Lenders Mortgage Insurance

Lenders mortgage insurance faces a paradox of prosperity and peril. Claims remain benign, with an industry loss ratio hitting -8%, buoyed by reserve releases, rising house prices and resilient employment. Yet government schemes and bank waivers are systematically eroding the traditional LMI market, forcing a fundamental reckoning. Against the backdrop of high-LVR lending growing outside of insured territory and accelerating refinancing, how can LMI insurers offset their insurers offset their shrinking traditional stronghold?