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[]
[null,null,"Home Loan Serviceability Calculator"]
[null,null,"Version 6.12.2 - 28th July 2026"]
[null,null,"Net Service Ratio (NSR) Requirements (using Assessment Rate)\nAll applicantions: NSR must be ≥ 1.00 (1.25x when final LVR > 90%)\nApplicants with majority income as Government Allowances (eg. Pensions, Family Tax Benefits): NSR must be ≥ 1.25\n\n1% Interest Rate Buffer Eligibility Rules\nAllowed for the following transactions:                                                                                                       The following rules apply:\n- Purchase of an established investment property OR                                                                                - Maximum LVR is 80%, AND\n- Interest rate is FIXED across the whole loan (cash out ≤ $20,000) OR                                                  - Prime & Near Prime Clear home loan applications only\n- Refinance and established home or an established investment property loan & debt consolidation (cash out ≤ $20,000)                     \n\n\n\n\n"]
[]
[null,null,"Applicant Name"]
[]
[null,null,"Loan Details",null,null,null,"Interest Rate Buffer",{"$f":"IF(ISBLANK(I8),\"                   <Select>\",\"\")","v":"                   <Select>"}]
[null,null,"(including capitalised fees)",null,null,null,"WAVG Assessment Rate",null,{"$f":"IF(TRIM(H8)=\"<Select>\",\"<Select Int Rate Buffer>\",MAX(BaselineAssessmentRate,ResiWAVGInterestRate+I8))","v":"<Select Int Rate Buffer>"}]
[null,null,"New Loan Amount",null,null,null,"Interest Rate",5,null,null,"Loan Term",null,null,null,"IO Term"]
[null,null,"New Loan Amount"]
[null,null,"Total Loan Amount",null,{"$f":"SUM(E10:E11)","v":0},null,"WAVG Interest Rate",null,{"$f":"IF(ResiNewLoanTotalAmount=0,0,((ResiNewLoanAmount1*ResiInterestRate1)+(ResiNewLoanAmount2*ResiInterestRate2))/ResiNewLoanTotalAmount)","v":0},null,"WAVG Loan Term",null,{"$f":"IF(ResiNewLoanTotalAmount=0,0,((ResiNewLoanAmount1*ResiLoanTerm1)+(ResiNewLoanAmount2*ResiLoanTerm2))/ResiNewLoanTotalAmount)","v":0},null,"WAVG IO Term",{"$f":"IF(ResiNewLoanTotalAmount=0,0,((ResiNewLoanAmount1*ResiLoanIOTerm1)+(ResiNewLoanAmount2*ResiLoanIOTerm2))/ResiNewLoanTotalAmount)","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ResiWAVGLoanTerm>30,ResiLoanIOTerm1>0), \"Loan Terms > 30 years cannot be Interest Only\", \" \")","v":" "}]
[null,null,"Applicant Details:",null,"Applicant 1",null,"Applicant 2",null,"Applicant 3",null,"Applicant 4",null,"Applicant 5",null,"Applicant 6",null,null,"Total"]
[null,null,"Status"]
[null,null,"Individual (Couple) With","Applicant 1"]
[null,null,"Dependants"]
[null,null,null,null,{"$f":"IF(AND(SUM(E19:E23,E26:E27)<>0,E15=\"\"),\"Enter a Status\",\"\")","v":""},null,{"$f":"IF(AND(SUM(G19:G23,G26:G27)<>0,G15=\"\"),\"Enter a Status\",\"\")","v":""},null,{"$f":"IF(AND(SUM(I19:I23,I26:I27)<>0,I15=\"\"),\"Enter a Status\",\"\")","v":""},null,{"$f":"IF(AND(SUM(K19:K23,K26:K27)<>0,K15=\"\"),\"Enter a Status\",\"\")","v":""},null,{"$f":"IF(AND(SUM(M19:M23,M26:M27)<>0,M15=\"\"),\"Enter a Status\",\"\")","v":""},null,{"$f":"IF(AND(SUM(O19:O23,O26:O27)<>0,O15=\"\"),\"Enter a Status\",\"\")","v":""}]
[null,null,"Gross Annual Income"]
[" ",null,"Untaxed Allowable Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"(E20+G20+I20+K20+M20+O20)","v":0}]
[null,null,"Self Employed Income"]
[null,null,"Addbacks"]
[null,null,"Business NPBT"]
[]
[null,null,"Investments (eligible for negative gearing)"]
[null,null,"Gross Rental Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"(E26+G26+I26+K26+M26+O26)","v":0}]
[null,null,"Investment Loan Balance"]
[null,null,"Investments (NOT eligible for negative gearing)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($G$57>0,$G$57*12*(E29/SUM($E$29,$G$29,$I$29,$K$29,$M$29,$O$29)),0)","v":0}]
[null,null,"Gross Rental Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"(E29+G29+I29+K29+M29+O29)","v":0}]
[null,null,"Investment Loan Balance"]
[null,null,"Total Income",null,{"$f":"(E26+E29)*RentalIncomeShading+E19+E20+E21+E22+E23","v":0},null,{"$f":"(G26+G29)*RentalIncomeShading+G19+G20+G21+G22+G23","v":0},null,{"$f":"(I26+I29)*RentalIncomeShading+I19+I20+I21+I22+I23","v":0},null,{"$f":"(K26+K29)*RentalIncomeShading+K19+K20+K21+K22+K23","v":0},null,{"$f":"(M26+M29)*RentalIncomeShading+M19+M20+M21+M22+M23","v":0},null,{"$f":"(O26+O29)*RentalIncomeShading+O19+O20+O21+O22+O23","v":0},null,null,{"$f":"(E31+G31+I31+K31+M31+O31)","v":0}]
[null,null,"Is an Applicant",null,{"$f":"AND(E15<>\"\")","v":false},null,{"$f":"AND(G15<>\"\")","v":false},null,{"$f":"AND(I15<>\"\")","v":false},null,{"$f":"AND(K15<>\"\")","v":false},null,{"$f":"AND(M15<>\"\")","v":false},null,{"$f":"AND(O15<>\"\")","v":false}]
[null,null,"Spouse Dependants",null,{"$f":"IFERROR(HLOOKUP(E16,ResiApplicantDetailsTable,4,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(G16,ResiApplicantDetailsTable,4,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(I16,ResiApplicantDetailsTable,4,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(K16,ResiApplicantDetailsTable,4,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(M16,ResiApplicantDetailsTable,4,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(O16,ResiApplicantDetailsTable,4,FALSE),0)","v":0}]
[null,null,"Pepper Status Code","Applicant 1",{"$f":"IF(E$15=\"Individual (Couple)\",\"P-C\",IF(E$15=\"Individual (Single)\",\"P-S\",\"\"))","v":""},null,{"$f":"IF(G$15=\"Individual (Couple)\",\"P-C\",IF(G$15=\"Individual (Single)\",\"P-S\",\"\"))","v":""},null,{"$f":"IF(I$15=\"Individual (Couple)\",\"P-C\",IF(I$15=\"Individual (Single)\",\"P-S\",\"\"))","v":""},null,{"$f":"IF(K$15=\"Individual (Couple)\",\"P-C\",IF(K$15=\"Individual (Single)\",\"P-S\",\"\"))","v":""},null,{"$f":"IF(M$15=\"Individual (Couple)\",\"P-C\",IF(M$15=\"Individual (Single)\",\"P-S\",\"\"))","v":""},null,{"$f":"IF(O$15=\"Individual (Couple)\",\"P-C\",IF(O$15=\"Individual (Single)\",\"P-S\",\"\"))","v":""}]
[null,null,"Pepper Dependents Code",null,{"$f":"IF(E$15=\"Individual (Couple)\",\"P-CD\"&INDEX(Validation!$B$21:$B$26,MATCH((E$17+E$33),Validation!$A$21:$A$26,1)),IF(E$15=\"Individual (Single)\",\"P-SD\"&INDEX(Validation!$B$21:$B$26,MATCH((E$17+E$33),Validation!$A$21:$A$26,1)),\"\"))","v":""},null,{"$f":"IF(G$15=\"Individual (Couple)\",\"P-CD\"&INDEX(Validation!$B$21:$B$26,MATCH((G$17+G$33),Validation!$A$21:$A$26,1)),IF(G$15=\"Individual (Single)\",\"P-SD\"&INDEX(Validation!$B$21:$B$26,MATCH((G$17+G$33),Validation!$A$21:$A$26,1)),\"\"))","v":""},null,{"$f":"IF(I$15=\"Individual (Couple)\",\"P-CD\"&INDEX(Validation!$B$21:$B$26,MATCH((I$17+I$33),Validation!$A$21:$A$26,1)),IF(I$15=\"Individual (Single)\",\"P-SD\"&INDEX(Validation!$B$21:$B$26,MATCH((I$17+I$33),Validation!$A$21:$A$26,1)),\"\"))","v":""},null,{"$f":"IF(K$15=\"Individual (Couple)\",\"P-CD\"&INDEX(Validation!$B$21:$B$26,MATCH((K$17+K$33),Validation!$A$21:$A$26,1)),IF(K$15=\"Individual (Single)\",\"P-SD\"&INDEX(Validation!$B$21:$B$26,MATCH((K$17+K$33),Validation!$A$21:$A$26,1)),\"\"))","v":""},null,{"$f":"IF(M$15=\"Individual (Couple)\",\"P-CD\"&INDEX(Validation!$B$21:$B$26,MATCH((M$17+M$33),Validation!$A$21:$A$26,1)),IF(M$15=\"Individual (Single)\",\"P-SD\"&INDEX(Validation!$B$21:$B$26,MATCH((M$17+M$33),Validation!$A$21:$A$26,1)),\"\"))","v":""},null,{"$f":"IF(O$15=\"Individual (Couple)\",\"P-CD\"&INDEX(Validation!$B$21:$B$26,MATCH((O$17+O$33),Validation!$A$21:$A$26,1)),IF(O$15=\"Individual (Single)\",\"P-SD\"&INDEX(Validation!$B$21:$B$26,MATCH((O$17+O$33),Validation!$A$21:$A$26,1)),\"\"))","v":""}]
[null,null,"Exclude for LE calc",null,{"$f":"IFERROR(IF(MATCH(E16,$E$14:$O$14,0)<(COLUMN()-COLUMN($E$14:$O$14)+1),TRUE,FALSE),FALSE)","v":false},null,{"$f":"IFERROR(IF(MATCH(G16,$E$14:$O$14,0)<(COLUMN()-COLUMN($E$14:$O$14)+1),TRUE,FALSE),FALSE)","v":false},null,{"$f":"IFERROR(IF(MATCH(I16,$E$14:$O$14,0)<(COLUMN()-COLUMN($E$14:$O$14)+1),TRUE,FALSE),FALSE)","v":false},null,{"$f":"IFERROR(IF(MATCH(K16,$E$14:$O$14,0)<(COLUMN()-COLUMN($E$14:$O$14)+1),TRUE,FALSE),FALSE)","v":false},null,{"$f":"IFERROR(IF(MATCH(M16,$E$14:$O$14,0)<(COLUMN()-COLUMN($E$14:$O$14)+1),TRUE,FALSE),FALSE)","v":false},null,{"$f":"IFERROR(IF(MATCH(O16,$E$14:$O$14,0)<(COLUMN()-COLUMN($E$14:$O$14)+1),TRUE,FALSE),FALSE)","v":false}]
[null,null,"Workings for Negative Gearing",null,{"$f":"IF(E27>0,E27*WorkingsForNegativeGearing+(IF(E27>0,$G$56*12*(E27/SUM($E$27,$G$27,$I$27,$K$27,$M$27,$O$27)),0)),0)","v":0},null,{"$f":"IF(G27>0,G27*WorkingsForNegativeGearing+(IF(G27>0,$G$56*12*(G27/SUM($E$27,$G$27,$I$27,$K$27,$M$27,$O$27)),0)),0)","v":0},null,{"$f":"IF(I27>0,I27*WorkingsForNegativeGearing+(IF(I27>0,$G$56*12*(I27/SUM($E$27,$G$27,$I$27,$K$27,$M$27,$O$27)),0)),0)","v":0},null,{"$f":"IF(K27>0,K27*WorkingsForNegativeGearing+(IF(K27>0,$G$56*12*(K27/SUM($E$27,$G$27,$I$27,$K$27,$M$27,$O$27)),0)),0)","v":0},null,{"$f":"IF(M27>0,M27*WorkingsForNegativeGearing+(IF(M27>0,$G$56*12*(M27/SUM($E$27,$G$27,$I$27,$K$27,$M$27,$O$27)),0)),0)","v":0},null,{"$f":"IF(O27>0,O27*WorkingsForNegativeGearing+(IF(O27>0,$G$56*12*(O27/SUM($E$27,$G$27,$I$27,$K$27,$M$27,$O$27)),0)),0)","v":0}]
[null,null,"Total Taxable Income Exc Business NPBT",null,{"$f":"MAX(0,(E19+E21-E37+(E26*RentalIncomeShading)+(IF(E29>0,MAX(0,(E29*RentalIncomeShading-(E30*WorkingsForNegativeGearing)-($G$57*12*(E29/SUM($E$29,$G$29,$I$29,$K$29,$M$29,$O$29))))),0))))","v":0},null,{"$f":"MAX(0,(G19+G21-G37+(G26*RentalIncomeShading)+(IF(G29>0,MAX(0,(G29*RentalIncomeShading-(G30*WorkingsForNegativeGearing)-($G$57*12*(G29/SUM($E$29,$G$29,$I$29,$K$29,$M$29,$O$29))))),0))))","v":0},null,{"$f":"MAX(0,(I19+I21-I37+(I26*RentalIncomeShading)+(IF(I29>0,MAX(0,(I29*RentalIncomeShading-(I30*WorkingsForNegativeGearing)-($G$57*12*(I29/SUM($E$29,$G$29,$I$29,$K$29,$M$29,$O$29))))),0))))","v":0},null,{"$f":"MAX(0,(K19+K21-K37+(K26*RentalIncomeShading)+(IF(K29>0,MAX(0,(K29*RentalIncomeShading-(K30*WorkingsForNegativeGearing)-($G$57*12*(K29/SUM($E$29,$G$29,$I$29,$K$29,$M$29,$O$29))))),0))))","v":0},null,{"$f":"MAX(0,(M19+M21-M37+(M26*RentalIncomeShading)+(IF(M29>0,MAX(0,(M29*RentalIncomeShading-(M30*WorkingsForNegativeGearing)-($G$57*12*(M29/SUM($E$29,$G$29,$I$29,$K$29,$M$29,$O$29))))),0))))","v":0},null,{"$f":"MAX(0,(O19+O21-O37+(O26*RentalIncomeShading)+(IF(O29>0,MAX(0,(O29*RentalIncomeShading-(O30*WorkingsForNegativeGearing)-($G$57*12*(O29/SUM($E$29,$G$29,$I$29,$K$29,$M$29,$O$29))))),0))))","v":0},null,null,{"$f":"(E38+G38+I38+K38+M38+O38)","v":0}]
[null,null,"Spouse Income",null,{"$f":"IFERROR(HLOOKUP(E16,$E$14:$O$31,ROWS($E$14:$O$31),FALSE),0)-IFERROR(HLOOKUP(E16,$E$14:$O$37,ROWS($E$14:$O$37),FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(G16,$E$14:$O$31,ROWS($E$14:$O$31),FALSE),0)-IFERROR(HLOOKUP(G16,$E$14:$O$37,ROWS($E$14:$O$37),FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(I16,$E$14:$O$31,ROWS($E$14:$O$31),FALSE),0)-IFERROR(HLOOKUP(I16,$E$14:$O$37,ROWS($E$14:$O$37),FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(K16,$E$14:$O$31,ROWS($E$14:$O$31),FALSE),0)-IFERROR(HLOOKUP(K16,$E$14:$O$37,ROWS($E$14:$O$37),FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(M16,$E$14:$O$31,ROWS($E$14:$O$31),FALSE),0)-IFERROR(HLOOKUP(M16,$E$14:$O$37,ROWS($E$14:$O$37),FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(O16,$E$14:$O$31,ROWS($E$14:$O$31),FALSE),0)-IFERROR(HLOOKUP(O16,$E$14:$O$37,ROWS($E$14:$O$37),FALSE),0)","v":0}]
[null,null,"Income Bracket",null,{"$f":" IFERROR(HLOOKUP(E31+E39-E37-(E30*WorkingsForNegativeGearing)-(IF($G$57>0,$G$57*12*(E29/SUM($E$29,$G$29,$I$29,$K$29,$M$29,$O$29)),0)),HemCombinedIncomeRange,3,TRUE),1)","v":1},null,{"$f":" IFERROR(HLOOKUP(G31+G39-G37-(G30*WorkingsForNegativeGearing)-(IF($G$57>0,$G$57*12*(G29/SUM($E$29,$G$29,$I$29,$K$29,$M$29,$O$29)),0)),HemCombinedIncomeRange,3,TRUE),1)","v":1},null,{"$f":" IFERROR(HLOOKUP(I31+I39-I37-(I30*WorkingsForNegativeGearing)-(IF($G$57>0,$G$57*12*(I29/SUM($E$29,$G$29,$I$29,$K$29,$M$29,$O$29)),0)),HemCombinedIncomeRange,3,TRUE),1)","v":1},null,{"$f":" IFERROR(HLOOKUP(K31+K39-K37-(K30*WorkingsForNegativeGearing)-(IF($G$57>0,$G$57*12*(K29/SUM($E$29,$G$29,$I$29,$K$29,$M$29,$O$29)),0)),HemCombinedIncomeRange,3,TRUE),1)","v":1},null,{"$f":" IFERROR(HLOOKUP(M31+M39-M37-(M30*WorkingsForNegativeGearing)-(IF($G$57>0,$G$57*12*(M29/SUM($E$29,$G$29,$I$29,$K$29,$M$29,$O$29)),0)),HemCombinedIncomeRange,3,TRUE),1)","v":1},null,{"$f":" IFERROR(HLOOKUP(O31+O39-O37-(O30*WorkingsForNegativeGearing)-(IF($G$57>0,$G$57*12*(O29/SUM($E$29,$G$29,$I$29,$K$29,$M$29,$O$29)),0)),HemCombinedIncomeRange,3,TRUE),1)","v":1}]
[null,null,"Tax",null,{"$f":"IF(E15=\"Company\",E38*CompanyTax,INDEX(TaxForBracket,MATCH(E38,TaxBracketMin,1))+INDEX(TaxRate,MATCH(E38,TaxBracketMin,1))*(E38-INDEX(TaxBracketMin,MATCH(E38,TaxBracketMin,1)))+IF(E38<='Tax Table'!$B$6,0,IF(E38<='Tax Table'!$B$7,(E38-'Tax Table'!$B$6)*'Tax Table'!$C$6,E38*'Tax Table'!$C$7)))+(E23*CompanyTax)","v":0},null,{"$f":"IF(G15=\"Company\",G38*CompanyTax,INDEX(TaxForBracket,MATCH(G38,TaxBracketMin,1))+INDEX(TaxRate,MATCH(G38,TaxBracketMin,1))*(G38-INDEX(TaxBracketMin,MATCH(G38,TaxBracketMin,1)))+IF(G38<='Tax Table'!$B$6,0,IF(G38<='Tax Table'!$B$7,(G38-'Tax Table'!$B$6)*'Tax Table'!$C$6,G38*'Tax Table'!$C$7)))+(G23*CompanyTax)","v":0},null,{"$f":"IF(I15=\"Company\",I38*CompanyTax,INDEX(TaxForBracket,MATCH(I38,TaxBracketMin,1))+INDEX(TaxRate,MATCH(I38,TaxBracketMin,1))*(I38-INDEX(TaxBracketMin,MATCH(I38,TaxBracketMin,1)))+IF(I38<='Tax Table'!$B$6,0,IF(I38<='Tax Table'!$B$7,(I38-'Tax Table'!$B$6)*'Tax Table'!$C$6,I38*'Tax Table'!$C$7)))+(I23*CompanyTax)","v":0},null,{"$f":"IF(K15=\"Company\",K38*CompanyTax,INDEX(TaxForBracket,MATCH(K38,TaxBracketMin,1))+INDEX(TaxRate,MATCH(K38,TaxBracketMin,1))*(K38-INDEX(TaxBracketMin,MATCH(K38,TaxBracketMin,1)))+IF(K38<='Tax Table'!$B$6,0,IF(K38<='Tax Table'!$B$7,(K38-'Tax Table'!$B$6)*'Tax Table'!$C$6,K38*'Tax Table'!$C$7)))+(K23*CompanyTax)","v":0},null,{"$f":"IF(M15=\"Company\",M38*CompanyTax,INDEX(TaxForBracket,MATCH(M38,TaxBracketMin,1))+INDEX(TaxRate,MATCH(M38,TaxBracketMin,1))*(M38-INDEX(TaxBracketMin,MATCH(M38,TaxBracketMin,1)))+IF(M38<='Tax Table'!$B$6,0,IF(M38<='Tax Table'!$B$7,(M38-'Tax Table'!$B$6)*'Tax Table'!$C$6,M38*'Tax Table'!$C$7)))+(M23*CompanyTax)","v":0},null,{"$f":"IF(O15=\"Company\",O38*CompanyTax,INDEX(TaxForBracket,MATCH(O38,TaxBracketMin,1))+INDEX(TaxRate,MATCH(O38,TaxBracketMin,1))*(O38-INDEX(TaxBracketMin,MATCH(O38,TaxBracketMin,1)))+IF(O38<='Tax Table'!$B$6,0,IF(O38<='Tax Table'!$B$7,(O38-'Tax Table'!$B$6)*'Tax Table'!$C$6,O38*'Tax Table'!$C$7)))+(O23*CompanyTax)","v":0}]
