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{"sheet":"Servicing Calculator","index":0,"n_rows":81,"n_cols":27,"rows_kept":81,"cut":false,"hidden":false,"merged":[[13,5,13,6],[10,5,10,6],[72,5,72,6],[8,5,8,6],[9,5,9,6],[14,5,14,6],[16,5,16,6],[7,7,7,8],[15,5,15,6],[15,7,15,8],[19,5,19,6],[20,5,20,6],[36,7,36,8],[37,7,37,8],[38,7,38,8],[17,5,17,6],[18,5,18,6],[21,5,21,6],[3,18,3,21],[4,18,4,21],[8,17,9,17],[9,18,19,21],[20,18,52,21],[37,9,37,12],[36,9,36,12],[7,9,7,12],[4,9,4,11],[0,15,78,15],[0,2,0,13],[25,5,25,6],[57,9,57,13],[46,7,46,8],[45,5,45,6],[14,9,14,12],[16,9,16,12],[4,5,4,6],[7,5,7,6],[3,4,3,6],[24,5,24,6],[4,7,4,8],[8,7,8,8],[23,2,23,4],[80,2,80,12],[58,9,58,13],[39,9,39,12],[40,9,40,12],[41,9,41,12],[42,9,42,12],[43,9,43,12],[44,9,44,12],[73,5,73,6],[60,9,61,12],[47,7,47,8],[47,5,47,6],[39,5,39,6],[40,5,40,6],[41,5,41,6],[42,5,42,6],[79,2,79,12],[78,2,78,12],[54,2,54,12],[44,7,44,8],[59,9,59,13],[47,9,47,12],[38,9,38,12],[45,7,45,8],[46,5,46,6],[36,5,36,6],[37,5,37,6],[38,5,38,6],[40,7,40,8],[43,5,43,6],[42,7,42,8],[43,7,43,8],[39,7,39,8],[45,9,45,12],[41,7,41,8],[46,9,46,12],[44,5,44,6],[10,9,10,12],[21,7,21,8],[24,9,24,12],[25,9,25,12],[21,9,21,12],[13,9,13,12],[8,9,8,12],[9,9,9,12],[25,7,25,8],[20,9,20,12],[13,7,13,8],[10,7,10,8],[15,9,15,12],[17,7,17,8],[18,7,18,8],[19,7,19,8],[20,7,20,8],[17,9,17,12],[18,9,18,12],[19,9,19,12],[24,7,24,8],[9,7,9,8],[14,7,14,8],[16,7,16,8]]}
[]
[null,null,"Servicing Calculator",null,null,null,null,null,null," "]
[]
[null,null,"Loan details:",null,null,null,null,null,null,null,null,null,"Version 3.3     ",null,null,null," ",null,"To unlock any fields the password is"]
[null,null,"New loan amount ($)",null,null,"Interest rate (%)",null,null,null,"P&I term (mths)",null,null,null,null,null,null," ",null,"Ffederal123"]
[null,null,"Loan product",null,"Select - mandatory"]
[]
[null,null,"Applicant(s) details:",null,"Applicant 1","Applicant 2",null,"Applicant 3",null,"Applicant 4"]
[null,null,"Borrower type"]
[null,null,"Relationship status",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,"Number of dependents",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[]
[null,null,"Applicant(s) income:"]
[null,null,null,null,"Annual","Annual",null,"Annual",null,"Annual",null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,"Gross PAYG annual income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,"Bonus/commission income"]
[null,null,"Non taxable annual income"]
[null,null,"Self-employed annual income"]
[null,null,"Business NPBT",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,"Addbacks",null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,"Residential rental income"]
[null,null,"Commercial rental income"]
[]
[null,null,"Applicant(s) living expenses:",null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,"Monthly","Monthly",null,"Monthly",null,"Monthly",null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,"Total HEM category expenses"]
[null,null,"General Insurance"]
[null,null,"Groceries"]
[null,null,"Medical excl insurance"]
[null,null,"Recreation & Entertainment"]
[null,null,"Phone, internet, tech subscriptions"]
[null,null,"Transport"]
[null,null,"Public schooling"]
[null,null,"Higher Education"]
[null,null,"Principal place of residence costs"]
[null,null,"Pet Care"]
[null,null,"Total HEM expenses per person"]
[null,null,"Non HEM comparable"]
[null,null,"Private school fees"]
[null,null,"Private health cover"]
[null,null,"O/occ strata fees, land tax",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,"Child maintenance paid (CSA)"]
[null,null,"Life insurances"]
[null,null,"Investment property costs"]
[null,null,"Rent or board"]
[null,null,"2nd o/occ costs "]
[null,null,"Other"]
[null,null,"Total non-HEM living expenses",null,{"$f":"SUM(E39:E47)","v":0},{"$f":"SUM(F39:F47)","v":0},null,{"$f":"SUM(H39:H47)","v":0},null,{"$f":"SUM(J39:J47)","v":0}]
[]
[null,null,"Declared HEM expenses",null,{"$f":"'Nuts and Bolts'!B37","v":0}]
[null,null,"Declared non-HEM expenses",null,{"$f":"E48+F48+H48+J48","v":0},null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,"HEM +20%",null,{"$f":"'Nuts and Bolts'!B38","v":0}]
[null,null,"Living expenses for servicing",null,{"$f":"IF('Nuts and Bolts'!B42>0,'Nuts and Bolts'!B42,\"0\")","v":"0"}]
[]
[null,null,"Applicant(s) liabilities:  Please complete all fields below for existing debts not being paid out for all applicants combined.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,"Total credit card limits"]
[]
[null,null,"Existing other loans ",null,"Current balance","Rate","Mthly pymt","Loan term","Ownership"]
[null,null,"Personal loan, car loan, lease"]
[null,null,"Personal loan, car loan, lease"]
[null,null,"Personal loan, car loan, lease",null,null,null,null,null,null,"Ownership % of property"]
[]
[null,null,"Existing home loans ",null,"Current balance","Rate","Mthly pymt","Loan term","Investment","App1","App2","App3","App4"]
[null,null,"Home loan"]
[null,null,"Home loan"]
[null,null,"Home loan"]
[null,null,"Home loan"]
[null,null,"Home loan"]
[null,null,"Home loan"]
[null,null,"Home loan"]
[null,null,"Home loan"]
[]
[null,null,null,null,"DTI","DSCR",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,{"$f":"IFERROR(('Nuts and Bolts'!J36),0)","v":0},{"$f":"IF('Servicing Calculator'!$E$6=\"First Choice\",'Nuts and Bolts'!P78,IF('Servicing Calculator'!$E$6=\"First Choice Plus\",'Nuts and Bolts'!P79,IF('Servicing Calculator'!$E$6=\"First Freedom\",'Nuts and Bolts'!P80,IF('Servicing Calculator'!$E$6=\"First Business 30\",'Nuts and Bolts'!P81))))","v":false}]
[]
[null,null,null,null," ",null,null,"Internal information only",null,"Max loan amount"]
[null,null,null,null,null,null,null,"Not be  included on Broker calculator",null,{"$f":"MIN('Nuts and Bolts'!J45:'Nuts and Bolts'!J46)","v":0}]
[]
[null,null,"Loans require a minimum DSCR of 1.0 and DTI < 8.0\n\n"]
[null,null,"This calculator is to be used as a guide only.  This is not an offer of credit or a quote."]
[null,null,"Lending criteria, verification of all information, terms and conditions will apply when an application is received."]

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[]
[null,"Monthly living expenses"]
[null,"Please add the individual borrowers estimated expenses below."]
