fails to clear the loan in full. The insurance protects the bank, not the borrower. In most cases, banks have a preferred LMI provider, and they will require that borrowers purchase insurance from that provider. The lender, not the borrower, arranges LMI although the borrower pays for it.

Letter Of Offer

A formal offer by a lender stating the terms under which it agrees to lend money.

Loan Repayment Capacity

The monthly fixed debt commitments divided by the monthly gross income, expressed as a percentage.

Loan-To-Value Ratio (LVR)

The ratio of the amount of a loan to the value of the security used (such as a house) to secure repayment of the loan.


The date when the debt must be repaid in full.


A legal document that gives a lender an interest in a security property and allows the lender to sell the property if the money lent is not repaid.

Mortgage Discharge Fee

The administration fee charged by the lender to cover costs when the loan is repaid. Also, a government charge on registration of a discharge.

Mortgage Insurance (MI)

See Lender's Mortgage Insurance above.