[null,null,"Tax offset for Low Income Earners",null,{"$f":"0-(IF(OR(E15=\"Company\",E38=\"\",E38=0),0,IF(VLOOKUP(E38,TaxOffsetForLowIncomeTable,2,TRUE)+(E38-VLOOKUP(E38,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(E38,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(E38,TaxOffsetForLowIncomeTable,2,TRUE)+(E38-VLOOKUP(E38,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(E38,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0},null,{"$f":"0-(IF(OR(G15=\"Company\",G38=\"\",G38=0),0,IF(VLOOKUP(G38,TaxOffsetForLowIncomeTable,2,TRUE)+(G38-VLOOKUP(G38,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(G38,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(G38,TaxOffsetForLowIncomeTable,2,TRUE)+(G38-VLOOKUP(G38,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(G38,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0},null,{"$f":"0-(IF(OR(I15=\"Company\",I38=\"\",I38=0),0,IF(VLOOKUP(I38,TaxOffsetForLowIncomeTable,2,TRUE)+(I38-VLOOKUP(I38,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(I38,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(I38,TaxOffsetForLowIncomeTable,2,TRUE)+(I38-VLOOKUP(I38,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(I38,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0},null,{"$f":"0-(IF(OR(K15=\"Company\",K38=\"\",K38=0),0,IF(VLOOKUP(K38,TaxOffsetForLowIncomeTable,2,TRUE)+(K38-VLOOKUP(K38,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(K38,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(K38,TaxOffsetForLowIncomeTable,2,TRUE)+(K38-VLOOKUP(K38,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(K38,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0},null,{"$f":"0-(IF(OR(M15=\"Company\",M38=\"\",M38=0),0,IF(VLOOKUP(M38,TaxOffsetForLowIncomeTable,2,TRUE)+(M38-VLOOKUP(M38,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(M38,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(M38,TaxOffsetForLowIncomeTable,2,TRUE)+(M38-VLOOKUP(M38,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(M38,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0},null,{"$f":"0-(IF(OR(O15=\"Company\",O38=\"\",O38=0),0,IF(VLOOKUP(O38,TaxOffsetForLowIncomeTable,2,TRUE)+(O38-VLOOKUP(O38,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(O38,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(O38,TaxOffsetForLowIncomeTable,2,TRUE)+(O38-VLOOKUP(O38,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(O38,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0}]
[null,null,"Net",null,{"$f":"E31-(IF(E41+E42>0,E41+E42,0))","v":0},null,{"$f":"G31-(IF(G41+G42>0,G41+G42,0))","v":0},null,{"$f":"I31-(IF(I41+I42>0,I41+I42,0))","v":0},null,{"$f":"K31-(IF(K41+K42>0,K41+K42,0))","v":0},null,{"$f":"M31-(IF(M41+M42>0,M41+M42,0))","v":0},null,{"$f":"O31-(IF(O41+O42>0,O41+O42,0))","v":0},null,null,{"$f":"(E43+G43+I43+K43+M43+O43)","v":0}]
[null,null,"HEM Living Expense",null,{"$f":"IFERROR(IF(AND(E32,NOT(E36)),(VLOOKUP(E34,HemTableForExpenses,E40+1,FALSE) +(VLOOKUP(E35,HemTableForExpenses,E40+1,FALSE))*(E17+E33))*NumberOfWeeksInAYear,0),0)","v":0},null,{"$f":"IFERROR(IF(AND(G32,NOT(G36)),(VLOOKUP(G34,HemTableForExpenses,G40+1,FALSE) +(VLOOKUP(G35,HemTableForExpenses,G40+1,FALSE))*(G17+G33))*NumberOfWeeksInAYear,0),0)","v":0},null,{"$f":"IFERROR(IF(AND(I32,NOT(I36)),(VLOOKUP(I34,HemTableForExpenses,I40+1,FALSE) +(VLOOKUP(I35,HemTableForExpenses,I40+1,FALSE))*(I17+I33))*NumberOfWeeksInAYear,0),0)","v":0},null,{"$f":"IFERROR(IF(AND(K32,NOT(K36)),(VLOOKUP(K34,HemTableForExpenses,K40+1,FALSE) +(VLOOKUP(K35,HemTableForExpenses,K40+1,FALSE))*(K17+K33))*NumberOfWeeksInAYear,0),0)","v":0},null,{"$f":"IFERROR(IF(AND(M32,NOT(M36)),(VLOOKUP(M34,HemTableForExpenses,M40+1,FALSE) +(VLOOKUP(M35,HemTableForExpenses,M40+1,FALSE))*(M17+M33))*NumberOfWeeksInAYear,0),0)","v":0},null,{"$f":"IFERROR(IF(AND(O32,NOT(O36)),(VLOOKUP(O34,HemTableForExpenses,O40+1,FALSE) +(VLOOKUP(O35,HemTableForExpenses,O40+1,FALSE))*(O17+O33))*NumberOfWeeksInAYear,0),0)","v":0},null,null,0]
[null,null,"Expenses compared to HEM Annual",null,{"$f":"SUMIF($F$54:$F$70,\"Yes\",$G$54:$G$70)*12","v":0},null,"Expenses not compared to HEM Exc Inv Property Annual",null,null,null,{"$f":"SUMIF($F$54:$F$70,\"No\",$G$54:$G$70)*12-((G56+G57)*12)","v":0},null,"Customer Nominated Living Expenses",null,null,null,null,{"$f":"E45+K45+K46","v":0}]
[null,null,"Compared to HEM Percentage on Benchmark",null,{"$f":"IF(R44=0,0,E45/R44)","v":0},null,null,null,"Investment Property Costs >15% of rent Annual",null,{"$f":"MAX(0,(G56*12)-(R26*15%)+(G57*12)-(R29*15%))","v":0},null,"Living Expenses Used",null,null,null,null,{"$f":"MAX(R44,E45)+K45+K46","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Net Available Income",null,null,null,null,{"$f":"R43-R46","v":0}]
[]
[]
[]
[null,null,"Commitments"]
[]
[null,null,"Living Expenses:",null,null,"Compared To Hem","Per Month",null,"Other Commitments:",null,null,null,"Per Month"]
[null,null,"Primary residence utilities, rates, strata fees & expenses",null,null,"Yes",null,null,"Rent/Board"]
[null,null,"Primary residence land tax & FHB property tax",null,null,"No",null,null,"Total Credit Card Limit",null,null,null,null,null,{"$f":"TEXT(CreditCardCommitments,\"0.00%\")&\": \"&M55*CreditCardCommitments","v":"3.82%: 0"},null,null,{"$f":"M55*CreditCardCommitments","v":0}]
[null,null,"Investment property expenses (negative gearing eligible pool)",null,null,"No",null,null,"Other Mortgage Repayments"]
[null,null,"Investment property expenses (negative gearing ineligible pool)",null,null,"No",null,null,"Other Liabilities (eg BNPL, PL, HECs)"]
[null,null,"Telephone, internet, Pay TV & media streaming",null,null,"Yes"]
[null,null,"Groceries",null,null,"Yes"]
[null,null,"Recreation & Entertainment",null,null,"Yes"]
[null,null,"Clothing & Personal Care",null,null,"Yes"]
[null,null,"Medical & Health",null,null,"Yes",null,null,null,null,"The living expenses declared by the customer are at risk of being understated when compared to a living expense benchmark. A Level 5 Pepper DCA holder will be required to approve this application"]
[null,null,"Transport",null,null,"Yes"]
[null,null,"Education – non Private schooling",null,null,"Yes"]
[null,null,"Education - Private schooling ",null,null,"No"]
[null,null,"Childcare",null,null,"Yes"]
[null,null,"Insurance - General Basic",null,null,"Yes"]
[null,null,"Insurance - Health, Sickness, Personal Accident & Life ",null,null,"No"]
[null,null,"Other Living Expenses",null,null,"No"]
[null,null,"Child & Spousal Maintenance ",null,null,"No"]
[]
[]
[null,null,"Result"]
[]
[null,null,"Actual Rate:",null,"Monthly",null,"Annual",null,"Assessment Rate:",null,null,null,"Monthly",null,"Annual"]
[null,null,"Total Income",null,{"$f":"G76/NumberOfMonthsInAYear","v":0},null,{"$f":"$R$31","v":0},null,null,null,"Total Income",null,{"$f":"O76/NumberOfMonthsInAYear","v":0},null,{"$f":"$R$31","v":0}]
[null,null,"Net Income",null,{"$f":"G77/NumberOfMonthsInAYear","v":0},null,{"$f":"$R$43","v":0},null,null,null,"Net Income",null,{"$f":"R43/NumberOfMonthsInAYear","v":0},null,{"$f":"$R$43","v":0}]
[null,null,"Living Costs",null,{"$f":"G78/NumberOfMonthsInAYear","v":0},null,{"$f":"$R$46","v":0},null,null,null,"Living Costs",null,{"$f":"O78/NumberOfMonthsInAYear","v":0},null,{"$f":"$R$46","v":0}]
[null,null,"Net Available Income",null,{"$f":"IFERROR(G79/NumberOfMonthsInAYear,0)","v":0},null,{"$f":"$G$77-$G$78","v":0},null,null,null,"Net Available Income",null,{"$f":"IFERROR(O79/NumberOfMonthsInAYear,0)","v":0},null,{"$f":"$O$77-$O$78","v":0}]
[null,null,"Proposed Repayments",null,{"$f":"IFERROR(-PMT(ResiInterestRate1/NumberOfMonthsInAYear,(ResiLoanTerm1-ResiLoanIOTerm1)*NumberOfMonthsInAYear,ResiNewLoanAmount1),0)+IFERROR(-PMT(ResiInterestRate2/NumberOfMonthsInAYear,(ResiLoanTerm2-ResiLoanIOTerm2)*NumberOfMonthsInAYear,ResiNewLoanAmount2),0)","v":0},null,{"$f":"E80*NumberOfMonthsInAYear","v":0},null,null,null,"Proposed Repayments",null,{"$f":"IFERROR(-PMT(ResiAssessmentRate1/NumberOfMonthsInAYear,(ResiLoanTerm1-ResiLoanIOTerm1)*NumberOfMonthsInAYear,ResiNewLoanAmount1),0)+IFERROR(-PMT(ResiAssessmentRate2/NumberOfMonthsInAYear,(ResiLoanTerm2-ResiLoanIOTerm2)*NumberOfMonthsInAYear,ResiNewLoanAmount2),0)","v":0},null,{"$f":"M80*NumberOfMonthsInAYear","v":0}]
[null,null,"Other Commitments",null,{"$f":"IFERROR(G81/NumberOfMonthsInAYear,0)","v":0},null,{"$f":"O81","v":0},null,null,null,"Other Commitments",null,{"$f":"IFERROR(O81/NumberOfMonthsInAYear,0)","v":0},null,{"$f":"($M$56*OtherMortgageRepaymentBuffer+$M$57+$R$55+$M$54)*NumberOfMonthsInAYear","v":0}]
[]
[null,null,"NSR:",null,{"$f":"IF(K88=\"INCOMPLETE\",0,IFERROR(ROUNDDOWN(G79/(G80+G81),2),0))","v":0},null,{"$f":"IF(OR(ResiCheckForCompleteness=\"INCOMPLETE\",ResiTotalIncome=0,K13=\"Loan Terms > 30 years cannot be Interest Only\"),\"INCOMPLETE\",IF(AND(IF(AND(ResiTotalUntaxedAvailableIncome<>0,ResiTotalUntaxedAvailableIncome/ResiTotalIncome>AllowableGovernmentAllowanceOverTotalIncomeLimitation),ResiActualNSR>=AcceptableNSRForGovernmentIncome,TRUE),(ResiActualNSR>=AcceptableNSRForAllOtherApplicants)),\"PASS\",\"FAIL\"))","v":"INCOMPLETE"},null,null,null,"NSR:",null,{"$f":"IF(K88=\"INCOMPLETE\",0,IFERROR(ROUNDDOWN(O79/(O80+O81),2),0))","v":0},null,{"$f":"IF( OR( ResiCheckForCompleteness=\"INCOMPLETE\", ResiTotalIncome=0, K13=\"Loan Terms > 30 years cannot be Interest Only\", AND(E11<>\"\", OR(I11=\"\", M11=\"\"))),\"INCOMPLETE\", IF( AND( IF( AND( ResiTotalUntaxedAvailableIncome<>0, ResiTotalUntaxedAvailableIncome/ResiTotalIncome>AllowableGovernmentAllowanceOverTotalIncomeLimitation ), ResiAssessmentNSR>=AcceptableNSRForGovernmentIncome, TRUE ), ResiAssessmentNSR>=AcceptableNSRForAllOtherApplicants ), \"PASS\", \"FAIL\" ) )","v":"INCOMPLETE"}]
[null,null,"DSR:",null,{"$f":"IF(K88=\"INCOMPLETE\",\"-\",IFERROR((G80+G81-(M54*12))/R31,\"-\"))","v":"-"},null,null,null,null,null,"DSR:",null,{"$f":"IF(K88=\"INCOMPLETE\",\"-\",IFERROR((O80 +O81-(M54*12))/R31,\"-\"))","v":"-"}]
[]
[]
[null,null,null,null,null,null,null,null,null,null,"Application Status"]
[null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(ResiNewLoanTotalAmount=\"\",ResiWAVGInterestRate=\"\",ResiWAVGLoanTerm=\"\",E15=\"\",R31=0,E18<>\"\",G18<>\"\",I18<>\"\",K18<>\"\",M18<>\"\",O18<>\"\",G54=\"\",G55=\"\",G56=\"\",G57=\"\",G58=\"\",G59=\"\",G60=\"\",G61=\"\",G62=\"\",G63=\"\",G64=\"\",G65=\"\",G66=\"\",G67=\"\",G68=\"\",G69=\"\",G70=\"\"),\"INCOMPLETE\",\"COMPLETE\")","v":"INCOMPLETE"}]
[]
[null,null,null,null,null,null,"Eligible Loan Amount",null,null,null,null,null,{"$f":"IF(O83=\"INCOMPLETE\",O83,MAX(0,IF(O83=\"PASS\",ResiNewLoanTotalAmount,IFERROR(-PV(ResiWAVGAssessmentRate/12,(ResiWAVGLoanTerm-ResiWAVGLoanIOTerm)*12,ROUNDDOWN(((O79-(O81*(IF(AND(ResiTotalUntaxedAvailableIncome<>0,ResiTotalUntaxedAvailableIncome/ResiTotalIncome>AllowableGovernmentAllowanceOverTotalIncomeLimitation),AcceptableNSRForGovernmentIncome,AcceptableNSRForAllOtherApplicants))))/(NumberOfMonthsInAYear*(IF(AND(ResiTotalUntaxedAvailableIncome<>0,ResiTotalUntaxedAvailableIncome/ResiTotalIncome>AllowableGovernmentAllowanceOverTotalIncomeLimitation),AcceptableNSRForGovernmentIncome,AcceptableNSRForAllOtherApplicants)))),0),0),0))))","v":"INCOMPLETE"}]
[]
[null,null,null,null,null,null,"Maximum Serviceable Loan Amount",null,null,null,null,null,{"$f":"IF(O83=\"INCOMPLETE\",O83,MAX(0,IFERROR(-PV(ResiWAVGAssessmentRate/12,(ResiWAVGLoanTerm-ResiWAVGLoanIOTerm)*12,ROUNDDOWN(((O79-(O81*(IF(AND(ResiTotalUntaxedAvailableIncome<>0,ResiTotalUntaxedAvailableIncome/ResiTotalIncome>AllowableGovernmentAllowanceOverTotalIncomeLimitation),AcceptableNSRForGovernmentIncome,AcceptableNSRForAllOtherApplicants))))/(NumberOfMonthsInAYear*(IF(AND(ResiTotalUntaxedAvailableIncome<>0,ResiTotalUntaxedAvailableIncome/ResiTotalIncome>AllowableGovernmentAllowanceOverTotalIncomeLimitation),AcceptableNSRForGovernmentIncome,AcceptableNSRForAllOtherApplicants)))),0),0),0)))","v":"INCOMPLETE"}]
[null,null,"Net Service Ratio (NSR) Requirements (using Assessment Rate)"]
[null,null,"All applicantions: NSR must be ≥ 1.00"]
[null,null,"Where loan amount or borrower exposure is > $1.5m AND aggregate LVR > 70%: NSR must be ≥ 1.25\nApplicants with majority income as Government Allowances (eg. Pensions, Family Tax Benefits): NSR must be ≥ 1.25"]
[null,null,"\n1% Interest Rate Buffer Eligiblity Rules\nAllowed for the following transactions:\n- Purchase of an investment property\n- Interest rate is FIXED across the whole loan (cash out ≤ $20,000)\n- Refinance home loan & debt consolidation (cash out ≤ $20,000)",null,null,null,null,null,"\n\nThe following rules apply:\n- Maximum LVR is 80%, AND\n- Minimum Equifax Credit Bureau score is 700, AND \n- No RHI > 0 on all debts or default listings in the last 12 months & no unpaid default listings"]
[null,null,"Important Information:\nThis calculator is to be used as a guide only as to borrowing power based on the basic information provided. It is not an offer of credit or a quote.  Lending criteria, terms and conditions, fees and charges will apply should a borrower apply for credit.\nPepper Money Limited ABN 55 094 317 665 Australian credit licence 286655"]

{"sheet":"Commercial","index":1,"n_rows":91,"n_cols":17,"rows_kept":91,"cut":false,"hidden":false,"merged":[[7,12,7,13],[31,2,32,2],[3,4,3,8],[90,8,90,10],[89,8,89,10],[55,6,55,8],[56,6,56,8],[57,6,57,8],[58,6,58,8],[59,6,59,8]]}
[null,"Commercial Servicability Calculator"]
[null,null,{"$f":"Residential!C3","v":"Version 6.12.2 - 28th July 2026"}]
[]
[null,null,"Applicant Name"]
[]
[null,null,"Proposed Loan Details"]
[]