[null,"Once completed the total amount for all borrowers will pre-fill on the servicing calculator)"]
[]
[]
[null,null,null,"Applicant 1","Applicant 2","Applicant 3","Applicant 4"]
[null,"Hem Comparable",null,"Monthly","Monthly","Monthly","Monthly"]
[null,"Childcare"]
[null,"Clothing & Personal Care"]
[null,"General Insurance"]
[null,"Groceries"]
[null,"Medical excl insurance"]
[null,"Recreation & Entertainment"]
[null,"Phone, internet, tech subscriptions"]
[null,"Transport"]
[null,"Public schooling"]
[null,"Higher Education"]
[null,"Principal place of residence costs"]
[null,"Pet Care"]
[null,"Total HEM expenses per person",null,{"$f":"SUM(D9:D20)","v":0},{"$f":"SUM(E9:E20)","v":0},{"$f":"SUM(F9:F20)","v":0},{"$f":"SUM(G9:G20)","v":0}]
[null,"Total HEM expenses for all applicants",null,{"$f":"D21+E21+F21+G21","v":0}]
[null,"Non HEM Comparable",null,"Monthly","Monthly","Monthly","Monthly"]
[null,"Private School Fees",null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,"Private Health Cover"]
[null,"Owner occupied Strata fees, land tax"]
[null,"Child maintenance outgoing (CSA)"]
[null,"STSL (HELP, HECS)"]
[null,"Life insurances"]
[null,"Investment Property costs"]
[null,"Investment Property utilities, rates etc"]
[null,"2nd o/occ costs eg holiday house"]
[null,"Other"]
[null,"Total HEM expenses per person",null,{"$f":"SUM(D24:D33)","v":0},{"$f":"SUM(E24:E33)","v":0},{"$f":"SUM(F24:F33)","v":0},{"$f":"SUM(G24:G33)","v":0}]
[null,"Total HEM expenses for all applicants",null,{"$f":"D34+E34+F34+G34","v":0}]

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["Income Type",null,null,null,"Frequency","Mthly Equiv","Allowed",null,null,"Total Usable","Verified By:\nSelect from the list","$","Frequency","Mthly Equiv","Allowed",null,null,"Total Usable","Verified By:\nSelect from the list","Income Type",null,null,null,"Frequency","Mthly Equiv","Allowed",null,null,"Total Usable","Verified By:\nSelect from the list",null,null,null,"Allowed",null,null,null,"Verified By:"]
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["Property (use Rental Schedule ","Rent Residential",null,{"$f":"'Servicing Calculator'!E21","v":0},"pa",{"$f":"IF(E9=\"Weekly\",(D9*52/12),IF(E9=\"Fortnightly\",(D9*26/12),IF(E9=\"PA\",(D9/12),D9)))","v":0},0.8,0.9,0.9,{"$f":"IF('Servicing Calculator'!$E$6=\"First Choice\",(F9*G9),IF('Servicing Calculator'!$E$6=\"First Choice Plus\",(F9*H9),IF('Servicing Calculator'!$E$6=\"First Freedom\",(F9*I9),IF('Servicing Calculator'!$E$6=\"First Business 30\",(F9*I9)))))","v":false},null,{"$f":"'Servicing Calculator'!F21","v":0},"pa",0,0.8,0.9,0.9,{"$f":"IF('Servicing Calculator'!$E$6=\"First Choice\",(N9*O9),IF('Servicing Calculator'!$E$6=\"First Choice Plus\",(N9*P9),IF('Servicing Calculator'!$E$6=\"First Freedom\",(N9*Q9),IF('Servicing Calculator'!$E$6=\"First Business 30\",(N9*Q9)))))","v":false},null,"Property (use Rental Schedule ",null,"Rent Residential",{"$f":"'Servicing Calculator'!H21","v":0},"pa",0,0.8,0.9,0.9,{"$f":"IF('Servicing Calculator'!$E$6=\"First Choice\",(Y9*Z9),IF('Servicing Calculator'!$E$6=\"First Choice Plus\",(Y9*AA9),IF('Servicing Calculator'!$E$6=\"First Freedom\",(Y9*AB9),IF('Servicing Calculator'!$E$6=\"First Business 30\",(Y9*AB9)))))","v":false},null,{"$f":"'Servicing Calculator'!J21","v":0},"pa",0,0.8,0.9,0.9,{"$f":"IF('Servicing Calculator'!$E$6=\"First Choice\",(AG9*AH9),IF('Servicing Calculator'!$E$6=\"First Choice Plus\",(AG9*AI9),IF('Servicing Calculator'!$E$6=\"First Freedom\",(AG9*AJ9),IF('Servicing Calculator'!$E$6=\"First Business 30\",(AG9*AJ9)))))","v":false}]
["if insufficient room)","Rent Commercial",null,{"$f":"'Servicing Calculator'!E22","v":0},"pa",0,0.8,0.9,0.9,{"$f":"IF('Servicing Calculator'!$E$6=\"First Choice\",(F10*G10),IF('Servicing Calculator'!$E$6=\"First Choice Plus\",(F10*H10),IF('Servicing Calculator'!$E$6=\"First Freedom\",(F10*I10),IF('Servicing Calculator'!$E$6=\"First Business 30\",(F10*I10)))))","v":false},null,{"$f":"'Servicing Calculator'!F22","v":0},"pa",{"$f":"IF(M10=\"Weekly\",(L10*52/12),IF(M10=\"Fortnightly\",(L10*26/12),IF(M10=\"PA\",(L10/12),L10)))","v":0},0.8,0.9,0.9,{"$f":"IF('Servicing Calculator'!$E$6=\"First Choice\",(N10*O10),IF('Servicing Calculator'!$E$6=\"First Choice Plus\",(N10*P10),IF('Servicing Calculator'!$E$6=\"First Freedom\",(N10*Q10),IF('Servicing Calculator'!$E$6=\"First Business 30\",(N10*Q10)))))","v":false},null,"if insufficient room)",null,"Rent Commercial",{"$f":"'Servicing Calculator'!H22","v":0},"pa",0,0.8,0.9,0.9,{"$f":"IF('Servicing Calculator'!$E$6=\"First Choice\",(Y10*Z10),IF('Servicing Calculator'!$E$6=\"First Choice Plus\",(Y10*AA10),IF('Servicing Calculator'!$E$6=\"First Freedom\",(Y10*AB10),IF('Servicing Calculator'!$E$6=\"First Business 30\",(Y10*AB10)))))","v":false},null,{"$f":"'Servicing Calculator'!J22","v":0},"pa",0,0.8,0.9,0.9,{"$f":"IF('Servicing Calculator'!$E$6=\"First Choice\",(AG10*AH10),IF('Servicing Calculator'!$E$6=\"First Choice Plus\",(AG10*AI10),IF('Servicing Calculator'!$E$6=\"First Freedom\",(AG10*AJ10),IF('Servicing Calculator'!$E$6=\"First Business 30\",(AG10*AJ10)))))","v":false}]
