Question: how do you work out lenders mortgage insurance?
Answer: Find out the loan-to-value, or LTV, ratio of your house. ... 
450,000 / 500,000 = 0.9.
0.9 X 100 = 90 percent LTV.
Look at the lender's PMI table. ... 
Multiply your mortgage loan by your specific PMI rate according to the lender's chart.