[null,null,"New Loan Amount",null,null,null,"Interest Rate",null,null,null,"Assessment Rate",null,{"$f":"MAX(BaselineAssessmentRate,I8+2%)","v":5.5E-2}]
[null,null,"Documentation Type",null,null,null,"Loan Term (Years)"]
[null,null,null,null,null,null,"I/O Term (Years)"]
[null,null,null,null,null,null,"P&I Repayment",null,{"$f":"IF(I9>I10,-PMT(M8/12,12*(I9-I10),E8),0)","v":0}]
[null,null,null,null,null,null,"IO Repayment",null,{"$f":"IF(I10>0,E8*M8/12,0)","v":0}]
[]
[]
[null,null,"Business Loan Details",null,null,null,null,null,null,null,null,null,null,"excluding proposed Pepper loan"]
[]
[null,null,null,null,"Loan Amount",null,"Rate",null,"Actual Loan Repayment (Monthly)"]
[null,null,"Loan 1"]
[null,null,"Loan 2"]
[null,null,"Loan 3"]
[null,null,"Loan 4"]
[]
[]
[null,null,"Business Income / Expenses"]
[]
[null,null,"Business Income",null,null,null,null,null,"Add Backs"]
[null,null,"Net Profit Before Tax",null,null,null,null,null,"Depreciation"]
[null,null,"Proposed Net Commercial Rental Income",null,null,null,null,null,"Ammortisation"]
[null,null,"Proposed Gross Residential Rental Income",null,null,null,null,null,"Interest Paid"]
[null,null,null,null,null,null,null,null,"Directors Salaries/Fees/Super"]
[null,null,null,null,null,null,null,null,"Other"]
[null,null,"Earning Before Interest, Tax, Depreciation & Ammortisation (EBITDA)"]
[null,null,null,null,{"$f":"K33+E27+E28+(E29*RentalIncomeShading)","v":0},null,null,null," Total Add Backs",null,{"$f":"SUM(K27:K31)","v":0}]
[]
[]
[null,null,"Personal Income / Expenses"]
[]
[null,null,"Applicant Details",null,"Applicant 1",null,"Applicant 2",null,"Applicant 3",null,"Applicant 4"]
[null,null,"Status"]
[null,null,"Couple With"]
[null,null,"Dependants"]
[null,null,null,null,"Enter a Status",null,"Enter a Status",null,"Enter a Status",null,"Enter a Status"]
[]
[null,null,"Gross Annual Income"]
[null,null,"Untaxed Allowable Income"]
[null,null,"Gross Residential Rental Income (Negative Gearing Eligible)"]
[null,null,"Gross Residential Rental Income (not eligible for Negative Gearing)"]
[null,null,"Total Income",null,{"$f":"E44+E45+(E46+E47)*RentalIncomeShading","v":0},null,{"$f":"G44+G45+(G46+G47)*RentalIncomeShading","v":0},{"$f":"H44+H45+(H46+H47)*RentalIncomeShading","v":0},{"$f":"I44+I45+(I46+I47)*RentalIncomeShading","v":0},{"$f":"J44+J45+(J46+J47)*RentalIncomeShading","v":0},{"$f":"K44+K45+(K46+K47)*RentalIncomeShading","v":0},null,null,null,null,{"$f":"(E48+G48+I48+K48)","v":0},"Total Gross Annual Income"]
[]
[null,null,"Negative Gearing eligible Loan Balance (personal name)"]
[null,null,"Negative Gearing NOT eligible Loan Balance (personal name)"]
[null,null,"Tax",null,{"$f":"VLOOKUP(E68,IncomeTaxTable,2,TRUE)+MAX(((E68-VLOOKUP(E68,IncomeTaxTable,1,TRUE))*VLOOKUP(E68,IncomeTaxTable,3,TRUE)),0) +IF(E68<=MinimumForPartialLevy,0,IF(E68>MinimumForFullLevy,E68*MedicareFullLevyPerc,(E68-MinimumForPartialLevy)*MedicarePartialLevyPerc))","v":0},null,{"$f":"VLOOKUP(G68,IncomeTaxTable,2,TRUE)+MAX(((G68-VLOOKUP(G68,IncomeTaxTable,1,TRUE))*VLOOKUP(G68,IncomeTaxTable,3,TRUE)),0) +IF(G68<=MinimumForPartialLevy,0,IF(G68>MinimumForFullLevy,G68*MedicareFullLevyPerc,(G68-MinimumForPartialLevy)*MedicarePartialLevyPerc))","v":0},null,{"$f":"VLOOKUP(I68,IncomeTaxTable,2,TRUE)+MAX(((I68-VLOOKUP(I68,IncomeTaxTable,1,TRUE))*VLOOKUP(I68,IncomeTaxTable,3,TRUE)),0) +IF(I68<=MinimumForPartialLevy,0,IF(I68>MinimumForFullLevy,I68*MedicareFullLevyPerc,(I68-MinimumForPartialLevy)*MedicarePartialLevyPerc))","v":0},null,{"$f":"VLOOKUP(K68,IncomeTaxTable,2,TRUE)+MAX(((K68-VLOOKUP(K68,IncomeTaxTable,1,TRUE))*VLOOKUP(K68,IncomeTaxTable,3,TRUE)),0) +IF(K68<=MinimumForPartialLevy,0,IF(K68>MinimumForFullLevy,K68*MedicareFullLevyPerc,(K68-MinimumForPartialLevy)*MedicarePartialLevyPerc))","v":0}]
[null,null,"Tax offset for Low Income Earners",null,{"$f":"0-(IF(OR(E39=\"Company\",E68=\"\",E68=0),0,IF(VLOOKUP(E68,TaxOffsetForLowIncomeTable,2,TRUE)+(E68-VLOOKUP(E68,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(E68,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(E68,TaxOffsetForLowIncomeTable,2,TRUE)+(E68-VLOOKUP(E68,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(E68,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0},null,{"$f":"0-(IF(OR(G39=\"Company\",G68=\"\",G68=0),0,IF(VLOOKUP(G68,TaxOffsetForLowIncomeTable,2,TRUE)+(G68-VLOOKUP(G68,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(G68,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(G68,TaxOffsetForLowIncomeTable,2,TRUE)+(G68-VLOOKUP(G68,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(G68,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0},null,{"$f":"0-(IF(OR(I39=\"Company\",I68=\"\",I68=0),0,IF(VLOOKUP(I68,TaxOffsetForLowIncomeTable,2,TRUE)+(I68-VLOOKUP(I68,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(I68,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(I68,TaxOffsetForLowIncomeTable,2,TRUE)+(I68-VLOOKUP(I68,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(I68,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0},null,{"$f":"0-(IF(OR(K39=\"Company\",K68=\"\",K68=0),0,IF(VLOOKUP(K68,TaxOffsetForLowIncomeTable,2,TRUE)+(K68-VLOOKUP(K68,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(K68,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(K68,TaxOffsetForLowIncomeTable,2,TRUE)+(K68-VLOOKUP(K68,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(K68,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0}]
[null,null,"Net Income",null,{"$f":"E48-(IF(E52+E53>0,E52+E53,0))","v":0},null,{"$f":"G48-(IF(G52+G53>0,G52+G53,0))","v":0},null,{"$f":"I48-(IF(I52+I53>0,I52+I53,0))","v":0},null,{"$f":"K48-(IF(K52+K53>0,K52+K53,0))","v":0},null,null,null,null,{"$f":"(E54+G54+I54+K54)","v":0},"Total Net Annual Income"]
[]
[null,null,"Living Expenses (monthly)",null,null,null,"Other Commitments",null,null,null,"Per Month"]
[null,null,"Declared Living Expenses",null,null,null,"Rent/Board"]
[null,null,null,null,null,null,"Total Credit Card Limit",null,null,null,null,null,"3%:",{"$f":"K58*CreditCardCommitments","v":0}]
[null,null,null,null,null,null,"Personal Mortgage Repayments"]
[null,null,null,null,null,null,"Other Consumer Debt"]
[]
[null,null,"Is an Applicant",null,{"$f":"OR(E39<>\"\")","v":false},null,{"$f":"OR(G39<>\"\")","v":false},null,{"$f":"OR(I39<>\"\")","v":false},null,{"$f":"OR(K39<>\"\")","v":false}]
[null,null,"Spouse Dependants",null,{"$f":"IFERROR(HLOOKUP(E40,CREApplicantDetailsTable,4,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(G40,CREApplicantDetailsTable,4,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(I40,CREApplicantDetailsTable,4,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(K40,CREApplicantDetailsTable,4,FALSE),0)","v":0}]
[null,null,"Pepper Status Code",null,{"$f":"IF(E$39=\"Individual (Couple)\",\"P-C\",IF(E$39=\"Individual (Single)\",\"P-S\",\"\"))","v":""},null,{"$f":"IF(G$39=\"Individual (Couple)\",\"P-C\",IF(G$39=\"Individual (Single)\",\"P-S\",\"\"))","v":""},null,{"$f":"IF(I$39=\"Individual (Couple)\",\"P-C\",IF(I$39=\"Individual (Single)\",\"P-S\",\"\"))","v":""},null,{"$f":"IF(K$39=\"Individual (Couple)\",\"P-C\",IF(K$39=\"Individual (Single)\",\"P-S\",\"\"))","v":""}]
[null,null,"Pepper Dependents Code",null,{"$f":"IF(E$39=\"Individual (Couple)\",\"P-CD\"&INDEX(Validation!$B$21:$B$26,MATCH((E$41+E$63),Validation!$A$21:$A$26,1)),IF(E$39=\"Individual (Single)\",\"P-SD\"&INDEX(Validation!$B$21:$B$26,MATCH((E$41+E$63),Validation!$A$21:$A$26,1)),\"\"))","v":""},null,{"$f":"IF(G$39=\"Individual (Couple)\",\"P-CD\"&INDEX(Validation!$B$21:$B$26,MATCH((G$41+G$63),Validation!$A$21:$A$26,1)),IF(G$39=\"Individual (Single)\",\"P-SD\"&INDEX(Validation!$B$21:$B$26,MATCH((G$41+G$63),Validation!$A$21:$A$26,1)),\"\"))","v":""},null,{"$f":"IF(I$39=\"Individual (Couple)\",\"P-CD\"&INDEX(Validation!$B$21:$B$26,MATCH((I$41+I$63),Validation!$A$21:$A$26,1)),IF(I$39=\"Individual (Single)\",\"P-SD\"&INDEX(Validation!$B$21:$B$26,MATCH((I$41+I$63),Validation!$A$21:$A$26,1)),\"\"))","v":""},null,{"$f":"IF(K$39=\"Individual (Couple)\",\"P-CD\"&INDEX(Validation!$B$21:$B$26,MATCH((K$41+K$63),Validation!$A$21:$A$26,1)),IF(K$39=\"Individual (Single)\",\"P-SD\"&INDEX(Validation!$B$21:$B$26,MATCH((K$41+K$63),Validation!$A$21:$A$26,1)),\"\"))","v":""}]
[null,null,"Exclude for LE calc",null,{"$f":"IFERROR(IF(MATCH(E40,$E$38:$K$38,0)<(COLUMN()-COLUMN($E$38:$K$38)+1),TRUE,FALSE),FALSE)","v":false},null,{"$f":"IFERROR(IF(MATCH(G40,$E$38:$K$38,0)<(COLUMN()-COLUMN($E$38:$K$38)+1),TRUE,FALSE),FALSE)","v":false},null,{"$f":"IFERROR(IF(MATCH(I40,$E$38:$K$38,0)<(COLUMN()-COLUMN($E$38:$K$38)+1),TRUE,FALSE),FALSE)","v":false},null,{"$f":"IFERROR(IF(MATCH(K40,$E$38:$K$38,0)<(COLUMN()-COLUMN($E$38:$K$38)+1),TRUE,FALSE),FALSE)","v":false}]
[]
[null,null,"Total Taxable Income",null,{"$f":"MAX(E44+(E46*RentalIncomeShading-E50*WorkingsForNegativeGearing)+MAX(E47*RentalIncomeShading-E51*WorkingsForNegativeGearing,0),0)","v":0},null,{"$f":"MAX(G44+(G46*RentalIncomeShading-G50*WorkingsForNegativeGearing)+MAX(G47*RentalIncomeShading-G51*WorkingsForNegativeGearing,0),0)","v":0},null,{"$f":"MAX(I44+(I46*RentalIncomeShading-I50*WorkingsForNegativeGearing)+MAX(I47*RentalIncomeShading-I51*WorkingsForNegativeGearing,0),0)","v":0},null,{"$f":"MAX(K44+(K46*RentalIncomeShading-K50*WorkingsForNegativeGearing)+MAX(K47*RentalIncomeShading-K51*WorkingsForNegativeGearing,0),0)","v":0},null,null,null,null,{"$f":"(E68+G68+I68+K68)","v":0},"Total Taxable Income"]
[null,null,"Spouse Income",null,{"$f":"IFERROR(HLOOKUP(E40,CREApplicantDetailsTable,7,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(G40,CREApplicantDetailsTable,7,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(I40,CREApplicantDetailsTable,7,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(K40,CREApplicantDetailsTable,7,FALSE),0)","v":0}]
[null,null,"Income Bracket",null,{"$f":"IFERROR(HLOOKUP(E44+E69,HemCombinedIncomeRange,3,TRUE),1)","v":1},null,{"$f":"IFERROR(HLOOKUP(G44+G69,HemCombinedIncomeRange,3,TRUE),1)","v":1},null,{"$f":"IFERROR(HLOOKUP(I44+I69,HemCombinedIncomeRange,3,TRUE),1)","v":1},null,{"$f":"IFERROR(HLOOKUP(K44+K69,HemCombinedIncomeRange,3,TRUE),1)","v":1}]
[null,null,"HEM Living Expense",null,{"$f":"IFERROR(IF(AND(E62,NOT(E66)),(VLOOKUP(E64,HemTableForExpenses,E70+1,FALSE) +(VLOOKUP(E65,HemTableForExpenses,E70+1,FALSE))*(E41+E63))*NumberOfWeeksInAYear,0),0)","v":0},null,{"$f":"IFERROR(IF(AND(G62,NOT(G66)),(VLOOKUP(G64,HemTableForExpenses,G70+1,FALSE) +(VLOOKUP(G65,HemTableForExpenses,G70+1,FALSE))*(G41+G63))*NumberOfWeeksInAYear,0),0)","v":0},null,{"$f":"IFERROR(IF(AND(I62,NOT(I66)),(VLOOKUP(I64,HemTableForExpenses,I70+1,FALSE) +(VLOOKUP(I65,HemTableForExpenses,I70+1,FALSE))*(I41+I63))*NumberOfWeeksInAYear,0),0)","v":0},null,{"$f":"IFERROR(IF(AND(K62,NOT(K66)),(VLOOKUP(K64,HemTableForExpenses,K70+1,FALSE) +(VLOOKUP(K65,HemTableForExpenses,K70+1,FALSE))*(K41+K63))*NumberOfWeeksInAYear,0),0)","v":0},null,null,null,null,{"$f":"(E71+G71+I71+K71)","v":0},"HEM Living Expense"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"E57*NumberOfMonthsInAYear","v":0},"Customer Nominated Living Expenses"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"MAX(P71,P72)","v":0},"Used Living Expenses"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"K57*NumberOfMonthsInAYear","v":0},"Personal rent"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"(K59*OtherMortgageRepaymentBuffer+K60+N58)*NumberOfMonthsInAYear","v":0},"Personal Debt"]
[]
[]
[]
[]
[null,null,"Results"]
[]
[]
[null,null,"Business income (EBITDA + net personal contribution)",null,{"$f":"E33+P54-P73-P74-P75","v":0},null,"Interest Expenses",null,{"$f":"(E8*I8)+(E18*G18)+(E19*G19)+(E20*G20)+(E21*G21)","v":0}]
[null,null,null,null,null,null,"Debt Repayments",null,{"$f":"((SUM(I18:I21)+MAX(I11:I12))*12)","v":0}]
[]
[]
[null,null,null,null,null,null,"Interest Coverage Ratio (ICR):",null,{"$f":"IFERROR(E83/I83,0)","v":0}]
[null,null,null,null,null,null,"Debt Service Coverage Ratio (DSCR):",null,{"$f":"IFERROR(E83/I84,0)","v":0},null,{"$f":"IF(I91=\"INCOMPLETE\",\"INCOMPLETE\",IF(E9=FullDoc,IF(I88>=MinimumDSCRFullDoc,\"PASS\",\"FAIL\"),IF(E9=AltDoc,IF(I88>=MinimumDSCRAltDoc,\"PASS\",\"FAIL\"),IF(E9=LeaseDoc,IF(I88>=MinimumDSCRLeaseDoc,\"PASS\",\"FAIL\")))))","v":"INCOMPLETE"}]
[]
[null,null,null,null,null,null,null,null,"Application Status"]
[null,null,null,null,null,null,null,null,{"$f":"IF(OR(E8=\"\",I8=\"\",E9=\"\",I9=\"\",I9<I10),\"INCOMPLETE\",\"COMPLETE\")","v":"INCOMPLETE"}]

{"sheet":"SMSF","index":2,"n_rows":97,"n_cols":20,"rows_kept":97,"cut":false,"hidden":false,"merged":[[26,18,29,18],[3,4,3,12],[7,18,9,18],[19,4,19,14],[22,4,22,14],[24,4,24,14],[48,12,48,14],[49,12,49,14],[73,6,73,12],[96,0,96,16],[43,2,49,6]]}
[null,"SMSF Servicability Calculator"]
[null,null,{"$f":"Residential!C3","v":"Version 6.12.2 - 28th July 2026"}]
[]
[null,null,"SMSF Name"]
[]
[null,null,"Proposed Loan Details"]
[]
[null,null,"New Loan Amount",null,null,null,null,null,null,null,"Interest Rate",null,null,null,null,null,null,null,"Interest expense annually"]
[null,null,null,null,null,null,null,null,null,null,"Loan Term (Years)"]
[null,null,null,null,null,null,null,null,null,null,"I/O Term (Years)"]
[null,null,null,null,null,null,null,null,null,null,"P&I Repayment",null,{"$f":"IF(SMSFLoanTermInYears>SMSFIOTermInYears,-PMT((MAX(BaselineAssessmentRate,SMSFInterestRate+2%))/NumberOfMonthsInAYear,NumberOfMonthsInAYear*(SMSFLoanTermInYears-SMSFIOTermInYears),SMSFNewLoanAmount),0)","v":0},null,null,null,null,null,{"$f":"E8*((MAX(BaselineAssessmentRate,SMSFInterestRate+AssessmentLoading)))","v":0}]
[null,null,null,null,null,null,null,null,null,null,"IO Repayment",null,{"$f":"IF(SMSFIOTermInYears>0,SMSFNewLoanAmount*(((MAX(BaselineAssessmentRate,SMSFInterestRate+2%)))/NumberOfMonthsInAYear),0)","v":0}]
[]
[]
[null,null,"Members Contributions"]
[]
[null,null,"Member Details",null,"Member 1",null,"Member 2",null,"Member 3",null,"Member 4",null,"Member 5",null,"Member 6",null,null,null,"Total"]
[]
[null,null,"Superannuation guarantee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"(E19+G19+I19+K19+M19+O19)","v":0}]