["Govt Benefits","Pension",null,{"$f":"'Servicing Calculator'!E17","v":0},"pa",0,1,1,1,{"$f":"IF('Servicing Calculator'!$E$6=\"First Choice\",(F11*G11),IF('Servicing Calculator'!$E$6=\"First Choice Plus\",(F11*H11),IF('Servicing Calculator'!$E$6=\"First Freedom\",(F11*I11),IF('Servicing Calculator'!$E$6=\"First Business 30\",(F11*I11)))))","v":false},null,{"$f":"'Servicing Calculator'!F17","v":0},"pa",{"$f":"L11/12","v":0},1,1,1,{"$f":"IF('Servicing Calculator'!$E$6=\"First Choice\",(N11*O11),IF('Servicing Calculator'!$E$6=\"First Choice Plus\",(N11*P11),IF('Servicing Calculator'!$E$6=\"First Freedom\",(N11*Q11),IF('Servicing Calculator'!$E$6=\"First Business 30\",(N11*Q11)))))","v":false},null,"Govt Benefits",null,"Pension",{"$f":"'Servicing Calculator'!H17","v":0},"pa",{"$f":"W11/12","v":0},1,1,1,{"$f":"IF('Servicing Calculator'!$E$6=\"First Choice\",(Y11*Z11),IF('Servicing Calculator'!$E$6=\"First Choice Plus\",(Y11*AA11),IF('Servicing Calculator'!$E$6=\"First Freedom\",(Y11*AB11),IF('Servicing Calculator'!$E$6=\"First Business 30\",(Y11*AB11)))))","v":false},null,{"$f":"'Servicing Calculator'!J17","v":0},"pa",{"$f":"AE11/12","v":0},1,1,1,{"$f":"IF('Servicing Calculator'!$E$6=\"First Choice\",(AG11*AH11),IF('Servicing Calculator'!$E$6=\"First Choice Plus\",(AG11*AI11),IF('Servicing Calculator'!$E$6=\"First Freedom\",(AG11*AJ11),IF('Servicing Calculator'!$E$6=\"First Business 30\",(AG11*AJ11)))))","v":false}]
["TOTAL Allowable Monthly Income",null,null,null,null,{"$f":"SUM(F4:F11)","v":0},"Total incl + interest income frm property",null,null,{"$f":"SUM(J4:J11)+'Rental Incomes'!E14-J9","v":0},"(monthly inc)",null,null,{"$f":"SUM(N4:N11)","v":0},"Totl inc incl neg gearing",null,null,{"$f":"SUM(R4:R11)+'Rental Incomes'!F14","v":0},null,"TOTAL Allowable Monthly Income",null,null,null,null,{"$f":"SUM(Y4:Y11)","v":0},"Totl inc incl neg gearing",null,null,{"$f":"SUM(AC4:AC11)+'Rental Incomes'!G14","v":0},null,null,null,{"$f":"SUM(AG4:AG11)","v":0},"Totl inc incl neg gearing",null,null,{"$f":"SUM(AK4:AK11)+'Rental Incomes'!H14","v":0}]
["Annualised",null,null,null,null,{"$f":"+F12*12","v":0},null,null,null,{"$f":"J12*12","v":0},"(annual)",null,null,{"$f":"+N12*12","v":0},null,null,null,{"$f":"R12*12","v":0},null,"Annualised",null,null,null,null,{"$f":"+Y12*12","v":0},null,null,null,{"$f":"AC12*12","v":0},null,null,null,{"$f":"+AG12*12","v":0},null,null,null,{"$f":"AK12*12","v":0}]
[null,null,"Total PAYG",null,null,{"$f":"SUM(F4:F4)","v":0},null,null,null,null,null,"Total PAYG",null,{"$f":"SUM(N4:N4)","v":0},null,null,null,null,null,null,null,null,"Total PAYG",null,{"$f":"SUM(Y4:Y4)","v":0},null,null,null,null,null,"Total PAYG",null,{"$f":"SUM(AG4:AG4)","v":0}]
[" ",null,"Total Self Employed",null,null,{"$f":"SUM(F6:F7)","v":0},null,null,null,null,null,"Total Self Employed",null,{"$f":"SUM(N6:N7)","v":0},null,null,null,null,null,null,null,null,"Total Self Employed",null,{"$f":"SUM(Y6:Y7)","v":0},null,null,null,null,null,"Total Self Employed",null,{"$f":"SUM(AG6:AG7)","v":0}]
[null,null,"TOTAL Property",null,null,{"$f":"+F9+F10","v":0},null,null," ",null,null,"TOTAL Property",null,{"$f":"+N9+N10","v":0},null,null,null,null,null,null,null,null,"TOTAL Property",null,{"$f":"+Y9+Y10","v":0},null,null,null,null,null,"TOTAL Property",null,{"$f":"+AG9+AG10","v":0}]
[null,null,"Other",null,null,{"$f":"SUM(F11:F11)","v":0},null,null,null,null,null,"Other",null,{"$f":"SUM(N11:N11)","v":0},null,null,null,null,null,null,null,null,"Other",null,{"$f":"SUM(Y11:Y11)","v":0},null,null,null,null,null,"Other",null,{"$f":"SUM(AG11:AG11)","v":0}]
["Financial Commitments",null,null,"Balance/Limit","Int Rate %","TTM, mths","Actual Monthly Payt",null,null,"Calculated based on floor rate","Buffered Mthly rpyt ","Adopted ($0 if clearing)","App 1","App2","App3",null,null,"App4"]
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[{"$f":"'Servicing Calculator'!C65","v":"Home loan"},null,null,{"$f":"IFERROR('Servicing Calculator'!E65,0)","v":0},{"$f":"'Servicing Calculator'!F65","v":0},{"$f":"'Servicing Calculator'!H65","v":0},{"$f":"'Servicing Calculator'!G65","v":0},null,null,{"$f":"IFERROR(PMT((Lookups!$B$3)/12,F20,-D20),0)","v":0},{"$f":"IF(A20=\"Home Loan\",IFERROR(PMT((E20+Lookups!$B$4)/12,F20,-D20),0),G20)","v":0},0,0]
[{"$f":"'Servicing Calculator'!C66","v":"Home loan"},null,null,{"$f":"IFERROR('Servicing Calculator'!E66,0)","v":0},{"$f":"'Servicing Calculator'!F66","v":0},{"$f":"'Servicing Calculator'!H66","v":0},{"$f":"'Servicing Calculator'!G66","v":0},null,null,{"$f":"IFERROR(PMT((Lookups!$B$3)/12,F21,-D21),0)","v":0},{"$f":"IF(A21=\"Home Loan\",IFERROR(PMT((E21+Lookups!$B$4)/12,F21,-D21),0),G21)","v":0},0,0,null,null,null,null,null,null," "]
[{"$f":"'Servicing Calculator'!C67","v":"Home loan"},null,null,{"$f":"IFERROR('Servicing Calculator'!E67,0)","v":0},{"$f":"'Servicing Calculator'!F67","v":0},{"$f":"'Servicing Calculator'!H67","v":0},{"$f":"'Servicing Calculator'!G67","v":0},null,null,{"$f":"IFERROR(PMT((Lookups!$B$3)/12,F22,-D22),0)","v":0},{"$f":"IF(A22=\"Home Loan\",IFERROR(PMT((E22+Lookups!$B$4)/12,F22,-D22),0),G22)","v":0},0,0]
[{"$f":"'Servicing Calculator'!C68","v":"Home loan"},null,null,{"$f":"'Servicing Calculator'!E68","v":0},{"$f":"'Servicing Calculator'!F68","v":0},{"$f":"'Servicing Calculator'!H68","v":0},{"$f":"'Servicing Calculator'!G68","v":0},null,null,{"$f":"IFERROR(PMT((Lookups!$B$3)/12,F23,-D23),0)","v":0},{"$f":"IF(A23=\"Home Loan\",IFERROR(PMT((E23+Lookups!$B$4)/12,F23,-D23),0))","v":0},0,0]
[{"$f":"'Servicing Calculator'!C69","v":"Home loan"},null,null,{"$f":"IFERROR('Servicing Calculator'!E69,0)","v":0},{"$f":"'Servicing Calculator'!F69","v":0},{"$f":"'Servicing Calculator'!H69","v":0},{"$f":"'Servicing Calculator'!G69","v":0},null,null,{"$f":"IFERROR(PMT((Lookups!$B$3)/12,F24,-D24),0)","v":0},{"$f":"IF(A24=\"Home Loan\",IFERROR(PMT((E24+Lookups!$B$4)/12,F24,-D24),0),G24)","v":0},0,0]
