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Glossary 

Genuine Savings

Lenders consider a number of things when assessing whether or not you can demonstrate a history of 'genuine savings', including:

Lenders Mortgage Insurance

Lenders' mortgage insurance protects your lender in the unfortunate event of you defaulting on your home loan. When lenders agree to lend a customer money, there is a small risk that they won't get the money back if the customer is not able to meet the repayments. Although they have the house as security, if property values decline that security may not be enough to cover the outstanding loan when the lender comes to sell it.

LVR (Loan to Value Ratio)

The term LVR is an acronym for Loan to Value Ratio and is also sometimes referred to as ‘LTV’.The LVR is the amount you are borrowing, represented as a percentage of the value of the property being used as security for the loan.Lenders place a large emphasis on the LVR when assessing your loan application. The lower the LVR, the lower the risk is to the bank.

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