[null,null,{"$f":"IF(OR(AND(SMSFPAYGIncomeM1=0,(SMSFSuperGuaranteeContributionM1+SMSFProposedConcessionalContributionsM1+E22)>SMSFConcessionalContributionsCappedAmount),AND((SMSFSuperGuaranteeContributionM2+SMSFProposedConcessionalContributionsM2+G22)>SMSFConcessionalContributionsCappedAmount),AND((SMSFSuperGuaranteeContributionM3+SMSFProposedConcessionalContributionsM3+I22)>SMSFConcessionalContributionsCappedAmount),AND((SMSFSuperGuaranteeContributionM4+SMSFProposedConcessionalContributionsM4+K22)>SMSFConcessionalContributionsCappedAmount),AND((SMSFSuperGuaranteeContributionM5+SMSFProposedConcessionalContributionsM5+M22)>SMSFConcessionalContributionsCappedAmount),AND((SMSFSuperGuaranteeContributionM6+SMSFProposedConcessionalContributionsM6+O22)>SMSFConcessionalContributionsCappedAmount)),\"Concessional cap of \" & TEXT(SMSFConcessionalContributionsCappedAmount,\"$00,000\") & \" has been exceeded\",\"\")","v":""}]
[null,null,"PROPOSED CONCESSIONAL contributions",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"(E21+G21+I21+K21+M21+O21)","v":0}]
[null,null,"EXISTING CONCESSIONAL contributions",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"(E22+G22+I22+K22+M22+O22)","v":0}]
[null,null,{"$f":"IF(OR(AND(SMSFProposedConcessionalContributionsM1>0,(SMSFSuperGuaranteeContributionM1+SMSFProposedConcessionalContributionsM1+E22)>SMSFConcessionalContributionsCappedAmount),AND(SMSFProposedConcessionalContributionsM2>0,(SMSFSuperGuaranteeContributionM2+SMSFProposedConcessionalContributionsM2+G22)>SMSFConcessionalContributionsCappedAmount),AND(SMSFProposedConcessionalContributionsM3>0,(SMSFSuperGuaranteeContributionM3+SMSFProposedConcessionalContributionsM3+I22)>SMSFConcessionalContributionsCappedAmount),AND(SMSFProposedConcessionalContributionsM4>0,(SMSFSuperGuaranteeContributionM4+SMSFProposedConcessionalContributionsM4+K22)>SMSFConcessionalContributionsCappedAmount),AND(SMSFProposedConcessionalContributionsM5>0,(SMSFSuperGuaranteeContributionM5+SMSFProposedConcessionalContributionsM5+M22)>SMSFConcessionalContributionsCappedAmount),AND(SMSFProposedConcessionalContributionsM6>0,(SMSFSuperGuaranteeContributionM6+SMSFProposedConcessionalContributionsM6+O22)>SMSFConcessionalContributionsCappedAmount)),\"Concessional cap of \" & TEXT(SMSFConcessionalContributionsCappedAmount,\"$00,000\") & \" has been exceeded\",\"\")","v":""},null,{"$f":"IF(OR(E21>E93,G21>G93,I21>I93,K21>K93,M21>M93,O21>O93),\"Proposed concessional contributions cannot exceed the available surplus in Row 91\",IF(OR(AND(E22>0, E56<>0),AND(G22>0, G56<>0),AND(I22>0, I56<>0),AND(K22>0, K56<>0),AND(M22>0, M56<>0),AND(O22>0, O56<>0)),\"Existing contributions cannot be assessed with Proposed contributions. Re-enter under Proposed contributions\",\"\"))","v":""}]
[null,null,"Additional NON-CONCESSIONAL contributions",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"(E24+G24+I24+K24+M24+O24)","v":0}]
[null,null,{"$f":"IF(OR(SMSFAdditionalNonConcessionalContributionsM1>SMSFNonConcessionalContributionsCappedAmount,SMSFAdditionalNonConcessionalContributionsM2>SMSFNonConcessionalContributionsCappedAmount,SMSFAdditionalNonConcessionalContributionsM3>SMSFNonConcessionalContributionsCappedAmount,SMSFAdditionalNonConcessionalContributionsM4>SMSFNonConcessionalContributionsCappedAmount,SMSFAdditionalNonConcessionalContributionsM5>SMSFNonConcessionalContributionsCappedAmount,SMSFAdditionalNonConcessionalContributionsM6>SMSFNonConcessionalContributionsCappedAmount),\"Non-Concessional cap of \" & TEXT(SMSFNonConcessionalContributionsCappedAmount,\"$000,000\") & \" has been exceeded\",\"\")","v":""},null,{"$f":"IF(AND(SUM(Validation!W17:AB17)<=0,OR(S24>S95,IF(E24>0,SMSFAdditionalNonConcessionalContributionsM1>SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM1,IF(G24>0,SMSFAdditionalNonConcessionalContributionsM2>SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM2,IF(I24>0,SMSFAdditionalNonConcessionalContributionsM3>SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM3,IF(K24>0,SMSFAdditionalNonConcessionalContributionsM4>SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM4,IF(M24>0,SMSFAdditionalNonConcessionalContributionsM5>SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM5,IF(O24>0,SMSFAdditionalNonConcessionalContributionsM6>SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM6)))))))),\"Member income & expense (below) incomplete or additional contribution unaffordable\",\"\")","v":""}]
[]
[null,null,"SMSF Income / Expenses",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annual Interest Expenses of Other SMSF Mortgages plus Loading"]
[]
[null,null,"SMSF Income",null,"Annual",null,null,null,"SMSF Expenses",null,null,null,"Other SMSF Mortgages"]
[null,null,"Member Contibutions - Concessional",null,{"$f":"SUM(SMSFSuperGuaranteeContributionM1,SMSFSuperGuaranteeContributionM2,SMSFSuperGuaranteeContributionM3,SMSFSuperGuaranteeContributionM4,SMSFSuperGuaranteeContributionM5,SMSFSuperGuaranteeContributionM6,SMSFProposedConcessionalContributionsM1,SMSFProposedConcessionalContributionsM2,SMSFProposedConcessionalContributionsM3,SMSFProposedConcessionalContributionsM4,SMSFProposedConcessionalContributionsM5,SMSFProposedConcessionalContributionsM6,E22:O22)","v":0},null,null,null,"Administration",null,null,null,"Total Loan Amount"]
[null,null,"Member Contibutions - Non Concessional",null,{"$f":"MAX(0,SUM(SMSFAdditionalNonConcessionalContributionsM1,SMSFAdditionalNonConcessionalContributionsM2,SMSFAdditionalNonConcessionalContributionsM3,SMSFAdditionalNonConcessionalContributionsM4,SMSFAdditionalNonConcessionalContributionsM5,SMSFAdditionalNonConcessionalContributionsM6))","v":0},null,null,null,"Other Mortgage Repayment (stressed)",null,{"$f":"SMSFTotalSMSFOtherMortgagesAnnualRepayment*12*OtherMortgageRepaymentBuffer","v":0},null,"Monthly Repayment"]
[null,null,"Income on other SMSF investments",null,null,null,null,null,"Other P&L expenses",null,null,null,"Interest Rate",null,null,null,null,null,{"$f":"SMSFTotalSMSFOtherMortgagesLoanAmount*(SMSFTotalSMSFOtherMortgagesAnnualInterestRate*OtherMortgageRepaymentBuffer)","v":0}]
[null,null,"Existing & Proposed Net Commercial Rental Income",null,null,null,null,null,"Total Expenses",null,{"$f":"MAX(SMSFTotalSMSFAdministrationCost,IF(OR(SMSFTotalGrossIncome,SMSFTotalTaxableIncome)>0,SMSFMinimumAdministrationCost,0))+SMSFTotalSMSFOtherMortgagesAnnualRepaymentWithBuffer+SMSFTotalSMSFOtherPandLExpenses","v":1500}]
[null,null,"Existing & Proposed Gross Residential Rental Income"]
[]
[null,null,"Gross Income",null,{"$f":"SMSFTotalSMSFMemberContributionsConcessional+SMSFTotalSMSFMemberContributionsNonConcessional+SMSFTotalSMSFIncomeOnOtherInvestments+SMSFProposedNetCRERentalIncome+(SMSFProposedGrossResidentialRentalIncome*RentalIncomeShading)","v":0},null,null,null,"SMSF Tax",null,{"$f":"MAX((0),(SMSFTotalGrossIncome-SMSFTotalSMSFMemberContributionsNonConcessional-MAX(SMSFTotalSMSFAdministrationCost,SMSFMinimumAdministrationCost)-SMSFTotalSMSFOtherPandLExpenses-(SMSFNewLoanIAnnualnterestExpense+SMSFTotalSMSFOtherMortgagesAnnualInterestWithLoading)))*SMSFSuperannuationTax","v":0}]
[]
[]
[null,null,"Results"]
[]
[]
[null,null,"SMSF Income after expenses & tax before debt",null,{"$f":"SMSFTotalGrossIncome-SMSFTotalSMSFTax-MAX(SMSFTotalSMSFAdministrationCost,IF(SMSFTotalGrossIncome>0,SMSFMinimumAdministrationCost,0)-SMSFTotalSMSFOtherPandLExpenses)","v":0},null,null,null,null,null,"Interest Expenses",null,{"$f":"SMSFNewLoanIAnnualnterestExpense+SMSFTotalSMSFOtherMortgagesAnnualInterestWithLoading","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Debt Repayments",null,{"$f":"(SMSFPandIRepaymentAmount*NumberOfMonthsInAYear)+SMSFTotalSMSFOtherMortgagesAnnualRepaymentWithBuffer","v":0}]
[null,null,{"$f":" IF(O47=\"FAIL\",_xlfn._LONGTEXT(\"Serviceability has failed. Consider the following:\n- additional member contributions\n- an allowance for investment return on the residual post-purchase superannuation investments, up to RBA cash rate + 0.5% ROI\n- if members income / expenses entered below\",\", ensure that services or review the need for inclusion in the calculator\"),\"\")","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,"Interest Coverage Ratio (ICR):",null,{"$f":"IF(AND(S93+S95>=0,SMSFCheckForCompleteness=\"COMPLETE\"),IFERROR(E42/M42,0),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,"Debt Service Coverage Ratio (DSCR):",null,{"$f":"IF(AND(S93+S95>=0,SMSFCheckForCompleteness=\"COMPLETE\"),IFERROR(E42/M43,0),\"\")","v":""},null,{"$f":"IF(M50=\"INCOMPLETE\",\"INCOMPLETE\",IF(AND(M47>=SMSFMinimumSMSFDSCR,S93>=0),\"PASS\",\"FAIL\"))","v":"INCOMPLETE"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Application Status"]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(SMSFNewLoanAmount=\"\",SMSFInterestRate=\"\",SMSFLoanTermInYears=\"\",SMSFLoanTermInYears<SMSFIOTermInYears,C20<>\"\",E20<>\"\",C23<>\"\",E23<>\"\",C25<>\"\",E25<>\"\"),\"INCOMPLETE\",IF(AND(E56=\"\",OR(E66<>0,E72<>0,SUM(E75:E79)<>0)),\"INCOMPLETE\",IF(AND(G56=\"\",OR(G66<>0,G72<>0,SUM(G75:G79)<>0)),\"INCOMPLETE\",IF(AND(I56=\"\",OR(I66<>0,I72<>0,SUM(I75:I79)<>0)),\"INCOMPLETE\",IF(AND(K56=\"\",OR(K66<>0,K72<>0,SUM(K75:K79)<>0)),\"INCOMPLETE\",IF(AND(M56=\"\",OR(M66<>0,M72<>0,SUM(M75:M79)<>0)),\"INCOMPLETE\",IF(AND(O56=\"\",OR(O66<>0,O72<>0,SUM(O75:O79)<>0)),\"INCOMPLETE\",\"COMPLETE\")))))))","v":"INCOMPLETE"}]
[]
[]
[]
[null,null,"Member Income & Expenses - COMPLETE ONLY IF A MEMBER(S) ADDITIONAL CONTRIBUTIONS ARE REQUIRED (ROWS 21 & 24)"]
[null,null,"Member Details",null,"Member 1",null,"Member 2",null,"Member 3",null,"Member 4",null,"Member 5",null,"Member 6"]
[null,null,"Status"]
[null,null,"Couple With"]
[null,null,"Dependants"]
[null,null,null,null,"Enter a Status",null,"Enter a Status",null,"Enter a Status",null,"Enter a Status",null,"Enter a Status",null,"Enter a Status"]
[]
[null,null,"PAYG Income"]
[null,null,"Self employed & Other taxable income"]
[null,null,"Untaxed Allowable Income"]
[null,null,"Gross Residential Rental Income (Negative Gearing Eligible)"]
[null,null,"Gross Residential Rental Income (not eligible for Negative Gearing)"]
[null,null,"Total Income",null,{"$f":"E61++E62+E63+E64*RentalIncomeShading+E65*RentalIncomeShading","v":0},null,{"$f":"G61++G62+G63+G64*RentalIncomeShading+G65*RentalIncomeShading","v":0},null,{"$f":"I61++I62+I63+I64*RentalIncomeShading+I65*RentalIncomeShading","v":0},null,{"$f":"K61++K62+K63+K64*RentalIncomeShading+K65*RentalIncomeShading","v":0},null,{"$f":"M61++M62+M63+M64*RentalIncomeShading+M65*RentalIncomeShading","v":0},null,{"$f":"O61++O62+O63+O64*RentalIncomeShading+O65*RentalIncomeShading","v":0},null,null,null,{"$f":"(E66+G66+I66+K66+M66+O66)","v":0},"Total Gross Annual Income"]
[]
[null,null,"Negative Gearing eligible Loan Balance (personal name)"]
[null,null,"Negative Gearing NOT eligible Loan Balance (personal name)"]
[null,null,"Tax",null,{"$f":"VLOOKUP(E86,IncomeTaxTable,2,TRUE)+MAX(((E86-VLOOKUP(E86,IncomeTaxTable,1,TRUE))*VLOOKUP(E86,IncomeTaxTable,3,TRUE)),0) +IF(E86<=MinimumForPartialLevy,0,IF(E86>MinimumForFullLevy,E86*MedicareFullLevyPerc,(E86-MinimumForPartialLevy)*MedicarePartialLevyPerc))","v":0},null,{"$f":"VLOOKUP(G86,IncomeTaxTable,2,TRUE)+MAX(((G86-VLOOKUP(G86,IncomeTaxTable,1,TRUE))*VLOOKUP(G86,IncomeTaxTable,3,TRUE)),0) +IF(G86<=MinimumForPartialLevy,0,IF(G86>MinimumForFullLevy,G86*MedicareFullLevyPerc,(G86-MinimumForPartialLevy)*MedicarePartialLevyPerc))","v":0},null,{"$f":"VLOOKUP(I86,IncomeTaxTable,2,TRUE)+MAX(((I86-VLOOKUP(I86,IncomeTaxTable,1,TRUE))*VLOOKUP(I86,IncomeTaxTable,3,TRUE)),0) +IF(I86<=MinimumForPartialLevy,0,IF(I86>MinimumForFullLevy,I86*MedicareFullLevyPerc,(I86-MinimumForPartialLevy)*MedicarePartialLevyPerc))","v":0},null,{"$f":"VLOOKUP(K86,IncomeTaxTable,2,TRUE)+MAX(((K86-VLOOKUP(K86,IncomeTaxTable,1,TRUE))*VLOOKUP(K86,IncomeTaxTable,3,TRUE)),0) +IF(K86<=MinimumForPartialLevy,0,IF(K86>MinimumForFullLevy,K86*MedicareFullLevyPerc,(K86-MinimumForPartialLevy)*MedicarePartialLevyPerc))","v":0},null,{"$f":"VLOOKUP(M86,IncomeTaxTable,2,TRUE)+MAX(((M86-VLOOKUP(M86,IncomeTaxTable,1,TRUE))*VLOOKUP(M86,IncomeTaxTable,3,TRUE)),0) +IF(M86<=MinimumForPartialLevy,0,IF(M86>MinimumForFullLevy,M86*MedicareFullLevyPerc,(M86-MinimumForPartialLevy)*MedicarePartialLevyPerc))","v":0},null,{"$f":"VLOOKUP(O86,IncomeTaxTable,2,TRUE)+MAX(((O86-VLOOKUP(O86,IncomeTaxTable,1,TRUE))*VLOOKUP(O86,IncomeTaxTable,3,TRUE)),0) +IF(O86<=MinimumForPartialLevy,0,IF(O86>MinimumForFullLevy,O86*MedicareFullLevyPerc,(O86-MinimumForPartialLevy)*MedicarePartialLevyPerc))","v":0}]