[{"$f":"'Servicing Calculator'!C70","v":"Home loan"},null,null,{"$f":"IFERROR('Servicing Calculator'!E70,0)","v":0},{"$f":"'Servicing Calculator'!F70","v":0},{"$f":"'Servicing Calculator'!H70","v":0},{"$f":"'Servicing Calculator'!G70","v":0},null,null,{"$f":"IFERROR(PMT((Lookups!$B$3)/12,F25,-D25),0)","v":0},{"$f":"IF(A25=\"Home Loan\",IFERROR(PMT((E25+Lookups!$B$4)/12,F25,-D25),0),G25)","v":0},0,0]
[{"$f":"'Servicing Calculator'!C71","v":"Home loan"},null,null,{"$f":"IFERROR('Servicing Calculator'!E71,0)","v":0},{"$f":"'Servicing Calculator'!F71","v":0},{"$f":"'Servicing Calculator'!H71","v":0},{"$f":"'Servicing Calculator'!G71","v":0},null,null,{"$f":"IFERROR(PMT((Lookups!$B$3)/12,F26,-D26),0)","v":0},{"$f":"IF(A26=\"Home Loan\",IFERROR(PMT((E26+Lookups!$B$4)/12,F26,-D26),0),G26)","v":0},0,0]
["Total C/Cards, O/d, afterpays",null,null,{"$f":"'Servicing Calculator'!E56","v":0},null,null,"N/A",null,null,"N/A",{"$f":"D27*3.8%","v":0},0,{"$f":"L27","v":0}]
["Personal loan, car loan, lease",null,null,{"$f":"IFERROR('Servicing Calculator'!E59,0)","v":0},{"$f":"IFERROR('Servicing Calculator'!F59,0)","v":0},{"$f":"IFERROR('Servicing Calculator'!H59,0)","v":0},{"$f":"IFERROR('Servicing Calculator'!G59,0)","v":0},null,null,{"$f":"IFERROR(PMT((Lookups!B3)/12,F28,-D28),0)","v":0},{"$f":"IF(A28=\"Personal loan, car loan, lease\",IFERROR(PMT((E28+Lookups!$B$4)/12,F28,-D28),0),G28)","v":0},{"$f":"IF(B19=\"Yes\",0,MAX(G28:K28))","v":0},{"$f":"IFERROR(L28,0)","v":0}]
["Personal loan, car loan, lease",null,null,{"$f":"IFERROR('Servicing Calculator'!E60,0)","v":0},{"$f":"IFERROR('Servicing Calculator'!F60,0)","v":0},{"$f":"IFERROR('Servicing Calculator'!H60,0)","v":0},{"$f":"IFERROR('Servicing Calculator'!G60,0)","v":0},null,null,{"$f":"IFERROR(PMT((Lookups!B4)/12,F29,-D29),0)","v":0},{"$f":"IF(A29=\"Personal loan, car loan, lease\",IFERROR(PMT((E29+Lookups!$B$4)/12,F29,-D29),0),G29)","v":0},{"$f":"IF(B20=\"Yes\",0,MAX(G29:K29))","v":0},{"$f":"IFERROR(L29,0)","v":0}]
["Personal loan, car loan, lease",null,null,{"$f":"IFERROR('Servicing Calculator'!E61,0)","v":0},{"$f":"IFERROR('Servicing Calculator'!F61,0)","v":0},{"$f":"IFERROR('Servicing Calculator'!H61,0)","v":0},{"$f":"IFERROR('Servicing Calculator'!G61,0)","v":0},null,null,{"$f":"IFERROR(PMT((Lookups!B5)/12,F30,-D30),0)","v":0},{"$f":"IF(A30=\"Personal loan, car loan, lease\",IFERROR(PMT((E30+Lookups!$B$4)/12,F30,-D30),0),G30)","v":0},{"$f":"IF(B21=\"Yes\",0,MAX(G30:K30))","v":0},{"$f":"IFERROR(L30,0)","v":0}]
["TOTAL FINANCIAL COMMITMENTS",null,{"$f":"SUM(C19:C30)","v":0},{"$f":"SUM(D19:D30)","v":0},null,null,{"$f":"SUM(G19:G30)","v":0},null,null,{"$f":"SUM(J19:J30)","v":0},{"$f":"IFERROR(SUM(K19:K30),0)","v":0},{"$f":"IFERROR(SUM(L19:L30),0)","v":0},{"$f":"IFERROR(SUM(M19:M30),0)","v":0},{"$f":"SUM(N19:N30)","v":0},{"$f":"SUM(O19:O30)","v":0},null,null,{"$f":"SUM(R19:R30)","v":0}]
[]
["Sum of Clearing loans",null,null,{"$f":"SUMIF(B19:B30,\"Yes\",D19:D30)","v":0},null," ",null,null,null,"Requested loan amount","Requested loan term"]
[null,null,null,null,null,null,null,null,null,{"$f":"'Servicing Calculator'!E5","v":0},{"$f":"'Servicing Calculator'!M5","v":0}]
["EXPENSES","Total","Applicant 1","Applicant 2","Applicant 3","Applicant 4",null,null,null,"DTI",null,"Summary","Total",null,"App 1",null,null,null,"App 2",null,"App 3",null,"App 4"]
["Declared HEM expenses",{"$f":"'Servicing Calculator'!E50","v":0},null,null,null,null,null," ",null,{"$f":"(D31+J34-D33)/N37","v":{"$error":"#DIV/0!"}},null,null,"Mthly","PA","Monthly",null,null,"PA","Monthly","PA","Mthly","PA","Mthly","PA"]
["TOTAL CDE",{"$f":"'Servicing Calculator'!E26+'Servicing Calculator'!F26+'Servicing Calculator'!H26+'Servicing Calculator'!J26","v":0},null,null,null,null,null,null,null,"DSCR",null,"Total Gross Income",{"$f":"+O37+S37+U37+W37","v":0},{"$f":"+R37+T37+V37+X37","v":0},{"$f":"J12","v":0},null,null,{"$f":"+O37*12","v":0},{"$f":"R12","v":0},{"$f":"+S37*12","v":0},{"$f":"AC12","v":0},{"$f":"+U37*12","v":0},{"$f":"AK12","v":0},{"$f":"+W37*12","v":0}]
["HEM - no buffer",{"$f":"R69","v":0},null," ",null,null,null,null,null,"See yellow box below",null,"Less tax incl Medicare Levy",{"$f":"+O38+S38+U38+W38","v":0},{"$f":"+R38+T38+V38+X38","v":0},{"$f":"Lookups!I20/12","v":0},null,null,{"$f":"Lookups!I20","v":0},{"$f":"Lookups!J20/12","v":0},{"$f":"Lookups!J20","v":0},{"$f":"Lookups!K20/12","v":0},{"$f":"Lookups!K20","v":0},{"$f":"Lookups!L20","v":0},{"$f":"Lookups!L20","v":0}]
["Higher of declared vs HEM +20%",{"$f":"B38","v":0},null,null,null,null,null,null,null,"NSR",null,"Post Tax Income",{"$f":"+O39+S39+U39+W39+J9","v":0},0,{"$f":"O37-O38","v":0},null,null,{"$f":"R37-R38","v":0},{"$f":"S37-S38","v":0},{"$f":"T37-T38","v":0},{"$f":"U37-U38","v":0},{"$f":"+U39*12","v":0},{"$f":"W38-W37","v":0},0]
["Use",{"$f":"MAX(B36:B39)","v":0},null,null,null,null,null,null,null,{"$f":"(J43)/(M40+M41)","v":{"$error":"#DIV/0!"}},null,"Financial Commitments",{"$f":"IFERROR(+O40+S40+U40+W40,0)","v":0},{"$f":"+R40+T40+V40+X40","v":0},{"$f":"IFERROR(M31,0)","v":0},null,null,{"$f":"+O40*12","v":0},{"$f":"N31","v":0},{"$f":"+S40*12","v":0},{"$f":"O31","v":0},0,{"$f":"R31","v":0},0]
["Total NonHEM Comp Exp's",{"$f":"'Servicing Calculator'!E51","v":0},null,null,null,null,null,null,null,null,null,"Proposed Commitments",{"$f":"+O41+S41+U41+W41","v":0},0,{"$f":"C62","v":0},null,null,{"$f":"+O41*12","v":0},{"$f":"D62","v":0},{"$f":"+S41*12","v":0},{"$f":"E62","v":0},0,{"$f":"F62","v":0},0]
