How much is LMI in Stirling?

On the Stirling median ($850,000) with a 5% deposit, LMI is approximately $30,685. At 10% deposit it falls to roughly $16,830.

Can I avoid LMI buying in Stirling?

Yes — the federal Home Guarantee Scheme lets eligible WA first home buyers purchase in Stirling with a 5% deposit and no LMI. Professional waivers and guarantor loans are also common.

Is LMI refundable in WA?

LMI is generally non-refundable, but some lenders offer a partial refund if the loan is refinanced or paid out within the first 1–2 years. Check the specific policy with the lender at application.

LMI Calculator Stirling 2026

LMI costs in Stirling on the $850,000 median. 5%, 10%, 15% deposit scenarios calculated. WA Home Guarantee Scheme rules. Free Stirling LMI calculator for 2026.