[null,null,"Tax offset for Low Income Earners",null,{"$f":"0-(IF(E56=\"Company\",0,MIN(E70,IF(OR(E86<=0,E86>=TaxOffsetMaximumEntitlement),0,TaxOffsetForLowIncomeEarners-IF(E86>TaxOffsetIncomeThreshholds,((E86-TaxOffsetIncomeThreshholds)*TaxOffSetReducedByPerc),0))))+IF(OR(E56=\"Company\",E86=\"\",E86=0),0,IF(VLOOKUP(E86,TaxOffsetForLowIncomeTable,2,TRUE)+(E86-VLOOKUP(E86,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(E86,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(E86,TaxOffsetForLowIncomeTable,2,TRUE)+(E86-VLOOKUP(E86,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(E86,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0},null,{"$f":"0-(IF(G56=\"Company\",0,MIN(G70,IF(OR(G86<=0,G86>=TaxOffsetMaximumEntitlement),0,TaxOffsetForLowIncomeEarners-IF(G86>TaxOffsetIncomeThreshholds,((G86-TaxOffsetIncomeThreshholds)*TaxOffSetReducedByPerc),0))))+IF(OR(G56=\"Company\",G86=\"\",G86=0),0,IF(VLOOKUP(G86,TaxOffsetForLowIncomeTable,2,TRUE)+(G86-VLOOKUP(G86,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(G86,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(G86,TaxOffsetForLowIncomeTable,2,TRUE)+(G86-VLOOKUP(G86,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(G86,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0},null,{"$f":"0-(IF(I56=\"Company\",0,MIN(I70,IF(OR(I86<=0,I86>=TaxOffsetMaximumEntitlement),0,TaxOffsetForLowIncomeEarners-IF(I86>TaxOffsetIncomeThreshholds,((I86-TaxOffsetIncomeThreshholds)*TaxOffSetReducedByPerc),0))))+IF(OR(I56=\"Company\",I86=\"\",I86=0),0,IF(VLOOKUP(I86,TaxOffsetForLowIncomeTable,2,TRUE)+(I86-VLOOKUP(I86,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(I86,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(I86,TaxOffsetForLowIncomeTable,2,TRUE)+(I86-VLOOKUP(I86,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(I86,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0},null,{"$f":"0-(IF(K56=\"Company\",0,MIN(K70,IF(OR(K86<=0,K86>=TaxOffsetMaximumEntitlement),0,TaxOffsetForLowIncomeEarners-IF(K86>TaxOffsetIncomeThreshholds,((K86-TaxOffsetIncomeThreshholds)*TaxOffSetReducedByPerc),0))))+IF(OR(K56=\"Company\",K86=\"\",K86=0),0,IF(VLOOKUP(K86,TaxOffsetForLowIncomeTable,2,TRUE)+(K86-VLOOKUP(K86,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(K86,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(K86,TaxOffsetForLowIncomeTable,2,TRUE)+(K86-VLOOKUP(K86,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(K86,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0},null,{"$f":"0-(IF(M56=\"Company\",0,MIN(M70,IF(OR(M86<=0,M86>=TaxOffsetMaximumEntitlement),0,TaxOffsetForLowIncomeEarners-IF(M86>TaxOffsetIncomeThreshholds,((M86-TaxOffsetIncomeThreshholds)*TaxOffSetReducedByPerc),0))))+IF(OR(M56=\"Company\",M86=\"\",M86=0),0,IF(VLOOKUP(M86,TaxOffsetForLowIncomeTable,2,TRUE)+(M86-VLOOKUP(M86,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(M86,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(M86,TaxOffsetForLowIncomeTable,2,TRUE)+(M86-VLOOKUP(M86,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(M86,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0},null,{"$f":"0-(IF(O56=\"Company\",0,MIN(O70,IF(OR(O86<=0,O86>=TaxOffsetMaximumEntitlement),0,TaxOffsetForLowIncomeEarners-IF(O86>TaxOffsetIncomeThreshholds,((O86-TaxOffsetIncomeThreshholds)*TaxOffSetReducedByPerc),0))))+IF(OR(O56=\"Company\",O86=\"\",O86=0),0,IF(VLOOKUP(O86,TaxOffsetForLowIncomeTable,2,TRUE)+(O86-VLOOKUP(O86,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(O86,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(O86,TaxOffsetForLowIncomeTable,2,TRUE)+(O86-VLOOKUP(O86,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(O86,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0}]
[null,null,"Net Income After Tax",null,{"$f":"E66-(IF(E70+E71>0,E70+E71,0))","v":0},null,{"$f":"G66-(IF(G70+G71>0,G70+G71,0))","v":0},null,{"$f":"I66-(IF(I70+I71>0,I70+I71,0))","v":0},null,{"$f":"K66-(IF(K70+K71>0,K70+K71,0))","v":0},null,{"$f":"M66-(IF(M70+M71>0,M70+M71,0))","v":0},null,{"$f":"O66-(IF(O70+O71>0,O70+O71,0))","v":0},null,null,null,{"$f":"(E72+G72+I72+K72+M72+O72)","v":0},"Total Net Annual Income"]
[]
[null,null,"Commitments (per month)"]
[null,null,"Declared Living Expenses"]
[null,null,"Rent/Board"]
[null,null,"Total Credit Card Limit"]
[null,null,"Personal Mortgage Repayments"]
[null,null,"Other Consumer Debt"]
[null,null,"Is an Applicant",null,{"$f":"OR(E56<>\"\")","v":false},null,{"$f":"OR(G56<>\"\")","v":false},null,{"$f":"OR(I56<>\"\")","v":false},null,{"$f":"OR(K56<>\"\")","v":false},null,{"$f":"OR(M56<>\"\")","v":false},null,{"$f":"OR(O56<>\"\")","v":false}]
[null,null,"Spouse Dependants",null,{"$f":"IFERROR(HLOOKUP(E57,SMSFApplicantDetailsTable,4,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(G57,SMSFApplicantDetailsTable,4,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(I57,SMSFApplicantDetailsTable,4,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(K57,SMSFApplicantDetailsTable,4,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(M57,SMSFApplicantDetailsTable,4,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(O57,SMSFApplicantDetailsTable,4,FALSE),0)","v":0}]
[null,null,"Pepper Status Code",null,{"$f":"IF(E$56=\"Individual (Couple)\",\"P-C\",IF(E$56=\"Individual (Single)\",\"P-S\",\"\"))","v":""},null,{"$f":"IF(G$56=\"Individual (Couple)\",\"P-C\",IF(G$56=\"Individual (Single)\",\"P-S\",\"\"))","v":""},null,{"$f":"IF(I$56=\"Individual (Couple)\",\"P-C\",IF(I$56=\"Individual (Single)\",\"P-S\",\"\"))","v":""},null,{"$f":"IF(K$56=\"Individual (Couple)\",\"P-C\",IF(K$56=\"Individual (Single)\",\"P-S\",\"\"))","v":""},null,{"$f":"IF(M$56=\"Individual (Couple)\",\"P-C\",IF(M$56=\"Individual (Single)\",\"P-S\",\"\"))","v":""},null,{"$f":"IF(O$56=\"Individual (Couple)\",\"P-C\",IF(O$56=\"Individual (Single)\",\"P-S\",\"\"))","v":""}]
[null,null,"Pepper Dependents Code",null,{"$f":"IF(E$56=\"Individual (Couple)\",\"P-CD\"&INDEX([2]Validation!$B$21:$B$26,MATCH((E$58+E$81),[2]Validation!$A$21:$A$26,1)),IF(E$56=\"Individual (Single)\",\"P-SD\"&INDEX([2]Validation!$B$21:$B$26,MATCH((E$58+E$81),[2]Validation!$A$21:$A$26,1)),\"\"))","v":""},null,{"$f":"IF(G$56=\"Individual (Couple)\",\"P-CD\"&INDEX([2]Validation!$B$21:$B$26,MATCH((G$58+G$81),[2]Validation!$A$21:$A$26,1)),IF(G$56=\"Individual (Single)\",\"P-SD\"&INDEX([2]Validation!$B$21:$B$26,MATCH((G$58+G$81),[2]Validation!$A$21:$A$26,1)),\"\"))","v":""},null,{"$f":"IF(I$56=\"Individual (Couple)\",\"P-CD\"&INDEX([2]Validation!$B$21:$B$26,MATCH((I$58+I$81),[2]Validation!$A$21:$A$26,1)),IF(I$56=\"Individual (Single)\",\"P-SD\"&INDEX([2]Validation!$B$21:$B$26,MATCH((I$58+I$81),[2]Validation!$A$21:$A$26,1)),\"\"))","v":""},null,{"$f":"IF(K$56=\"Individual (Couple)\",\"P-CD\"&INDEX([2]Validation!$B$21:$B$26,MATCH((K$58+K$81),[2]Validation!$A$21:$A$26,1)),IF(K$56=\"Individual (Single)\",\"P-SD\"&INDEX([2]Validation!$B$21:$B$26,MATCH((K$58+K$81),[2]Validation!$A$21:$A$26,1)),\"\"))","v":""},null,{"$f":"IF(M$56=\"Individual (Couple)\",\"P-CD\"&INDEX([2]Validation!$B$21:$B$26,MATCH((M$58+M$81),[2]Validation!$A$21:$A$26,1)),IF(M$56=\"Individual (Single)\",\"P-SD\"&INDEX([2]Validation!$B$21:$B$26,MATCH((M$58+M$81),[2]Validation!$A$21:$A$26,1)),\"\"))","v":""},null,{"$f":"IF(O$56=\"Individual (Couple)\",\"P-CD\"&INDEX([2]Validation!$B$21:$B$26,MATCH((O$58+O$81),[2]Validation!$A$21:$A$26,1)),IF(O$56=\"Individual (Single)\",\"P-SD\"&INDEX([2]Validation!$B$21:$B$26,MATCH((O$58+O$81),[2]Validation!$A$21:$A$26,1)),\"\"))","v":""}]
[null,null,"Exclude for LE calc",null,{"$f":"IFERROR(IF(MATCH(E57,$E$55:$O$55,0)<(COLUMN()-COLUMN($E$55:$O$55)+1),TRUE,FALSE),FALSE)","v":false},null,{"$f":"IFERROR(IF(MATCH(G57,$E$55:$O$55,0)<(COLUMN()-COLUMN($E$55:$O$55)+1),TRUE,FALSE),FALSE)","v":false},null,{"$f":"IFERROR(IF(MATCH(I57,$E$55:$O$55,0)<(COLUMN()-COLUMN($E$55:$O$55)+1),TRUE,FALSE),FALSE)","v":false},null,{"$f":"IFERROR(IF(MATCH(K57,$E$55:$O$55,0)<(COLUMN()-COLUMN($E$55:$O$55)+1),TRUE,FALSE),FALSE)","v":false},null,{"$f":"IFERROR(IF(MATCH(M57,$E$55:$O$55,0)<(COLUMN()-COLUMN($E$55:$O$55)+1),TRUE,FALSE),FALSE)","v":false},null,{"$f":"IFERROR(IF(MATCH(O57,$E$55:$O$55,0)<(COLUMN()-COLUMN($E$55:$O$55)+1),TRUE,FALSE),FALSE)","v":false}]
[]
[null,null,"Total Taxable Income",null,{"$f":"MAX(E61+E62+E64*RentalIncomeShading-E68*WorkingsForNegativeGearing+MAX(E65*RentalIncomeShading-E69*WorkingsForNegativeGearing,0),0)-SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM1","v":0},null,{"$f":"MAX(G61+G62+G64*RentalIncomeShading-G68*WorkingsForNegativeGearing+MAX(G65*RentalIncomeShading-G69*WorkingsForNegativeGearing,0)-SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM2)","v":0},null,{"$f":"MAX(I61+I62+I64*RentalIncomeShading-I68*WorkingsForNegativeGearing+MAX(I65*RentalIncomeShading-I69*WorkingsForNegativeGearing,0)-SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM3)","v":0},null,{"$f":"MAX(K61+K62+K64*RentalIncomeShading-K68*WorkingsForNegativeGearing+MAX(K65*RentalIncomeShading-K69*WorkingsForNegativeGearing,0)-SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM4)","v":0},null,{"$f":"MAX(M61+M62+M64*RentalIncomeShading-M68*WorkingsForNegativeGearing+MAX(M65*RentalIncomeShading-M69*WorkingsForNegativeGearing,0)-SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM5)","v":0},null,{"$f":"MAX(O61+O62+O64*RentalIncomeShading-O68*WorkingsForNegativeGearing+MAX(O65*RentalIncomeShading-O69*WorkingsForNegativeGearing,0)-SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM6)","v":0},null,null,null,{"$f":"(E86+G86+I86+K86+M86+O86)","v":0},"Total Taxable Income"]
[null,null,"Tax calculation on commitments (to calculate net uncommitted income)",null,{"$f":"VLOOKUP((E92),IncomeTaxTable,2,TRUE)+MAX((((E92)-VLOOKUP((E92),IncomeTaxTable,1,TRUE))*VLOOKUP((E92),IncomeTaxTable,3,TRUE)),0) +IF((E92)<=MinimumForPartialLevy,0,IF((E92-E63)>MinimumForFullLevy,(E92)*MedicareFullLevyPerc,((E92)-MinimumForPartialLevy)*MedicarePartialLevyPerc))","v":0},null,{"$f":"VLOOKUP((G92),IncomeTaxTable,2,TRUE)+MAX((((G92)-VLOOKUP((G92),IncomeTaxTable,1,TRUE))*VLOOKUP((G92),IncomeTaxTable,3,TRUE)),0) +IF((G92)<=MinimumForPartialLevy,0,IF((G92-G63)>MinimumForFullLevy,(G92)*MedicareFullLevyPerc,((G92)-MinimumForPartialLevy)*MedicarePartialLevyPerc))","v":0},null,{"$f":"VLOOKUP((I92),IncomeTaxTable,2,TRUE)+MAX((((I92)-VLOOKUP((I92),IncomeTaxTable,1,TRUE))*VLOOKUP((I92),IncomeTaxTable,3,TRUE)),0) +IF((I92)<=MinimumForPartialLevy,0,IF((I92-I63)>MinimumForFullLevy,(I92)*MedicareFullLevyPerc,((I92)-MinimumForPartialLevy)*MedicarePartialLevyPerc))","v":0},null,{"$f":"VLOOKUP((K92),IncomeTaxTable,2,TRUE)+MAX((((K92)-VLOOKUP((K92),IncomeTaxTable,1,TRUE))*VLOOKUP((K92),IncomeTaxTable,3,TRUE)),0) +IF((K92)<=MinimumForPartialLevy,0,IF((K92-K63)>MinimumForFullLevy,(K92)*MedicareFullLevyPerc,((K92)-MinimumForPartialLevy)*MedicarePartialLevyPerc))","v":0},null,{"$f":"VLOOKUP((M92),IncomeTaxTable,2,TRUE)+MAX((((M92)-VLOOKUP((M92),IncomeTaxTable,1,TRUE))*VLOOKUP((M92),IncomeTaxTable,3,TRUE)),0) +IF((M92)<=MinimumForPartialLevy,0,IF((M92-M63)>MinimumForFullLevy,(M92)*MedicareFullLevyPerc,((M92)-MinimumForPartialLevy)*MedicarePartialLevyPerc))","v":0},null,{"$f":"VLOOKUP((O92),IncomeTaxTable,2,TRUE)+MAX((((O92)-VLOOKUP((O92),IncomeTaxTable,1,TRUE))*VLOOKUP((O92),IncomeTaxTable,3,TRUE)),0) +IF((O92)<=MinimumForPartialLevy,0,IF((O92-O63)>MinimumForFullLevy,(O92)*MedicareFullLevyPerc,((O92)-MinimumForPartialLevy)*MedicarePartialLevyPerc))","v":0}]
[null,null,"Spouse Income",null,{"$f":"IFERROR(HLOOKUP(E57,SMSFApplicantDetailsTable,7,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(G57,SMSFApplicantDetailsTable,7,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(I57,SMSFApplicantDetailsTable,7,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(K57,SMSFApplicantDetailsTable,7,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(M57,SMSFApplicantDetailsTable,7,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(O57,SMSFApplicantDetailsTable,7,FALSE),0)","v":0}]
[null,null,"Income Bracket",null,{"$f":"IFERROR(HLOOKUP(E63+MAX(E61+E62+E64*RentalIncomeShading-E68*WorkingsForNegativeGearing,0)+E88,HemCombinedIncomeRange,3,TRUE),1)","v":1},null,{"$f":"IFERROR(HLOOKUP(G63+MAX(G61+G62+G64*RentalIncomeShading-G68*WorkingsForNegativeGearing,0)+G88,HemCombinedIncomeRange,3,TRUE),1)","v":1},null,{"$f":"IFERROR(HLOOKUP(I63+MAX(I61+I62+I64*RentalIncomeShading-I68*WorkingsForNegativeGearing,0)+I88,HemCombinedIncomeRange,3,TRUE),1)","v":1},null,{"$f":"IFERROR(HLOOKUP(K63+MAX(K61+K62+K64*RentalIncomeShading-K68*WorkingsForNegativeGearing,0)+K88,HemCombinedIncomeRange,3,TRUE),1)","v":1},null,{"$f":"IFERROR(HLOOKUP(M63+MAX(M61+M62+M64*RentalIncomeShading-M68*WorkingsForNegativeGearing,0)+M88,HemCombinedIncomeRange,3,TRUE),1)","v":1},null,{"$f":"IFERROR(HLOOKUP(O63+MAX(O61+O62+O64*RentalIncomeShading-O68*WorkingsForNegativeGearing,0)+O88,HemCombinedIncomeRange,3,TRUE),1)","v":1}]
[null,null,"HEM Living Expense (monthly)",null,{"$f":"IFERROR(IF(AND(E80,NOT(E84)),(VLOOKUP(E82,HemTableForExpenses,E89+1,FALSE) +(VLOOKUP(E83,HemTableForExpenses,E89+1,FALSE))*(E58+E81))*NumberOfWeeksInAYear,0),0)/NumberOfMonthsInAYear","v":0},null,{"$f":"IFERROR(IF(AND(G80,NOT(G84)),(VLOOKUP(G82,HemTableForExpenses,G89+1,FALSE) +(VLOOKUP(G83,HemTableForExpenses,G89+1,FALSE))*(G58+G81))*NumberOfWeeksInAYear,0),0)/NumberOfMonthsInAYear","v":0},null,{"$f":"IFERROR(IF(AND(I80,NOT(I84)),(VLOOKUP(I82,HemTableForExpenses,I89+1,FALSE) +(VLOOKUP(I83,HemTableForExpenses,I89+1,FALSE))*(I58+I81))*NumberOfWeeksInAYear,0),0)/NumberOfMonthsInAYear","v":0},null,{"$f":"IFERROR(IF(AND(K80,NOT(K84)),(VLOOKUP(K82,HemTableForExpenses,K89+1,FALSE) +(VLOOKUP(K83,HemTableForExpenses,K89+1,FALSE))*(K58+K81))*NumberOfWeeksInAYear,0),0)/NumberOfMonthsInAYear","v":0},null,{"$f":"IFERROR(IF(AND(M80,NOT(M84)),(VLOOKUP(M82,HemTableForExpenses,M89+1,FALSE) +(VLOOKUP(M83,HemTableForExpenses,M89+1,FALSE))*(M58+M81))*NumberOfWeeksInAYear,0),0)/NumberOfMonthsInAYear","v":0},null,{"$f":"IFERROR(IF(AND(O80,NOT(O84)),(VLOOKUP(O82,HemTableForExpenses,O89+1,FALSE) +(VLOOKUP(O83,HemTableForExpenses,O89+1,FALSE))*(O58+O81))*NumberOfWeeksInAYear,0),0)/NumberOfMonthsInAYear","v":0}]
[]
[null,null,"Total Commitments (annualised)",null,{"$f":"ROUNDDOWN((MAX(E90,E75)+(E76+(E77*CreditCardCommitments)+(E78*OtherMortgageRepaymentBuffer)+E79))*NumberOfMonthsInAYear,0)","v":0},null,{"$f":"ROUNDDOWN((MAX(G90,G75)+(G76+(G77*CreditCardCommitments)+(G78*OtherMortgageRepaymentBuffer)+G79))*NumberOfMonthsInAYear,0)","v":0},null,{"$f":"ROUNDDOWN((MAX(I90,I75)+(I76+(I77*CreditCardCommitments)+(I78*OtherMortgageRepaymentBuffer)+I79))*NumberOfMonthsInAYear,0)","v":0},null,{"$f":"ROUNDDOWN((MAX(K90,K75)+(K76+(K77*CreditCardCommitments)+(K78*OtherMortgageRepaymentBuffer)+K79))*NumberOfMonthsInAYear,0)","v":0},null,{"$f":"ROUNDDOWN((MAX(M90,M75)+(M76+(M77*CreditCardCommitments)+(M78*OtherMortgageRepaymentBuffer)+M79))*NumberOfMonthsInAYear,0)","v":0},null,{"$f":"ROUNDDOWN((MAX(O90,O75)+(O76+(O77*CreditCardCommitments)+(O78*OtherMortgageRepaymentBuffer)+O79))*NumberOfMonthsInAYear,0)","v":0}]