["TOTAL EXPENSES",{"$f":"_xlfn.IFS('Servicing Calculator'!E6=\"First Choice\",('Nuts and Bolts'!B40+B41),'Servicing Calculator'!E6=\"First Choice Plus\",('Nuts and Bolts'!B40+B41),'Servicing Calculator'!E6=\"First Freedom\",('Nuts and Bolts'!B40+B41),'Servicing Calculator'!E6=\"Select - mandatory\",0,'Servicing Calculator'!E6=\"\",0,'Servicing Calculator'!E6=\"First Business 30\",'Nuts and Bolts'!B37+B41)","v":0},null,null,null,null,null,null,null,null,null,"CDE/HEM Expenses- higher of",null,{"$f":"+R42+T42+V42+X42","v":0},{"$f":"B40","v":0},null,null,{"$f":"+O42*12","v":0},{"$f":"MAX(D40)","v":0},{"$f":"+S42*12","v":0},{"$f":"MAX(E40)","v":0},0,{"$f":"MAX(F40)","v":0},0]
[null,null,null,null,null,null,null," ",null,null,null,"Non HEM Expenses",null,0,{"$f":"B41","v":0},null,null,{"$f":"+O43*12","v":0},{"$f":"D42","v":0},{"$f":"+S43*12","v":0},{"$f":"E42","v":0},0,{"$f":"F42","v":0},0]
[null,null,null,null,null,null,null,null,null,null,null,"Total Expenses",{"$f":"+O44+S44+U44+W44","v":0},0,{"$f":"SUM(O40:O43)","v":0},null,null,{"$f":"SUM(R40:R43)","v":0},{"$f":"SUM(S40:S43)","v":0},{"$f":"SUM(T40:T43)","v":0},{"$f":"SUM(U40:U43)","v":0},0,0,0]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Surplus/Deficit.",{"$f":"+O46+S46+U46+W46","v":0},{"$f":"+R46+T46+V46+X46","v":0},{"$f":"+O39-O44","v":0},null,null,{"$f":"+O46*12","v":0},{"$f":"+S39-S44","v":0},{"$f":"+S46*12","v":0},{"$f":"+U39-U44","v":0},{"$f":"+U46*12","v":0},{"$f":"+W39-W44","v":0},{"$f":"+W46*12","v":0}]
[]
[null,null,null,null,null,null,null,null,null,"HEM Estimator"]
[null,null,null,null,null,null,null,null,null,null,"Date",null,null,"App 1","App 2","App 3","App 4","Total"]
[null,null,null,null,null,null,null,null,null,"HEM Basic","2026-05-01"]
[null,null,null,null,null,null,null,null,null,null,"Weekly","Monthly"]
[null,null,null,null,null,null,null,null,null,"Couple",822,{"$f":"(K52*52)/12","v":3562},{"$f":"L52","v":3562},{"$f":"IF(N$71=$J52,$M52,0)*N$72","v":0},0,0,0,{"$f":"SUM(N52:Q52)","v":0}]
[null,null,null,null,null,null,null,null,null,"Couple with 1 child",1066,{"$f":"(K53*52)/12","v":4619.333333333333},{"$f":"L53","v":4619.333333333333},0,0,0,0,{"$f":"SUM(N53:Q53)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,"Couple with 2 children",1137,{"$f":"(K55*52)/12","v":4927},{"$f":"L55","v":4927},{"$f":"IF(N$71=$J55,$M55,0)*N$72","v":0},0,0,0,{"$f":"SUM(N55:Q55)","v":0}]
[null,null,null,null,null,null,null,null,null,"Couple with 3 children",1235,{"$f":"(K56*52)/12","v":5351.666666666667},{"$f":"L56","v":5351.666666666667},0,0,0,0,{"$f":"SUM(N56:Q56)","v":0}]
[null,null,null,null,null,null,null,null,null,"Couple with 4 children",1360,{"$f":"(K57*52)/12","v":5893.333333333333},{"$f":"L57","v":5893.333333333333},0,0,0,0,{"$f":"SUM(N57:Q57)","v":0}]
[null,null,null,null,null,null,null,null,null,"Couple with more than 4 children",null,null,null,{"$f":"IF(AND('Servicing Calculator'!E10<>\"Single\",'Servicing Calculator'!E11>4),'Nuts and Bolts'!$M$57,0)*'Nuts and Bolts'!N$72","v":0},{"$f":"IF(AND('Servicing Calculator'!F10<>\"Single\",'Servicing Calculator'!F11>4),'Nuts and Bolts'!$M$57,0)*'Nuts and Bolts'!N$72","v":0},{"$f":"IF(AND('Servicing Calculator'!H10<>\"Single\",'Servicing Calculator'!H11>4),'Nuts and Bolts'!$M$57,0)*'Nuts and Bolts'!P$72","v":0},{"$f":"IF(AND('Servicing Calculator'!J10<>\"Single\",'Servicing Calculator'!J11>4),'Nuts and Bolts'!$M$57,0)*'Nuts and Bolts'!Q$72","v":0},{"$f":"SUM(N58:Q58)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,"Single person",385,{"$f":"(K60*52)/12","v":1668.3333333333333},{"$f":"L60","v":1668.3333333333333},{"$f":"IF(N$71=$J60,$M60,0)*N$72","v":0},0,0,0,{"$f":"SUM(N60:Q60)","v":0}]
[null,null,null,null,null,null,null,null,null,"Single parent with 1 child",525,{"$f":"(K61*52)/12","v":2275},{"$f":"L61","v":2275},0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,"Single parent with 2 children",619,{"$f":"(K62*52)/12","v":2682.3333333333335},{"$f":"L62","v":2682.3333333333335},0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,"Single parent with 3 children",712,{"$f":"(K63*52)/12","v":3085.3333333333335},{"$f":"L63","v":3085.3333333333335},0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,"Single parent with 4 children",837,{"$f":"(K64*52)/12","v":3627},{"$f":"L64","v":3627},0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,"Single parent with more than 4 children",null,null,null,{"$f":"IF(AND('Servicing Calculator'!E10=\"single\",'Servicing Calculator'!E11>4),'Nuts and Bolts'!$M$64,0)*'Nuts and Bolts'!N$72","v":0},{"$f":"IF(AND('Servicing Calculator'!F10=\"single\",'Servicing Calculator'!F11>4),'Nuts and Bolts'!$M$64,0)*'Nuts and Bolts'!N$72","v":0},{"$f":"IF(AND('Servicing Calculator'!H10=\"single\",'Servicing Calculator'!H11>4),'Nuts and Bolts'!$M$64,0)*'Nuts and Bolts'!P$72","v":0},{"$f":"IF(AND('Servicing Calculator'!J10=\"single\",'Servicing Calculator'!J11>4),'Nuts and Bolts'!$M$64,0)*'Nuts and Bolts'!Q$72","v":0},0]
[]
[null,null,null,null,null,null,null,null,null,"Any additional children (each)",125,{"$f":"K67*52/12","v":541.66666666666663},{"$f":"L67","v":541.66666666666663},{"$f":"IF('Servicing Calculator'!E11<4,0,'Nuts and Bolts'!$M$67*('Servicing Calculator'!E11-4))*N72","v":0},{"$f":"IF('Servicing Calculator'!F11<4,0,'Nuts and Bolts'!$M$67*('Servicing Calculator'!F11-4))*O72","v":0},{"$f":"IF('Servicing Calculator'!H11<4,0,'Nuts and Bolts'!$M$67*('Servicing Calculator'!H11-4))*P72","v":0},{"$f":"IF('Servicing Calculator'!J11<4,0,'Nuts and Bolts'!$M$67*('Servicing Calculator'!J11-4))*Q72","v":0},{"$f":"SUM(N67:Q67)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,"Grand Total",null,null,null,null,null,null,null,{"$f":"SUM(R52:R67)","v":0}]