[null,null,"Available surplus for additional voluntary pre tax concessional contributions ($32,500 cap)",null,{"$f":"ROUNDDOWN(MIN((SMSFConcessionalContributionsCappedAmount-SMSFSuperGuaranteeContributionM1),IF((E66-E92-E87)<0,0,(E66-E92-E87))),0)","v":0},null,{"$f":"ROUNDDOWN(MIN((SMSFConcessionalContributionsCappedAmount-SMSFSuperGuaranteeContributionM2),IF((G66-G92-G87)<0,0,(G66-G92-G87))),0)","v":0},null,{"$f":"ROUNDDOWN(MIN((SMSFConcessionalContributionsCappedAmount-SMSFSuperGuaranteeContributionM3),IF((I66-I92-I87)<0,0,(I66-I92-I87))),0)","v":0},null,{"$f":"ROUNDDOWN(MIN((SMSFConcessionalContributionsCappedAmount-SMSFSuperGuaranteeContributionM4),IF((K66-K92-K87)<0,0,(K66-K92-K87))),0)","v":0},null,{"$f":"ROUNDDOWN(MIN((SMSFConcessionalContributionsCappedAmount-SMSFSuperGuaranteeContributionM5),IF((M66-M92-M87)<0,0,(M66-M92-M87))),0)","v":0},null,{"$f":"ROUNDDOWN(MIN((SMSFConcessionalContributionsCappedAmount-SMSFSuperGuaranteeContributionM6),IF((O66-O92-O87)<0,0,(O66-O92-O87))),0)","v":0},null,null,null,{"$f":"(E93+G93+I93+K93+M93+O93)","v":0}]
[]
[null,null,"Available surplus for additional voluntary post tax non-concessional contributions ($130,000 cap)",null,{"$f":"ROUNDDOWN(MIN(SMSFNonConcessionalContributionsCappedAmount,(IF(OR(E72>0,E92>0),(E72-E92-E93),0))),0)","v":0},null,{"$f":"ROUNDDOWN(MIN(SMSFNonConcessionalContributionsCappedAmount,(IF(OR(G72>0,G92>0),(G72-G92-G93),0))),0)","v":0},null,{"$f":"ROUNDDOWN(MIN(SMSFNonConcessionalContributionsCappedAmount,(IF(OR(I72>0,I92>0),(I72-I92-I93),0))),0)","v":0},null,{"$f":"ROUNDDOWN(MIN(SMSFNonConcessionalContributionsCappedAmount,(IF(OR(K72>0,K92>0),(K72-K92-K93),0))),0)","v":0},null,{"$f":"ROUNDDOWN(MIN(SMSFNonConcessionalContributionsCappedAmount,(IF(OR(M72>0,M92>0),(M72-M92-M93),0))),0)","v":0},null,{"$f":"ROUNDDOWN(MIN(SMSFNonConcessionalContributionsCappedAmount,(IF(OR(O72>0,O92>0),(O72-O92-O93),0))),0)","v":0},null,null,null,{"$f":"ROUNDDOWN((E95+G95+I95+K95+M95+O95),0)","v":0}]
[]
["Important information\nCommercial in confidence - this document has been produced for the intended recipients only. It must not, under any circumstance, be copied or distributed in any way to a party other than the intended recipients.  \n\nSMSF serviceability calculator is correct as at 28 August 2026 and subject to change.\n\nAll applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply.  Information provided in the SMSF serviceability calculator is factual information only and is not intended to implement any recommendation or advice about any financial product(s) or constitute tax advice.  Consult a licensed financial or tax advice for financial and/or tax advice. \n\n The results of the SMSF serviceability calculator are based on information provided and is to be used as a guide only. Serviceability may be different when a full assessment is completed  It does not constitute a quote, pre-qualification or approval or offer for credit and commitments should not be entered based on it. \n\n                                                                                                                                          Pepper Money Limited ABN 51 094 317 647"]

{"sheet":"SEIC","index":3,"n_rows":72,"n_cols":20,"rows_kept":72,"cut":false,"hidden":false,"merged":[[42,14,42,16],[38,3,38,5],[39,3,39,5],[44,14,44,15],[57,3,57,5],[42,3,42,5],[44,3,44,5],[17,18,17,19],[36,14,36,16],[37,14,37,16],[17,7,17,8],[41,3,41,5],[36,3,36,5],[25,18,25,19],[38,14,38,16],[25,7,25,8],[39,14,39,16],[40,14,40,16],[41,14,41,16],[5,2,5,5],[5,13,5,16],[50,3,50,5],[45,3,45,5],[46,3,46,5],[47,3,47,5],[48,3,48,5],[49,3,49,5],[50,14,50,16],[49,14,49,16],[48,14,48,16],[45,14,45,16],[46,14,46,16],[47,14,47,16],[40,3,40,5],[37,3,37,5]]}
[null,"Self-Employed Income Calculator"]
[]
[null,null,"Business 1",null,null,null,null,null,null,null,null,null,null,"Business 2"]
[]
[null,null,"Business Name",null,null,null,null,null,null,null,null,null,null,"Business Name"]
[]
[null,null,null,"Most\nRecent Year",null,"Previous Year",null,null,null,null,null,null,null,null,"Most\nRecent Year",null,"Previous Year"]
[null,null,"Financial year end date (DD/MM/YYYY)",null,null,null,null,null,null,null,null,null,null,"Financial year end date (DD/MM/YYYY)",null,42551]
[]
[null,null,"Gross Business Income",null,null,null,null,null,null,null,null,null,null,"Gross Business Income"]
[null,null," less expenses ",null,null,null,null,null,null,null,null,null,null," less expenses "]
[null,null," plus superannuation over 12%",null,null,null,null,null,null,null,null,null,null," plus superannuation over 12%"]
[]
[null,null,"plus depreciation",null,null,null,null,null,null,null,null,null,null,"plus depreciation"]
[null,null," plus interest / leasing charges",null,null,null,null,null,null,null,null,null,null," plus interest / leasing charges"]
[]
[null,null," less Ongoing Business Loan REPAYMENTS",null,null,null,null,null,null,null,null,null,null," less Ongoing Business Loan REPAYMENTS"]
[null,null,null,null,null,null,null,"Total Business Income",null,null,null,null,null,null,null,null,null,null,"Total Business Income"]
[null,null,"Director Wages:",null,null,null,null,"Most Recent Year","Previous Year",null,null,null,null,"Director Wages:",null,null,null,null,"Most Recent Year","Previous Year"]
[null,null,"Applicant 1",null,null,null,null,{"$f":"(D$10-D$11+D$12-D$17)*D28+D20","v":0},{"$f":"(F$10-F$11+F$12-D$17)*F28+F20","v":0},null,null,null,null,"Applicant 1",null,null,null,null,{"$f":"(O$10-O$11+O$12-O$17)*O28+O20","v":0},{"$f":"(Q$10-Q$11+Q$12-O$17)*Q28+Q20","v":0}]
[null,null,"Applicant 2",null,null,null,null,{"$f":"(D$10-D$11+D$12-D$17)*D29+D21","v":0},{"$f":"(F$10-F$11+F$12-D$17)*F29+F21","v":0},null,null,null,null,"Applicant 2",null,null,null,null,{"$f":"(O$10-O$11+O$12-O$17)*O29+O21","v":0},{"$f":"(Q$10-Q$11+Q$12-O$17)*Q29+Q21","v":0}]
[null,null,"Applicant 3",null,null,null,null,0,0,null,null,null,null,"Applicant 3",null,null,null,null,0,0]
[null,null,"Applicant 4",null,null,null,null,0,0,null,null,null,null,"Applicant 4",null,null,null,null,0,0]
[null,null,"Applicant 5",null,null,null,null,0,0,null,null,null,null,"Applicant 5",null,null,null,null,0,0]
[null,null,"Applicant 6",null,null,null,null,0,0,null,null,null,null,"Applicant 6",null,null,null,null,0,0]
[null,null,null,null,null,null,null,"Untaxed Addbacks",null,null,null,null,null,null,null,null,null,null,"Untaxed Addbacks"]
[null,null,"Applicant's Entitlement:",null,null,null,null,"Most Recent Year","Previous Year",null,null,null,null,"Applicant's Entitlement:",null,null,null,null,"Most Recent Year","Previous Year"]
[null,null,"Applicant 1",null,null,null,null,{"$f":"(D$15+D$14)*$D28","v":0},{"$f":"(F$15+F$14)*$F28","v":0},null,null,null,null,"Applicant 1",null,null,null,null,{"$f":"(O$15+O$14)*$O28","v":0},{"$f":"(Q$15+Q$14)*$Q28","v":0}]
[null,null,"Applicant 2",null,null,null,null,0,0,null,null,null,null,"Applicant 2",null,null,null,null,0,0]
[null,null,"Applicant 3",null,null,null,null,0,0,null,null,null,null,"Applicant 3",null,null,null,null,0,0]
[null,null,"Applicant 4",null,null,null,null,0,0,null,null,null,null,"Applicant 4",null,null,null,null,0,0]
[null,null,"Applicant 5",null,null,null,null,0,0,null,null,null,null,"Applicant 5",null,null,null,null,0,0]
[null,null,"Applicant 6",null,null,null,null,0,0,null,null,null,null,"Applicant 6",null,null,null,null,0,0]
[null,null,null,{"$f":"IF(SUM(D28:D33)>100%,\"Check: >100%\",\"\")","v":""},null,{"$f":"IF(SUM(F28:F33)>100%,\"Check\",\"\")","v":""},null,null,null,null,null,null,null,null,{"$f":"IF(SUM(O28:O33)>100%,\"Check: >100%\",\"\")","v":""},null,{"$f":"IF(SUM(Q28:Q33)>100%,\"Check\",\"\")","v":""}]
[null,null,"Calculations: Business 1",null,null,null,null,null,null,null,null,null,null,"Calculations: Business 2"]
[]
[null,null,null,"Self-Employed Income",null,null,null,null,null,null,null,null,null,null,"Self-Employed Income"]
[null,null,"Applicant 1",{"$f":"IF(H20>I20,AVERAGE(H20,I20),H20)","v":0},null,null,null,null,null,null,null,null,null,"Applicant 1",{"$f":"IF(S20>T20,AVERAGE(S20,T20),S20)","v":0}]
[null,null,"Applicant 2",0,null,null,null,null,null,null,null,null,null,"Applicant 2",0]
[null,null,"Applicant 3",0,null,null,null,null,null,null,null,null,null,"Applicant 3",0]
[null,null,"Applicant 4",0,null,null,null,null,null,null,null,null,null,"Applicant 4",0]
[null,null,"Applicant 5",0,null,null,null,null,null,null,null,null,null,"Applicant 5",0]
[null,null,"Applicant 6",0,null,null,null,null,null,null,null,null,null,"Applicant 6",0]
[]
[null,null,null,"Addbacks",null,null,null,null,null,null,null,null,null,null,"Addbacks"]
[null,null,"Applicant 1",{"$f":"IF(H28>I28,AVERAGE(H28,I28),H28)","v":0},null,null,null,null,null,null,null,null,null,"Applicant 1",{"$f":"IF(S28>T28,AVERAGE(S28,T28),S28)","v":0}]
[null,null,"Applicant 2",0,null,null,null,null,null,null,null,null,null,"Applicant 2",0]
[null,null,"Applicant 3",0,null,null,null,null,null,null,null,null,null,"Applicant 3",0]
[null,null,"Applicant 4",0,null,null,null,null,null,null,null,null,null,"Applicant 4",0]
[null,null,"Applicant 5",0,null,null,null,null,null,null,null,null,null,"Applicant 5",0]
[null,null,"Applicant 6",0,null,null,null,null,null,null,null,null,null,"Applicant 6",0]
[]
[]
[]
[]
[null,null,"Outputs"]
[]
[null,null,null,"Self-Employed Income"]
[null,null,"Applicant 1",{"$f":"D38+O38","v":0}]
[null,null,"Applicant 2",0]
[null,null,"Applicant 3",0]
[null,null,"Applicant 4",0]
[null,null,"Applicant 5",0]
[null,null,"Applicant 6",0]
[]
[null,null,null,"Addbacks"]
[null,null,"Applicant 1",{"$f":"D46+O46","v":0}]
[null,null,"Applicant 2",0]
[null,null,"Applicant 3",0]
[null,null,"Applicant 4",0]
[null,null,"Applicant 5",0]
[null,null,"Applicant 6",0]

{"sheet":"BBS & BAS","index":4,"n_rows":94,"n_cols":14,"rows_kept":94,"cut":false,"hidden":false,"merged":[[0,4,0,5],[21,10,21,13],[22,10,22,13],[23,10,23,13],[7,13,9,13],[18,5,18,7],[18,10,18,13],[12,7,13,7],[19,0,19,3],[19,10,19,13],[20,10,20,13],[14,0,14,3],[15,0,15,3],[16,0,16,3],[17,0,17,3],[18,0,18,3]]}
["Step 1","What income is your client declaring?"]
[]
["Step 2","Enter data in the white cells only",null,null,null,null,null,"Number of Quarters used"]
[null,null,null,null,null,null,null,{"$f":"COUNT(B7:B10)","v":0},null,null,"Business Bank Statements Analysis"]
["enter data in white cells only","G1","1A","1B","Net GST","W1","Expenses","Surplus","Expense Ratio",null,null,"Actuals"]
["Must use min of 2 quarters","Sales","Owed to ATO","Owed by ATO",null,"Salaries",null,null,null,null,"Select Period Covered"]
["Quarter 1",null,null,null,{"$f":"C7-D7","v":0},null,{"$f":"D7*11","v":0},{"$f":"B7-E7-F7-G7","v":0}]
["Quarter 2",null,null,null,{"$f":"C8-D8","v":0},null,{"$f":"D8*11","v":0},{"$f":"B8-E8-F8-G8","v":0},null,null,"Enter Sum of Credits",null,null,"Annualised Credits x ATO Average Expense figure"]
["Quarter 3",null,null,null,{"$f":"C9-D9","v":0},null,{"$f":"D9*11","v":0},{"$f":"B9-E9-F9-G9","v":0},null,null,"Annualised",{"$f":"IF(L6=\"Month\",L8*12,IF(L6=\"Quarter\",L8*4,IF(L6=\"6 months\",L8*2,L8)))","v":0}]
["Quarter 4",null,null,null,0,null,0,0]
["TOTAL",{"$f":"SUM(B7:B10)","v":0},{"$f":"SUM(C7:C10)","v":0},0,0,0,0,0,{"$f":"(E11+F11+G11)/B11","v":{"$error":"#DIV/0!"}}]
["Annualised",{"$f":"IF(SUM(B7:B10)>0,(SUM(B7:B10)/COUNTA(B7:B10)*4),0)","v":0},{"$f":"IF(SUM(C7:C10)>0,(SUM(C7:C10)/COUNTA(C7:C10)*4),0)","v":0},0,0,0,0,{"$f":"IF(H4=2,H11*2,IF(H4=3,H11/3*4,H11))","v":0},null,null,"Enter Sum of Business debits from BBS",0,"OR",{"$f":"L9*H18","v":0}]
["Result",null,null,null,null,null,null,{"$f":"IF(E1>H12, \"Refer\",\"Pass\")","v":"Pass"},null,null,"Annualised",{"$f":"IF(L6=\"Month\",L12*12,IF(L6=\"Quarter\",L12*4,IF(L6=\"6 months\",L12*2,L12)))","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Or Annualised via ATO Average",{"$f":"N12","v":0}]
["BAS Guidelines:",null,null,null,null,"Expense Benchmark",null,"ATO",null,null,"Assessed Surplus",{"$f":"L9-L13-L14","v":0},null,{"$f":"L9-N12","v":0}]
["1. If the annualised surplus exceeds the self employed declared income, proceed with application. Use the declared income in the DSC.",null,null,null,null,"Which Industry?",null,null,null,null,null,{"$f":"IF(E1>L15, \"Refer\",\"Pass\")","v":"Pass"}]
["2. If the annualised surplus is less than the declared income,  use BBS to verify income. If that is also insufficient, discuss with broker and consider full doc approach.",null,null,null,null,"Total Exp/Turnover % Range",null,null,null,null,"Actual Expense Ratio",{"$f":"L13/L9","v":{"$error":"#DIV/0!"}}]
["3. If you are using the ATO guidance for industry normal surplus, please compare the surplus shown above to the range shown in the ATO table. ",null,null,null,null,"Avge Total Expenses %"]
["4. When Salaries are shown above, check the Self Employed Declaration form to see if applicants' disclose PAYG income. If not, it is to be taken the fuigure shown above is paid to employees, not the applicants. If so, it would be expected to be part or whole of what is declared at W1 on the BAS",null,null,null,null,"https://www.ato.gov.au/Business/Small-business-benchmarks/Benchmarks-A-Z/",null,null,null,null,"BBS  Guidelines:"]
["5. If any quarter's 1B - Owed by ATO is significantly larger than other quarters, ask broker to check if any one-off capital purchases were made that quarter as these may inflate the GST owed and therefore the proxy expenses we compute. If that is the case, please ask for documentary support of that purchase to confirm eg invoice, bank statement. ",null,null,null,null,"ATO Small Business Benchmarks",null,null,null,null,"1. Select the period  the bank statements cover"]
[null,null,null,null,null,"Which one do I use?",null,"tax returns",null,null,"2. Identify the business related deposits and expenses, add them up and enter that figure where shown."]
[null,null,null,null,null,null,null,"BAS expense ratio to fit within ATO Range",null,null,"3. If the annualised surplus exceeds the self employed declared income, proceed with application. Use the declared income in the DSC."]
[null,null,null,null,null,null,null,"ATO Average if no BBS expense figure used.",null,null,"4. If the annualised surplus is less than the declared income, you may need to use BAS to verify income. If that is also insufficient, discuss with broker and consider full doc approach."]
[null,null,null,null,null,null,null,null,null,null,"5. If you are using the ATO guidance for industry normal surplus, please use the average shown in the ATO table."]
[]
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[null,"Month"]
[null,"Quarter"]
[null,"6 months"]
[null,"12 months"]

{"sheet":"SPV - Non-Borrower","index":5,"n_rows":19,"n_cols":22,"rows_kept":19,"cut":false,"hidden":false,"merged":[[18,2,18,21]]}
[null,"SPV (Non-Borrower) Income Calculator"]
[]
[null,null,null,"SPV 1",null,"SPV 2",null,null,null,null,null,"SPV 3",null,"SPV 4",null,"SPV 5",null,null,null,null,null,"SPV 6"]
[null,null,"SPV Name"]
[]
[null,null,"Gross Rental Income (ANNUAL)"]
[null,null,"Other Allowable SPV Income (ANNUAL)"]
[]
[null,null,"Assessed Income (ANNUAL)",{"$f":"(D6*80%)+D7","v":0},null,{"$f":"(F6*80%)+F7","v":0},null,null,null,null,null,{"$f":"(L6*80%)+L7","v":0},null,{"$f":"(N6*80%)+N7","v":0},null,{"$f":"(P6*80%)+P7","v":0},null,null,null,null,null,{"$f":"(V6*80%)+V7","v":0}]
[]
[null,null,"Mortgage Repayments (MONTHLY)"]
[null,null,"Investment Property Expenses (MONTHLY)"]
[null,null,"Other SPV expenses (MONTHLY)"]
[]
[null,null,"Profit before tax or Loss (ANNUAL)",{"$f":"D9-((D11*125%)*12)-(MAX(0,(D12*12)-(D6*15%)))-(D13*12)","v":0},null,{"$f":"F9-((F11*125%)*12)-(MAX(0,(F12*12)-(F6*15%)))-(F13*12)","v":0},null,null,null,null,null,{"$f":"L9-((L11*125%)*12)-(MAX(0,(L12*12)-(L6*15%)))-(L13*12)","v":0},null,{"$f":"N9-((N11*125%)*12)-(MAX(0,(N12*12)-(N6*15%)))-(N13*12)","v":0},null,{"$f":"P9-((P11*125%)*12)-(MAX(0,(P12*12)-(P6*15%)))-(P13*12)","v":0},null,null,null,null,null,{"$f":"V9-((V11*125%)*12)-(MAX(0,(V12*12)-(V6*15%)))-(V13*12)","v":0}]
[]
[null,null,"Aggregate Profit before or Loss (ANNUAL)",{"$f":"SUM(D15,F15,L15,N15,P15,V15)","v":0}]
[]
[null,null,"For the purpose of using this calculator, an Special Purpose Vehicle (SPV) is a passive investment holding Company or Trust. Entities operating trading business enterprises will be assessed through Pepper Self Employed policies. \n\nThis calculator is to be used, with the net result included in the primary serviceability calculator, when an individual person, attached to the proposed loan, has another SPV (which is not a borrower with Pepper), and that SPV operates:\n      (a) a loss and is not self sufficient, OR\n      (b) a profit, which is to contribute to the individuals serviceability power\nWhere (a) does not apply, a letter from the customers accountant is required, confirming that SPV is self-sufficient (refer to Pepper SPV lending guideline for the required wording). \n\nAll income and expenses used in this calculator need to be verified using Peppers standard verification requirements. \n\nSPV's that are borrowing entities with Pepper, tested via Peppers global exposure serviceability test.\n\nInstructions:\n1) Enter the name of each SPV.\n2) Enter 100% of the rental income and any other allowable income (other passive investment income such as share dividends) generated by the SPV. These are annual figures and the calculator will haircut rental income by 20%. \n3) Enter actual loan repayments for any mortgage loans held by the SPV. This is to be a monthly figure and the calculator will buffer by 25%.\n4) Enter expenses associated with any real estate owned by the SPV. This includes insurance, utilities, rates, strata fees & land tax. This is to be a monhtly figure and the calculator will account for a portion of these expenses within the rental income haircut. \n5) Enter any other expenses that may be applicable with the SPV, for example accountancy costs. This is to be a monthly figure.\n6) Take the resulting aggregate profit before tax or loss (the blue cell) and enter into the applicable serviceability calculator:\n- Residential, under the next available applicant type in Business NPBT (Row 23) with the applicant type Non-Borrower SPV\n- Commercial, under Business Income, Net Profit Before Tax (cell E27)\n- SMSF, in Row 63. When a loss, enter with no adjustment. When a profit, adjust and enter 70% of the profit result\n"]

{"sheet":"Capacity test","index":6,"n_rows":24,"n_cols":9,"rows_kept":24,"cut":false,"hidden":false,"merged":[[0,0,1,6],[2,8,5,8],[7,8,40,8]]}
["CAPACITY TEST - Debt Consolidation",null,null,null,null,null,null,null,"Capacity Test Assessment Procedure"]
[null,null,null,null,null,null,null,null,"Objective of the Capacity Test"]
["Debt","Provider","Balance","Monthly Payment","Month 1","Month 2","Month 3",null,"The capacity test is designed to ascertain whether a client has the financial ability to meet the proposed new minimum monthly repayment on  when they have not demonstrated meeting minimum repayments on existing loans. This could be indicative of a lack of affordability is not caused by an acute 'life event' that has passed and should not effect the customer ongoing. Its purpose is to ensure that any refinancing or consolidation places the client in an improved and affordable financial position, rather than creating or worsening hardship. By analyzing recent repayment behavior and comparing it to the new repayment amount, the test confirms if the client can sustainably manage the new obligation\n"]
[]
[]
[]
[null,null,null,null,null,null,null,null,"Capacity Test Assessment Procedure"]
[null,null,null,null,null,null,null,null,"Step 1: Determine if a Capacity Test is Required\nCheck the client’s loan arrears history:\nAny arrears within the last 6 months; AND\nThere was their no apparent 'life event' that temporarily affected the customers affordability; AND \nThe arrears value indicates that the customer may not be able to afford the proposed loan, despite a Serviceability Test passing.\nIf these conditions apply, proceed with a capacity test.\n\nStep 2: Gather Client Liability Information\nList all current liabilities (e.g., home loans, personal loans, credit cards).\nIdentify the minimum monthly repayment required for each liability.\nCalculate the total minimum monthly repayment across all facilities.\n\nStep 3: Review Client’s Recent Repayment History\nExamine the last 3 months of repayment activity.\nRecord actual amounts paid each month.\nExamine the last 3 months of repayment activity.\nNote any shortfalls compared to the required minimum repayment.\n\nStep 4: Calculate Average Monthly Repayment\nAdd the actual repayments for the last 3 months.\nDivide by 3 to get the average monthly repayment.\n\nStep 5: Compare to New Minimum Monthly Repayment\nIdentify the proposed new loan amount and its minimum monthly repayment.\nCheck if the client’s average repayment is greater than the new minimum repayment.\n\nStep 6: Assess Capacity\nIf the client meets or exceeds the new minimum repayment threshold: Capacity confirmed → Client is eligible for assistance.\nIf not, Capacity not confirmed → Refer to your BDM.\n\nStep 7: Document Findings\nWhere capacity is established and this mitigates the arrears history, please add this commentary to your loan submission.\n\nStep 8: Next Steps\nIf capacity is confirmed: Proceed with consolidation or refinancing.\nIf capacity is not confirmed: Refer to you BDM..\n"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,{"$f":"SUM(C4:C17)","v":0},{"$f":"SUM(D4:D17)","v":0},0,0,0]
[null,null,null,null,{"$f":"IF($E$18=0,\" \",IF($E$18<$B$24,\"FAIL\",\"PASS\"))","v":" "},{"$f":"IF($F$18=0,\" \",IF($F$18<$B$24,\"FAIL\",\"PASS\"))","v":" "},{"$f":"IF($G$18=0,\" \",IF($G$18<$B$24,\"FAIL\",\"PASS\"))","v":" "}]
[]
["Loan Amount"]
["Interest Rate"]
["Loan Term"]
["Payment",{"$f":"-PMT((B22)/NumberOfMonthsInAYear,NumberOfMonthsInAYear*B23,B21)","v":{"$error":"#NUM!"}}]

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["YEAR-TO-DATE INCOME CALCULATOR"]
[]
[]
["Employment 1"]
["Borrower Name"]
["Loan Id"]
["Start Date","Finish Date","No. of Days","Weeks","YTD Pay","Ave Per Week","Annualised","IF Casual @ 48w"]
["2026-07-01",null,{"$f":"B8-A8","v":-46204},{"$f":"C8/7","v":-6600.5714285714284},null,{"$f":"E8/D8","v":0},{"$f":"F8*52","v":0},{"$f":"G8/52*48","v":0}]
[]
["Employment 2"]
["Borrower Name"]
["Loan Id"]
["Start Date","Finish Date","No. of Days","Weeks","YTD Pay","Ave Per Week","Annualised","IF Casual @ 48w"]
[{"$f":"A8","v":"2026-07-01"},null,{"$f":"B14-A14","v":-46204},{"$f":"C14/7","v":-6600.5714285714284},null,{"$f":"E14/D14","v":0},{"$f":"F14*52","v":0},{"$f":"G14/52*48","v":0}]
[]
["Employment 3"]
["Borrower Name"]
["Loan Id"]
["Start Date","Finish Date","No. of Days","Weeks","YTD Pay","Ave Per Week","Annualised","IF Casual @ 48w"]
[{"$f":"A8","v":"2026-07-01"},null,{"$f":"B20-A20","v":-46204},{"$f":"C20/7","v":-6600.5714285714284},null,{"$f":"E20/D20","v":0},{"$f":"F20*52","v":0},{"$f":"G20/52*48","v":0}]
[]
["Important Information:\nThis calculator is to be used as a guide only as to borrowing power based on the basic information provided. It is not an offer of credit or a quote. Lending criteria, terms and coniditons, fees and charges will apply should a borrower apply for credit.\nPepper Money Limited ABN 55 094 317 665 Australian credit licence 286655"]

{"sheet":"Arrears Calculator","index":8,"n_rows":38,"n_cols":47,"rows_kept":38,"cut":false,"hidden":false,"merged":[[9,2,9,4],[9,6,9,9],[25,4,25,5],[25,6,25,9],[8,6,8,9],[1,1,2,9],[5,2,5,4],[5,6,5,9],[7,2,7,4],[7,6,7,9]]}
[]
[null,"Arrears Calculator",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,"2025-06-30",null,null,null,null,null,null,null,null,null,"Product","Rank",null,null,"Non Mortgage Arrears",null,null,"Mortgage Arrears RHI","Credit"]
[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,"Mortgage",null,{"$f":"EOMONTH(AC2,1)","v":"2025-07-31"},null,{"$f":"'Arrears Calculator'!F9","v":"Mortgage"},{"$f":"MAX('Arrears Calculator'!H13:H18)","v":0},null,"Non-Mortgage",{"$f":"SUMIF($AE$3:$AE$6,AH3,$AF$3:$AF$6)","v":0},{"$f":"IF(AI3=0,AR3,INDEX(AR3:AR10,MATCH(AI3,AQ3:AQ10,1)+1))","v":"Prime"},{"$f":"INDEX(AN$2:AN$19,MATCH(AJ3,AM$2:AM$19,0))","v":1},null,"Specialist+",6,null,null,0,"Prime",null,0,"Prime / Near Prime Clear"]
[null,"Only used to determine Non-Conforming product eligibility. Enter data in the cells coloured red.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Non-Mortgage",null,"2025-08-31",null,null,null,null,"Mortgage",{"$f":"SUMIF($AE$3:$AE$6,AH4,$AF$3:$AF$6)","v":0},{"$f":"IF(AI4=0,AU3,INDEX(AU3:AU10,MATCH(AI4,AT3:AT10,1)+1))","v":"Prime / Near Prime Clear"},{"$f":"INDEX(AN$2:AN$19,MATCH(AJ4,AM$2:AM$19,0))","v":2},null,"Specialist",5,null,null,0.251,"Near Prime Clear",null,0.251,"Near Prime"]
[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,"2025-09-30",null,null,null,null,null,null,null,null,null,"Near Prime",4,null,null,1,"Near Prime Clear",null,1,"Specialist"]
[null,null,"Borrower",null,null,null,"<Enter borrower name>",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2025-10-31",null,null,null,null,null,null,null,null,null,"Near Prime Clear",3,null,null,2,"Near Prime",null,2,"Specialist+"]
[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,"2025-11-30",null,null,null,null,null,null,null,null,null,"Prime / Near Prime Clear",2,null,null,3,"Near Prime",null,3,"Specialist+"]
[null,null,"Lender",null,null,null,"<Enter the lender / creditor for Account #1>",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2025-12-31",null,null,null,null,null,null,null,null,null,"Prime",1,null,null,4,"Specialist",null,4,"Specialist+"]
[null,null,null,null,"Debt Type","Mortgage","<Select the debt type for Account #1>",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2026-01-31",null,null,null,null,null,null,null,null,null,null,null,null,null,5,"Specialist",null,5,"Specialist+"]
[null,null,"Current Balance",null,null,null,"<Enter the current loan balance owing or debt outstanding of Account #1>",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2026-02-28",null,null,null,null,null,null,null,null,null,null,null,null,null,6,"Specialist",null,6,"Specialist+"]
[]
[null,null,"Month","Amount Paid","Scheduled Monthly Payment","Monthly Arrears/Advance","Cumulative Arrears/Advance","Full Payments Arrears/Advance"]
[null,null,"2025-11-30",0,0,{"$f":"(E13-D13)","v":0},{"$f":"F13","v":0},{"$f":"IFERROR(G13/E13,\"\")","v":""}]
[null,null,{"$f":"EOMONTH(C13,1)","v":"2025-12-31"},null,{"$f":"E13","v":0},0,{"$f":"G13+F14","v":0},""]
[null,null,"2026-01-31",null,{"$f":"E14","v":0},0,0,""]
[null,null,"2026-02-28",null,{"$f":"E15","v":0},0,0,""]
[null,null,"2026-03-31",null,{"$f":"E16","v":0},0,0,""]
[null,null,"2026-04-30",null,{"$f":"E17","v":0},0,0,""]
[]
[]
[]
[null,null,"Total Arrears in Last 6 Months"]
[null,null,"Total Non-Mortgage Arrears",null,{"$f":"SUMIF(#REF!,\"Non-Mortgage\",#REF!)","v":{"$error":"#REF!"}}]
[null,null,"Total Mortgage Arrears",null,{"$f":"SUMIF(#REF!,\"Mortgage\",#REF!)","v":{"$error":"#REF!"}}]
[]
[null,null,"Product",null,{"$f":"INDEX('Arrears Calculator'!AM3:AM7,MATCH(MAX('Arrears Calculator'!AK3:AK4),'Arrears Calculator'!AN3:AN7,0))","v":"Prime / Near Prime Clear"},null,"Product displayed is a guide only, and subject to full credit assessment."]
[]
[]
[]
[]
[]
[null,null,"Pepper Product Impairment Matrix"]
[]
[null,null,"Non Mortgage Arrears #",null,null,"Mortgage Arrears #","Credit"]
[null,null,0,"Prime",null,0,"Prime / Near Prime Clear"]
[null,null,"0.01 - 1","Near Prime Clear",null,"0.01 - 0.25","Near Prime"]
[null,null,"1.01 - 3","Near Prime",null,"0.26 - 1","Specialist"]
[null,null,"More than 3","Specialist",null,"More than 1","Specialist+"]

{"sheet":"User Guide - Residential","index":9,"n_rows":43,"n_cols":2,"rows_kept":43,"cut":false,"hidden":false,"merged":[]}
["User Guide - Residential Serviceability Calculator"]
[]
["Field Name","Instruction"]
["Clear Form (BUTTON)","Allows the user to clear all input fields in the calculator"]
["Applicant Name","Applicants name"]
["Interest Rate Buffer","This field will default to Pepper interest rate buffer of 2%. Where the customer is eligible for a 1% interest rate buffer (refer to criteria), 1% should be selected in this field."]
["New Loan Amount","Mandatory field - Total loan amount including any capitalised fees. Two fields are available for where the customer has multiple loans or splits with varying interest rates or terms."]
["Interest Rate","Mandatory field - Actual interest rate of the proposed loan or split"]
["Loan Term","Mandatory field - The total loan term of the proposed loan (cannot exceed 30 years on Prime or 40 years on Near Prime or Specialist products)"]
["I/O Term","The interest only term of the proposed loan. Leave blank if not applicable (will not allow IO term to exceed 5 years)"]
["Status","Mandatory field - For each applicant of the loan, what is their marital status. Drop down selection of Single, Couple, Company. Note, if Company status all income will be calculated based on Company tax rates. "]
["Couple with","Mandatory field - Links applicants who are a couple for household income band selection for living expense benchmark. \nThis field must be correctly completed for both individuals of a couple, where one member of a couple is not correctly linked the living expense will be calculated as an additional couple living expense.\nDrop down selection N/A, Non-Loan Party or Applicant “X” when another Applicant is applied with a Couple status"]
["Dependents","Number of child dependents, aged < 18, the Applicant has. Each dependent child must only be entered once per couple. If a dependent is entered for both individuals of a couple, that dependent will be counted twice."]
["Gross Annual Income","The applicants income from acceptable taxable income sources"]
["Untaxed Allowable Income","Income from acceptable untaxed income sources such as Centrelink allowances. Tax is not calculated on this income"]
["Self Employed Income","Income from self-employed activities, this income is taxed at personal tax rates and should not be duplicated if this income has already been entered in Gross Annual Income. \nOptional Macro: Where the SEIC has been used and “Apply Values to Servicing Calculator” macro executed, this field will populate with the results from the SEIC"]
["Addbacks","Allowable addbacks to be entered such as depreciation or non-recurring expenses.\nOptional Macro: Where the SEIC has been used and “Apply Values to Servicing Calculator” macro executed, this field will populate with the results from the SEIC"]
["Business NPBT","Self employed income that is to be taxed at company tax rates."]
["Self-Employed Worksheet (BUTTON)","Takes user to the SEIC tab"]
["Gross Rental Income","Rental income entered at 100%. For the purposes of allowable income for serviceability, 80% of this income is used for servicing.  There are two sections for to be entered depending on eligbility or not for negative gearing of the associated investment property (refer to calculator notes for eligiblity criteria)."]
["Investment Loan Balance","This is the total balance of investment loans held by applicant. There are two sections for investment loans to be entered depending on its eligbility or not for negative gearing (refer to calculator notes for eligiblity criteria). \n"]
["Primary residence utilities, rates & expenses","Mandatory field - Include council rates, strata fees, water, gas & electricity utility bills and regular maintenance where applicable for the applicants primary resdience. Assessment should account for these expenses giving account to the type of property (location, house or unit and size). "]
["Primary residence land tax & FHB property tax","Mandatory field - Include any applicable Land Tax for the applicants primary place of residence. This also includes annual property tax payments due under the First Home Buyer Choice stamp duty scheme - the rate of this tax is $400 plus 0.3% of the property value (https://www.nsw.gov.au/initiative/first-home-buyer-choice)"]
["Investment property utilities, rates, strata fees & land tax","Mandatory field - Include council rates, water, gas & electricity utility bills, Body Corpoate or Strata Fees, Land Tax and regular maintenance where applicable for any investment properties or secondary residences owned or to be owned by the applicant. Assessment should account for these expenses giving account to the type of property (location, house or unit and size). "]
["Telephone, internet, Pay TV & media streaming","Mandatory field - Unless an applicant has a mobile phone supplied by their employer, it is expected that each applicant would have a mobile phone expense. If they have a home phone number, they may have a ‘bundle’ with a telco which includes internet."]