[null,null,"First Choice loans",null,null,null,null,null,null,null,null,null,"Result Returned",{"$f":"IF(ISBLANK('Servicing Calculator'!E10),0,(IF('Servicing Calculator'!E11>4,0,(IF('Servicing Calculator'!E11=0,VLOOKUP('Servicing Calculator'!E10,Lookups!$A$32:$D$62,2,FALSE),VLOOKUP('Servicing Calculator'!E10,Lookups!$A$32:$D$62,3,FALSE))))))","v":0},{"$f":"IF(ISBLANK('Servicing Calculator'!F10),0,(IF('Servicing Calculator'!F11>4,0,(IF('Servicing Calculator'!F11=0,VLOOKUP('Servicing Calculator'!F10,Lookups!$A$32:$D$62,2,FALSE),VLOOKUP('Servicing Calculator'!F10,Lookups!$A$32:$D$62,3,FALSE))))))","v":0},{"$f":"IF(ISBLANK('Servicing Calculator'!H10),0,(IF('Servicing Calculator'!H11>4,0,(IF('Servicing Calculator'!H11=0,VLOOKUP('Servicing Calculator'!H10,Lookups!$A$32:$D$62,2,FALSE),VLOOKUP('Servicing Calculator'!H10,Lookups!$A$32:$D$62,3,FALSE))))))","v":0},{"$f":"IF(ISBLANK('Servicing Calculator'!J10),0,(IF('Servicing Calculator'!J11>4,0,(IF('Servicing Calculator'!J11=0,VLOOKUP('Servicing Calculator'!J10,Lookups!$A$32:$D$62,2,FALSE),VLOOKUP('Servicing Calculator'!J10,Lookups!$A$32:$D$62,3,FALSE))))))","v":0}]
["Bsuiness 30",null,"Actual commitment",null,"Buffered Commitment ",null,"Floor Rate Commitment",null,null,null,null,null,null,{"$f":"IF(N70=0,0,(IF('Servicing Calculator'!E11=1,'Nuts and Bolts'!N70&\" with \"&\"1 child\",IF('Servicing Calculator'!E11=0,'Nuts and Bolts'!N70,'Nuts and Bolts'!N70&\" with \"&'Servicing Calculator'!E11&\" children\"))))","v":0},{"$f":"IF(O70=0,0,(IF('Servicing Calculator'!F11=1,'Nuts and Bolts'!O70&\" with \"&\"1 child\",IF('Servicing Calculator'!F11=0,'Nuts and Bolts'!O70,'Nuts and Bolts'!O70&\" with \"&'Servicing Calculator'!F11&\" children\"))))","v":0},{"$f":"IF(P70=0,0,(IF('Servicing Calculator'!H11=1,'Nuts and Bolts'!P70&\" with \"&\"1 child\",IF('Servicing Calculator'!H11=0,'Nuts and Bolts'!P70,'Nuts and Bolts'!P70&\" with \"&'Servicing Calculator'!H11&\" children\"))))","v":0},{"$f":"IF(Q70=0,0,(IF('Servicing Calculator'!J11=1,'Nuts and Bolts'!Q70&\" with \"&\"1 child\",IF('Servicing Calculator'!J11=0,'Nuts and Bolts'!Q70,'Nuts and Bolts'!Q70&\" with \"&'Servicing Calculator'!J11&\" children\"))))","v":0}]
["Actual Commitment",{"$f":"D96","v":0},"Annual %",{"$f":"'Servicing Calculator'!H5","v":0},"Annual %",{"$f":"D72+2%","v":0.02},"Annual %",null,null,{"$f":"Lookups!B3","v":0.05},null,null,"Weighting",{"$f":"IF(ISBLANK('Servicing Calculator'!E10),0,VLOOKUP('Servicing Calculator'!E10,Lookups!$A$32:$D$62,4,FALSE))","v":0},{"$f":"IF(ISBLANK('Servicing Calculator'!F10),0,VLOOKUP('Servicing Calculator'!F10,Lookups!$A$32:$D$62,4,FALSE))","v":0},{"$f":"IF(ISBLANK('Servicing Calculator'!H10),0,VLOOKUP('Servicing Calculator'!H10,Lookups!$A$32:$D$62,4,FALSE))","v":0},{"$f":"IF(ISBLANK('Servicing Calculator'!J10),0,VLOOKUP('Servicing Calculator'!J10,Lookups!$A$32:$D$62,4,FALSE))","v":0}]
["Including CLF Commitment",{"$f":"F96","v":0},"Loan term (years)",{"$f":"D74/12","v":0},"Loan term (years)",{"$f":"F74/12","v":0},"Loan term (years)",null,null,{"$f":"J74/12","v":0},null," "]
[null,null,"No of payments",{"$f":"K34","v":0},"No of payments",{"$f":"K34","v":0},"No of payments",null,null,{"$f":"K34","v":0}]
[null,null,"Loan amount",{"$f":"J34","v":0},"Loan amount",{"$f":"J34","v":0},"Loan amount",null,null,{"$f":"J34","v":0}]
[]
["Status",null,"Monthly payment",{"$f":"-IFERROR(PMT(D72/12,D74,D75),0)","v":0},"Monthly payment",{"$f":"-IFERROR(PMT(F72/12,F74,F75),0)","v":0},"Monthly payment",null,null,{"$f":"-IFERROR(PMT(J72/12,J74,J75),0)","v":0},null,null,"Repayment for servicing","HEM Expenses","Non-HEM Expenses","DSCR"]
["Single",null,null,null,null,null,null,null,null,null,null,"First Choice",{"$f":"F77","v":0},{"$f":"B40","v":0},{"$f":"B41","v":0},{"$f":"IF(($M$40+M78+O78)=0,\"\",($M$39-N78)/($M$40+M78+O78))","v":""}]
["Spouse of another applicant",null,"First Choice Plus & First Freedom loans",null,null,null,null,null,null,null,null,"First Choice plus",{"$f":"F86","v":0},{"$f":"B40","v":0},{"$f":"B41","v":0},{"$f":"IF(($M$40+M79+O79)=0,\"\",($M$39-N79)/($M$40+M79+O79))","v":""}]
["Spouse to non-applicant",null,"Actual commitment",null,"Buffered Commitment ",null,"Floor Rate Commitment",null,null,null,null,"First Freedom",{"$f":"F86","v":0},{"$f":"N79","v":0},{"$f":"B41","v":0},""]
[null,null,"Annual %",{"$f":"'Servicing Calculator'!H5","v":0},"Annual %",{"$f":"D81+2%","v":0.02},"Annual %",null,null,{"$f":"Lookups!B3","v":0.05},null,"First Business30",{"$f":"F96","v":0},{"$f":"N78","v":0},{"$f":"B41","v":0},""]
["Interest rate monthly",null,"Loan term (years)",{"$f":"D83/12","v":0},"Loan term (years)",{"$f":"F83/12","v":0},"Loan term (years)",null,null,{"$f":"J83/12","v":0}]
[{"$f":"'Servicing Calculator'!H5/12","v":0},null,"No of payments",{"$f":"K34","v":0},"No of payments",{"$f":"K34","v":0},"No of payments",null,null,{"$f":"K34","v":0}]
[null,null,"Loan amount",{"$f":"J34","v":0},"Loan amount",{"$f":"J34","v":0},"Loan amount",null,null,{"$f":"J34","v":0}]
[]
[null,null,"Monthly payment",{"$f":"-IFERROR(PMT(D81/12,D83,D84),0)","v":0},"Monthly payment",{"$f":"-IFERROR(PMT(F81/12,F83,F84),0)","v":0},"Monthly payment",null,null,{"$f":"-IFERROR(PMT(J81/12,J83,J84),0)","v":0}]
[]
[]
[null,null,"Non-Code loans"]
[null,null,"Actual commitment",null,"Commitment including CLF"]
[null,null,"Annual %",{"$f":"'Servicing Calculator'!H5","v":0},"Annual %",{"$f":"'Servicing Calculator'!H5:I5+Lookups!B12","v":1.2E-2},1.2E-2]
[null,null,"Loan term (years)",{"$f":"D93/12","v":0},"Loan term (years)",{"$f":"F93/12","v":0}]
[null,null,"No of payments",{"$f":"K34","v":0},"No of payments",{"$f":"K34","v":0}]
[null,null,"Loan amount",{"$f":"J34","v":0},"Loan amount",{"$f":"J34","v":0}]
[]
[null,null,"Monthly payment",{"$f":"-IFERROR(PMT(D91/12,D93,D94),0)","v":0},"Monthly payment",{"$f":"-IFERROR(PMT(F91/12,F93,F94),0)","v":0}]
[]
[]
[null,null,null,null,"b51",{"$f":"IF('Servicing Calculator'!E6=\"First Choice\",MAX(B37:B38),IF('Servicing Calculator'!E6=\"First Choice Plus\",MAX(B37:B38),IF('Servicing Calculator'!E6=\"First Freedom\",MAX(B37,#REF!))))","v":false},null,null,null,"Changes made fro Westpac"]
[null,null,null,null,"b54",{"$f":"IF('Servicing Calculator'!E6=\"First Choice\",(B38+B41),IF('Servicing Calculator'!E6=\"First Choice Plus\",(B38+B41),IF('Servicing Calculator'!E6=\"First Freedom\",(#REF!+B41))))","v":false},null,null,null,"Shading on resi rental income"]
[null,null,null,null,null,null,null,null,null,"Shading on commercial rental income"]
[null,null,null,null,null,null,null,null,null,"Shading on bonus/comms"]
[null,null,null,null,null,null,null,null,null,"DSCR on man calc page"]
[null,null,null,null,null,null,null,null,null,"Version number"]
[null,null,null,null,null,null,null,null,null,"HEM buffer removed"]
[null,null,null,null,null,null,null,null,null,"Prime buffered commitment dropped from 3-2%"]

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["Decision & Control Parameters",null,null,"Valuations",null,null,null,"Tax Tables","2022/23","Tax Rate","Threshold","App 1","App 2","App 3","App 4"]
["Interest Rates","PA","Mthly","AVM",null,null,null,0,18200,0,0,0,0,0,0]
["Floor",0.05,{"$f":"+B3/12","v":4.1666666666666666E-3},"Max FSD",15,"Upgrade to DT",null,18201,45000,0.16,{"$f":"(I3-H3)*J3","v":4287.84},{"$f":"IF(OR(I$11=0,I$11<$H3),0,IF(I$11>$I3,$K3,(I$11-$H3)*$J3))","v":0},{"$f":"IF(OR(J$11=0,J$11<$H3),0,IF(J$11>$I3,$K3,(J$11-$H3)*$J3))","v":0},0,0]
["Buffer",0.02,{"$f":"+B4/12","v":1.6666666666666668E-3},"Desktop",null,null,null,45001,135000,0.3,{"$f":"(I4-H4)*J4","v":26999.7},{"$f":"IF(OR(I$11=0,I$11<$H4),0,IF(I$11>$I4,$K4,(I$11-$H4)*$J4))","v":0},0,0,0]
["Revolving",3.7999999999999999E-2,3.1666666666666666E-3,"Max Ppty Risk",750,"Upgrade to Full Val",null,135001,190000,0.37,20349.63,0,0,0,0]
["Actual Interest rate",{"$f":"'Servicing Calculator'!H5","v":0},0,"Max Market Risk",750,"Upgrade to Full Val",null,190001,null,0.45,null,{"$f":"IF(OR(I$11=0,I$11<H5),0,IF(I$11>$I5,(I$11-$I5)*$J6,0))","v":0},{"$f":"IF(OR(J$11=0,J$11<I5),0,IF(J$11>$I5,(J$11-$I5)*$J6,0))","v":0},0,0]
["HEM Buffer",1,null,"Full Inspection",null,null,null,"Total Tax",null,null,null,{"$f":"SUM(L2:L6)","v":0},{"$f":"SUM(M2:M6)","v":0},0,0]
["Min Acceptable Credit Score",650,null,"Risk Ratings",5," dual sign off required",null,"Medicare Levy",0.02]
["Max Loan Amount",3000000]
["Max TAE",5000000,null,null,null,null,null,"Working","App 1","App 2","App 3","App 4"]
["First Choice buffer",0.03,null,null,null,null,null,"Tax Income",{"$f":"'Nuts and Bolts'!R37","v":0},{"$f":"'Nuts and Bolts'!T37","v":0},{"$f":"'Nuts and Bolts'!V37","v":0},{"$f":"'Nuts and Bolts'!X37","v":0}]
["CLF",1.2E-2,null,null,null,null,null,"Highest Tax Bracket",{"$f":"LOOKUP(I$11,mins,results)","v":0},{"$f":"LOOKUP(J$11,mins,results)","v":0},{"$f":"LOOKUP(K$11,mins,results)","v":0},{"$f":"LOOKUP(L$11,mins,results)","v":0}]
[null,null,null,null,null,null,null,"Tax Bracket (Inc Medicare Levy)",{"$f":"IF(I12=0,0,(I12+$I$8))","v":0},{"$f":"IF(J12=0,0,(J12+$I$8))","v":0},0,0]
[]
[null,null,null,null,null,null,null,"Tax Payable",{"$f":"L7","v":0},{"$f":"M7","v":0},0,0]
[]
[null,null,null,null,null,null,null,"Medicare Levy",{"$f":"+I11*$I$8","v":0},{"$f":"+J11*$I$8","v":0},{"$f":"+K11*$I$8","v":0},{"$f":"+L11*$I$8","v":0}]
[null,null,null,null,null,null,null,"Total Payable",{"$f":"SUM(I12:I17)","v":0},{"$f":"SUM(J12:J17)","v":0},{"$f":"SUM(K12:K17)","v":0},0]
[null,null,null,null,null,null,null,"Tax Deduction",{"$f":"-'Rental Incomes'!E13*I13","v":0},{"$f":"-'Rental Incomes'!F13*J13","v":0},{"$f":"-'Rental Incomes'!G13*K13","v":0},{"$f":"-'Rental Incomes'!H13*L13","v":0}]
[null,null,null,null,null,null,null,"Net Tax Payable",{"$f":"SUM(I18:I19)","v":0},{"$f":"SUM(J18:J19)","v":0},0,0]
[]
[]
[]
[null,null,null,null,null,null,null,"TO UNLOCK ANY FIELDS"]
[null,null,null,null,null,null,null,"FFederal123"]
[]
[]
[]
[]
[]
["Applicant Type","Nil Child","Category","Weighting",null,"Marital Status",null,"Yes/No",null,"Borrower type",null,"Loan product",null,"DSCRs"]
["Single","Single Person","Single Parent",1,null,null,null,null,null,null,null,"Select - mandatory"]
["Spouse of applicant","Couple","Couple",0.5,null,"Single",null,"Yes",null,"Individual borrower",null,"First Choice",null,1.1000000000000001]
["Spouse to non-applicant","Couple","Couple",1,null,"Spouse of applicant",null,"No",null,"Company guarantor",null,"First Choice Plus",null,1.2]
["Select",0,0,0,null,"Spouse to non-applicant",null,null,null,null,null,"First Freedom"]
[null,null,null,null,null,null,null,null,null,null,null,"First Business 30"]
[]
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{"sheet":"Rental Incomes","index":4,"n_rows":14,"n_cols":8,"rows_kept":14,"cut":false,"hidden":true,"merged":[[1,0,1,1],[2,0,2,1]]}
["Investment Property Schedule"]
[]
[]
["Existing home loans from servicing calc page","Owner(s)","Inv Loan balance","Actual Interest %","Int deduction - Applicant 1","Int deduction - Applicant 2","Int deduction - Applicant 3","Int deduction - Applicant 4"]
["Existing home loan 1","Applicant 1",{"$f":"'Servicing Calculator'!E64","v":0},{"$f":"'Servicing Calculator'!F64","v":0},{"$f":"IF('Servicing Calculator'!$I64=\"Yes\",('Rental Incomes'!$C5*'Rental Incomes'!$D5*'Servicing Calculator'!J64),0)","v":0},{"$f":"IF('Servicing Calculator'!$I64=\"Yes\",('Rental Incomes'!$C5*'Rental Incomes'!$D5*'Servicing Calculator'!K64),0)","v":0},{"$f":"IF('Servicing Calculator'!$I64=\"Yes\",('Rental Incomes'!$C5*'Rental Incomes'!$D5*'Servicing Calculator'!L64),0)","v":0},{"$f":"IF('Servicing Calculator'!$I64=\"Yes\",('Rental Incomes'!$C5*'Rental Incomes'!$D5*'Servicing Calculator'!M64),0)","v":0}]
["Existing home loan 2","Applicant 2",{"$f":"'Servicing Calculator'!E65","v":0},{"$f":"'Servicing Calculator'!F65","v":0},{"$f":"IF('Servicing Calculator'!$I65=\"Yes\",('Rental Incomes'!$C6*'Rental Incomes'!$D6*'Servicing Calculator'!J65),0)","v":0},{"$f":"IF('Servicing Calculator'!$I65=\"Yes\",('Rental Incomes'!$C6*'Rental Incomes'!$D6*'Servicing Calculator'!K65),0)","v":0},{"$f":"IF('Servicing Calculator'!$I65=\"Yes\",('Rental Incomes'!$C6*'Rental Incomes'!$D6*'Servicing Calculator'!L65),0)","v":0},{"$f":"IF('Servicing Calculator'!$I65=\"Yes\",('Rental Incomes'!$C6*'Rental Incomes'!$D6*'Servicing Calculator'!M65),0)","v":0}]
["Existing home loan 3","Applicant 3",{"$f":"'Servicing Calculator'!E66","v":0},{"$f":"'Servicing Calculator'!F66","v":0},{"$f":"IF('Servicing Calculator'!$I66=\"Yes\",('Rental Incomes'!$C7*'Rental Incomes'!$D7*'Servicing Calculator'!J66),0)","v":0},{"$f":"IF('Servicing Calculator'!$I66=\"Yes\",('Rental Incomes'!$C7*'Rental Incomes'!$D7*'Servicing Calculator'!K66),0)","v":0},{"$f":"IF('Servicing Calculator'!$I66=\"Yes\",('Rental Incomes'!$C7*'Rental Incomes'!$D7*'Servicing Calculator'!L66),0)","v":0},{"$f":"IF('Servicing Calculator'!$I66=\"Yes\",('Rental Incomes'!$C7*'Rental Incomes'!$D7*'Servicing Calculator'!M66),0)","v":0}]
["Existing home loan 4","Applicant 4",{"$f":"'Servicing Calculator'!E67","v":0},{"$f":"'Servicing Calculator'!F67","v":0},{"$f":"IF('Servicing Calculator'!$I67=\"Yes\",('Rental Incomes'!$C8*'Rental Incomes'!$D8*'Servicing Calculator'!J67),0)","v":0},{"$f":"IF('Servicing Calculator'!$I67=\"Yes\",('Rental Incomes'!$C8*'Rental Incomes'!$D8*'Servicing Calculator'!K67),0)","v":0},{"$f":"IF('Servicing Calculator'!$I67=\"Yes\",('Rental Incomes'!$C8*'Rental Incomes'!$D8*'Servicing Calculator'!L67),0)","v":0},{"$f":"IF('Servicing Calculator'!$I67=\"Yes\",('Rental Incomes'!$C8*'Rental Incomes'!$D8*'Servicing Calculator'!M67),0)","v":0}]
["Existing home loan 5","Applicant 5",{"$f":"'Servicing Calculator'!E68","v":0},{"$f":"'Servicing Calculator'!F68","v":0},{"$f":"IF('Servicing Calculator'!$I68=\"Yes\",('Rental Incomes'!$C9*'Rental Incomes'!$D9*'Servicing Calculator'!J68),0)","v":0},{"$f":"IF('Servicing Calculator'!$I68=\"Yes\",('Rental Incomes'!$C9*'Rental Incomes'!$D9*'Servicing Calculator'!K68),0)","v":0},{"$f":"IF('Servicing Calculator'!$I68=\"Yes\",('Rental Incomes'!$C9*'Rental Incomes'!$D9*'Servicing Calculator'!L68),0)","v":0},{"$f":"IF('Servicing Calculator'!$I68=\"Yes\",('Rental Incomes'!$C9*'Rental Incomes'!$D9*'Servicing Calculator'!M68),0)","v":0}]
["Existing home loan 6","Applicant 6",{"$f":"'Servicing Calculator'!E69","v":0},{"$f":"'Servicing Calculator'!F69","v":0},{"$f":"IF('Servicing Calculator'!$I69=\"Yes\",('Rental Incomes'!$C10*'Rental Incomes'!$D10*'Servicing Calculator'!J69),0)","v":0},{"$f":"IF('Servicing Calculator'!$I69=\"Yes\",('Rental Incomes'!$C10*'Rental Incomes'!$D10*'Servicing Calculator'!K69),0)","v":0},{"$f":"IF('Servicing Calculator'!$I69=\"Yes\",('Rental Incomes'!$C10*'Rental Incomes'!$D10*'Servicing Calculator'!L69),0)","v":0},{"$f":"IF('Servicing Calculator'!$I69=\"Yes\",('Rental Incomes'!$C10*'Rental Incomes'!$D10*'Servicing Calculator'!M69),0)","v":0}]
["Existing home loan 7","Applicant 7",{"$f":"'Servicing Calculator'!E70","v":0},{"$f":"'Servicing Calculator'!F70","v":0},{"$f":"IF('Servicing Calculator'!$I70=\"Yes\",('Rental Incomes'!$C11*'Rental Incomes'!$D11*'Servicing Calculator'!J70),0)","v":0},{"$f":"IF('Servicing Calculator'!$I70=\"Yes\",('Rental Incomes'!$C11*'Rental Incomes'!$D11*'Servicing Calculator'!K70),0)","v":0},{"$f":"IF('Servicing Calculator'!$I70=\"Yes\",('Rental Incomes'!$C11*'Rental Incomes'!$D11*'Servicing Calculator'!L70),0)","v":0},{"$f":"IF('Servicing Calculator'!$I70=\"Yes\",('Rental Incomes'!$C11*'Rental Incomes'!$D11*'Servicing Calculator'!M70),0)","v":0}]
["Existing home loan 8","Applicant 8",{"$f":"'Servicing Calculator'!E71","v":0},{"$f":"'Servicing Calculator'!F71","v":0},{"$f":"IF('Servicing Calculator'!$I71=\"Yes\",('Rental Incomes'!$C12*'Rental Incomes'!$D12*'Servicing Calculator'!J71),0)","v":0},{"$f":"IF('Servicing Calculator'!$I71=\"Yes\",('Rental Incomes'!$C12*'Rental Incomes'!$D12*'Servicing Calculator'!K71),0)","v":0},{"$f":"IF('Servicing Calculator'!$I71=\"Yes\",('Rental Incomes'!$C12*'Rental Incomes'!$D12*'Servicing Calculator'!L71),0)","v":0},{"$f":"IF('Servicing Calculator'!$I71=\"Yes\",('Rental Incomes'!$C12*'Rental Incomes'!$D12*'Servicing Calculator'!M71),0)","v":0}]
["TOTALS",null,{"$f":"SUM(C5:C12)","v":0},null,{"$f":"SUM(E5:E12)","v":0},{"$f":"SUM(F5:F12)","v":0},{"$f":"SUM(G5:G12)","v":0},{"$f":"SUM(H5:H12)","v":0}]
["Month",null,null,null,{"$f":"'Rental Incomes'!E13/12","v":0},{"$f":"'Rental Incomes'!F13/12","v":0},{"$f":"'Rental Incomes'!G13/12","v":0},{"$f":"'Rental Incomes'!H13/12","v":0}]