["Groceries","Mandatory field - It is expected that all applicants will have a grocery expense that is reasonable for their family unit size. "]
["Recreation & Entertainment","Mandatory field - It is expected that all applicants will have some form of recreation & entertainment cost. This includes alcohol, tobacco, gambling, restaurants and membership fees."]
["Clothing & Personal Care","Mandatory field - It is expected that all applicants will have clothing and personal care expenses that is reasonable for their family unit size. "]
["Medical & Health","Mandatory field - As an applicant’s age increase it is expected that medical and health costs will increase. In some case this cost may be $0 however given the customers circumstance it should be understood why through additional inquiry."]
["Transport","Mandatory field - It is expected that all applicants will have a transport cost that is reasonable for their assets and employment position. What are the running costs of each car owned including petrol and servicing or what are the costs of public transport where they commute for work. \nOne exception may be where an applicant has one car only which is provided by their employer or running costs are already include in novated lease payments."]
["Education - non Private schooling","Mandatory field - Where the applicant(s) has school aged children is the declared amount reasonable to cover public schools fees, uniform costs and books (if high school). "]
["Education - Private schooling","Mandatory field - Where the applicant(s) has school aged children that attend private schooles, is the declared amount reasonable to cover schools fees, uniform costs and books. "]
["Childcare ","Mandatory field - Where the applicant(s) has pre-school aged children and all applicants work, has a child care cost been included that is reasonable for the location accounting for any rebate that may be due. Where this is applicable and declared expense is $0 additional inquiry needs to be made."]
["Insurance - General basic","Mandatory field - Do the below insurances apply to the applicant(s) and have they been accounted for:\n- House owners with home insurance\n- Car owners (accounted for each car)"]
["Insurance - Health, Sickness, Personal Accident & Life","Mandatory field - Do the below insurances apply to the applicant(s) and have they been accounted for:\n- Private Health - particularly where income is > $90,000 and applicant is single or > $180,000 for families\n- Income and life insurance "]
["Other Living Expenses","Mandatory field - This is to capture unique items not covered for in the above categories that may be applicable to the applicant(s)."]
["Child & Spousal Maintenance","Regular payments made by the applicant(s) for child or spousal maintenance. "]
["Rent/Board","Rental or board expense paid by the customer."]
["Total Credit Card Limit","Total credit card limit of all continuing credit cards."]
["Other Mortgage Repayments","Mortgage repayments of any other continuing mortgage repayments."]
["Other Liabilities","Any other commitments the borrower has such as personal loans, HEC’s & BNPL. \nFor BNPL which have a Pay-in-X repayment the full repayment must be included. Where this causes serviceability to fail, the customer may want to consider paying out and closing the facility prior to settlement. \nWhere limit is >$2,000, or limit <=$2,000, include as a credit card expense. "]
["Eligible Loan Amount","Where the NSR = FAIL an offer as to the maximum loan amount the customer can qualify for to pass the minimum NSR of 1x or 1.25x if > 50% of income is from untaxed sources. Otherwise the applied loan amount is shown."]
["Maximum Serviceable Loan Amount","This is an indication of the maximum loan amount that the borrower can service. "]

{"sheet":"User Guide - Commercial","index":10,"n_rows":40,"n_cols":2,"rows_kept":40,"cut":false,"hidden":false,"merged":[]}
["CRE Servicing Calculator"]
[]
["Field Name","Instruction"]
["Clear Form (BUTTON)","Allows the user to clear all fields in the calculator"]
["Applicant name","Applicants name"]
["New Loan Amount","Mandatory field - total loan amount including any capitalised fees"]
["Interest Rate","Mandatory field - actual interest rate of the proposed loan"]
["Documentation Type","Mandatory field - identify whether FullDoc or AltDoc income documentation"]
["Loan Term (Years)","Mandatory field -  the total loan term of the proposed loan (maximum term 30 years)"]
["I/O Term (Years)","The interest only term of the proposed loan. Left blank if not applicable (maximum term 5 years allowed)"]
["Loan 1-4 Loan Amount","Outstanding loan amount of external business loan"]
["Loan 1-4 Rate","Current interest rate of external business loan"]
["Loan 1-4 Actual Loan Repayment (Monthly)","Current monthly loan repayments under contract for external business loan"]
["Net Profit before Tax","Net Profit Before Tax per annum from business activities of applicant"]
["Depreciation","Depreciation expense per annum from the business activities of applicant (obtained from Profit & Loss statements)"]
["Proposed Net CRE Rental Income","100% of CRE rental income after outgoings paid for by landlord"]
["Amortisation","Amortisation expense per annum from business activities of the applicant (obtained from Profit & Loss statements)"]
["Proposed Gross Residential Rental Income","100% of gross residential rental income if to be received by the business"]
["Interest Paid","Actual interest paid per annum from the business (obtained from Profit & Loss statements)"]
["Directors Salaries/Fees/Super","Actual Directors Salaries/Fees/Superannuation payments per annum paid by the business activities of the applicant (obtained from Profit & Loss statements/personal tax returns). CARE: do not duplicate in personal income"]
["Other","Actual expenses per annum which are non-recurring and are paid by the business activities of the applicant (obtained from Profit & Loss statements)"]
["Earnings before Interest, Tax, Depreciation & Amortisation (EBITDA)","Formula: Summation of all business income and addbacks subject to 80% (Proposed Gross residential Rental Income)"]
["Total Add Backs","Formula: Summation of all add backs"]
["Status","For each applicant of the loan, what is their marital status. "]
["Couple With","Links applicants who are a couple for household income band selection for living expense benchmark. This field must be correctly completed for both individuals of a couple, where one member of a couple is not correctly linked the living expense will be calculated as an additional couple living expense. Drop down selection N/A, Non-Loan Party or Applicant “X” when another Applicant is applied with a Couple status"]
["Dependents","Number of child dependents, aged < 18, the Applicant has. Each dependent child must only be entered once per couple. If a dependent is entered for both individuals of a couple, that dependent will be counted twice."]
["Gross Annual Income","Gross annual income of applicant from acceptable taxable income sources external to business income. Do NOT include Directors Fees/Salary/Super if included in addbacks."]
["Untaxed Allowable Income","Income from acceptable untaxed income sources. Tax is not calculated on this income."]
["Gross Residential Rental Income (Negative Gearing Eligible)\nAND\nGross Residential Rental Income (not eligible for Negative Gearing)","This is the total balance of investment loans held by applicant. There are two sections for investment loans to be entered depending on its eligbility or not for negative gearing (refer to calculator notes for eligiblity criteria. \nCare: do NOT enter if income has been included under Business Income."]
["Negative Gearing eligible Loan Balance (personal name)\nAND\nNegative Gearing eligible Loan Balance (personal name)","This is the total balance of investment loans held by applicant. There are two sections for investment loans to be entered depending on its eligbility or not for negative gearing (refer to calculator notes for eligiblity criteria). "]
["Declared Living Expenses","Total personal living expenses per month declared by the customer (sum of all applicants declared living expenses)"]
["Rent/Board","Rental or board expense paid by the customer."]
["Total Credit Card Limit","Total credit card limit of all continuing credit cards."]
["Personal Mortgage Repayments","Mortgage repayments of any Personal continuing mortgage repayments."]
["Other Consumer Debt","Any other commitments the borrower has such as personal loans, child support, HEC’s."]
["Business Income (EBITDA + net personal contribution)","Formula: EBITDA plus Net Personal Contribution "]
["Interest Expenses","Formula: Total Interest Expenses per annum for all business debt (Pepper and external), including existing and proposed business loans"]
["Debt Repayments","Formula: Total contracted business debt repayments per annum including Proposed loan (if applicable, would include P&I repayments over residual term after any interest only period)"]
["Debt Service Coverage Ratio (DSCR)","Formula: Business Income divided by debt repayments"]
["DSCR Outcome","Formula: All mandatory fields to be completed otherwise shows incomplete, where ICR < 1.00 then result is FAIL otherwise result is PASS"]

{"sheet":"User Guide - SEIC","index":11,"n_rows":28,"n_cols":2,"rows_kept":28,"cut":false,"hidden":false,"merged":[]}
["User Guide - Self Employed Income Calculator (SEIC)"]
[]
["Field Name","Explanation"]
["Clear Form (BUTTON)","Allows the user to clear all fields in the calculator"]
["Apply Values","Applies outputs from Self- employed income Calc into the Servicing Calculator"]
["Return to Calculator (BUTTON)","Returns to Servicing Calculator."]
["Financials for year ended Most Recent Year","Year financial year ends of financial statement period"]
["Financials for year ended Previous Year","Year financial year ends of financial statement period"]
["Gross Business Income","Gross business income off Profit and Loss statement"]
["Less Expenses","Total expenses including COGS from Profit and Loss statement"]
["Plus Superannuation over 9.5%","Discretionary superannuation paid >9.5% of wages from Profit and Loss statement"]
["Plus Depreciation","As advised in Profit and Loss statement"]
["Interest /Leasing Charges","As advised in Profit and Loss statement"]
["Ongoing Loan Repayments","Business loan repayments that will continue after the settlement of subject Pepper loan"]
["Director Wages Applicant 1","Wages paid to director"]
["Director Wages Applicant 2","Wages paid to director"]
["Director Wages Applicant 3","Wages paid to director"]
["Director Wages Applicant 4","Wages paid to director"]
["Director Wages Applicant 5","Wages paid to director"]
["Director Wages Applicant 6","Wages paid to director"]
["Applicants Entitlement/Applicant 1","% ownership of  this applicant of Business/Company or Trust"]
["Applicants Entitlement/Applicant 2","% ownership of  this applicant of Business/Company or Trust"]
["Applicants Entitlement/Applicant 3","% ownership of  this applicant of Business/Company or Trust"]
["Applicants Entitlement/Applicant 4","% ownership of  this applicant of Business/Company or Trust"]
["Applicants Entitlement/Applicant 5","% ownership of  this applicant of Business/Company or Trust"]
["Applicants Entitlement/Applicant 6","% ownership of  this applicant of Business/Company or Trust"]
["Apply Values (BUTTON)","Applies outputs from SELF employed income calc into residential Servicing calculator"]
["Return To Calculator (BUTTON)","Returns to Servicing Calculator Tab"]

{"sheet":"User Guide - SMSF","index":12,"n_rows":51,"n_cols":3,"rows_kept":51,"cut":false,"hidden":false,"merged":[]}
["SMSF Serviceability Calculator"]
[]
["Field Name","Instruction","Field type"]
["Clear Form (BUTTON)","Allows the user to clear all fields in the calculator","User entry"]
["SMSF Name","Name of the SMSF the application relates","User entry"]
["New Loan Amount","Mandatory field - total loan amount including any capitalised fees","User entry"]
["Interest Rate","Mandatory field - actual interest rate of the proposed loan","User entry"]
["Loan Term (Years)","Mandatory field -  the total loan term of the proposed loan (maximum term 30 years)","User entry"]
["I/O Term (Years)","The interest only term of the proposed loan. Left blank if not applicable (maximum term 5 years allowed)","User entry"]
["P&I Repayment ","Principal and interest repayment of the proposed loans ammortisation period","Calculated"]
["IO Repayment","Interest Only repayment of the proposed loan, if applicable","Calculated"]
["Superannuation guarantee","Amount Member receives from PAYG employment under the employer superannuation guarantee scheme. Verified through SMSF financials or PAYG income verification.","User entry"]
["PROPOSED CONCESSIONAL contributions","Amount Member intends to pay in addition to the Superannuation guarantee. This amount added with the Superannuation guarantee and PROPOSED CONCESSIONAL contributions values cannot exceed $30,000 for each member. For this amount to be considered, the Members personal financial information needs to be collected and verified and the Members Income & Expense section of the calculator completed. ","User entry"]
["EXISTING CONCESSIONAL contributions","Amount Member currently pays in addition to the Superannuation guarantee. This amount added with the Superannuation guarantee and PROPOSED CONCESSIONAL contributions values cannot exceed $30,000 for each member. For this amount to be considered, the Members personal financial information needs to be collected and verified and the Members Income & Expense section of the calculator completed. ","User entry"]
["Additional NON-CONCESSIONAL contributions","Amount Member does or intends to pay in addition to the Superannuation guarantee and any other conncessional contributions, where that total concessional amount will exceed $30,000. This amount cannot exceed $120,000. This amount added with the Superannuation guarantee value cannot exceed $30,000. For this amount to be considered, the Members personal financial information needs to be collected and verified and the Members Income & Expense section of the calculator completed. \nThe amount to be entered is post-tax which is calculated in the Members Income & Expense section. ","User entry"]
["Member Contibutions - Concessional","The combined value the Superannuation guarantee and Additional Concessional Contributions entered above. ","Calculated"]
["Member Contibutions - Non Concessional","The value Additional Non-Concessional Contributions entered above. ","Calculated"]
["Income on other SMSF investments","This is the return on investments currently owned by the SMSF and evidenced through the SMSF financials. This excludes any capitals gains and where the current investments will be liquidated to complete a property purchase, the returns will be adjusted to represent a return of the residual investment value being retained. An automatic allowance for investment return on the residual post-purchase superannuation investments, is allowed for up to RBA cash rate + 0.5% ROI","User entry"]
["Existing & Proposed Net Commercial Rental Income","100% of CRE rental income after outgoins paid for by landlord","User entry"]
["Existing & Proposed Gross Residential Rental Income","Enter 100% of gross residential rental income if to be received by the business. The calculator will shade this income by 20%","User entry"]
["Gross Income","A total of all SMSF income once haircuts are applied","Calculated"]
["Administration","Annual costs of administrating the SMSF. Pepper will apply a floor of $1500","User entry"]
["Other Mortgage Repayment (stressed)","Annual repayment of any existing SMSF mortgages buffer by 25%","Calculated"]
["Other P&L expenses","Any other ongoing expenses of the SMSF","User entry"]
["Total Expenses","A total of all SMSF expenses","Calculated"]
["SMSF Tax","15% Tax applying to the SMSF being\nGross income\nminus Member Contributions - Non Concessional (which have already been tax)\nminus Interest on the proposed loan (inclusive of interest rate loading)\nminus Interest on existing SMSF Mortgage (inclusive of other mortgage loading)","Calculated"]
["Total Loan Amount ","Total balances of any other mortgages held by the SMSF","User entry"]
["Monthly Repayment ","Total of actual repayment of any other mortgages held by the SMSF","User entry"]
["Interest Rate","Actual interest rate on any other mortgages held by the SMSF. Where multiple mortgage are held by the SMSF, interest rate to be weighted by loan balance of each loan. \nFormula = ((loan 1 balance x loan 1 interest rate)+(loan 2 balance x loan 2 interest rate) etc) / total of all loan balances","User entry"]
["SMSF Income after expenses & tax before interest","Gross Income less non-debt expenses less tax","Calculated"]
["Interest Expenses","Total SMSF Interest Expense per annum for all SMSF mortgages (Pepper and external)","Calculated"]
["Debt Repayments","Total SMSF debt repayments per annum including Proposed loan (if applicable, would include P&I repayments over residual term after any interest only period)","Calculated"]
["Interest Cover Ratio (ICR)","SMSF Income divided by Interest Expenses","Calculated"]
["Debt Service Coverage Ratio (DSCR)","SMSF Income divided by debt repayments","Calculated"]
["DSCR Outcome","Formula: All mandatory fields to be completed otherwise shows incomplete, where DSCR < 1.00 then result is FAIL otherwise result is PASS","Calculated"]
["Status","For each Member, what is their marital status. ","User entry"]
["Couple With","Links members who are a couple for household income band selection for living expense benchmark. This field must be correctly completed for both individuals of a couple, where one member of a couple is not correctly linked the living expense will be calculated as an additional couple living expense. Drop down selection N/A, Non-Loan Party or Applicant “X” when another Applicant is applied with a Couple status","User entry"]
["Dependents","Number of child dependents, aged < 18, the Member has. Each dependent child must only be entered once per couple. If a dependent is entered for both individuals of a couple, that dependent will be counted twice.","User entry"]
["Gross Annual Income","Gross annual income of member from acceptable taxable income sources external to business income. Do NOT include Directors Fees/Salary/Super if included in addbacks.","User entry"]
["Untaxed Allowable Income","Income from acceptable untaxed income sources. Tax is not calculated on this income.","User entry"]
["Gross Residential Rental Income (Negative Gearing Eligible)\nAND\nGross Residential Rental Income (not eligible for Negative Gearing)","This is the total balance of investment loans held by applicant. There are two sections for investment loans to be entered depending on its eligbility or not for negative gearing (refer to calculator notes for eligiblity criteria. \nCare: do NOT enter if income has been included under Business Income.","User entry"]
["Negative Gearing eligible Loan Balance (personal name)\nAND\nNegative Gearing eligible Loan Balance (personal name)","This is the total balance of investment loans held by applicant. There are two sections for investment loans to be entered depending on its eligbility or not for negative gearing (refer to calculator notes for eligiblity criteria. ","User entry"]
["Declared Living Expenses","Total personal living expenses per month declared by the customer (sum of all members declared living expenses)","User entry"]
["Rent/Board","Rental or board expense paid by the customer.","User entry"]
["Total Credit Card Limit","Total credit card limit of all continuing credit cards.","User entry"]
["Personal Mortgage Repayments","Mortgage repayments of any Personal continuing mortgage repayments.","User entry"]
["Other Consumer Debt","Any other commitments the member has such as personal loans, child support, HEC’s.","User entry"]
["Business Income (EBITDA + net personal contribution)","Formula: EBITDA plus Net Personal Contribution ","User entry"]
["Total Commitments (annualised)","The member total commitment","Calculated"]
["Available surplus for additional voluntary concessional contributions (capped at $30,000)","Surplus pre-tax member income after members expenses available to make additional contributions. Capped at $30,000","Calculated"]
["Available surplus for additional voluntary non-concessional contributions (capped at $120,000)","Surplus post-tax member income after members expenses and tax available to make additional contributions. Capped at $120,000","Calculated"]

{"sheet":"Assessment Notes - Residential","index":13,"n_rows":53,"n_cols":6,"rows_kept":53,"cut":false,"hidden":true,"merged":[[0,0,0,2],[0,3,0,5],[1,0,1,1],[1,3,1,5],[2,0,2,1],[2,3,2,5],[3,0,3,1],[3,3,3,5],[4,0,4,1],[4,3,4,5],[5,0,5,1],[5,3,5,5],[6,0,6,1],[6,3,6,5],[7,0,7,1],[7,3,7,5],[8,0,8,1],[8,3,8,5],[9,0,9,1],[9,4,9,5],[10,0,10,1],[10,3,10,5],[11,0,11,1],[11,3,11,5],[12,0,12,1],[12,3,12,5],[13,0,13,1],[13,3,13,5],[14,0,14,1],[14,3,14,5],[15,0,15,1],[15,3,15,5],[16,0,16,1],[16,3,16,5],[17,0,17,1],[17,3,17,5],[18,0,18,1],[18,3,18,5],[19,0,19,1],[19,3,19,5],[20,0,20,1],[20,3,20,5],[21,0,21,1],[21,3,21,5],[22,0,22,1],[22,3,22,5],[23,0,23,1],[23,3,23,5],[24,0,24,1],[24,3,24,5],[25,0,25,1],[25,3,25,5],[26,0,26,1],[26,3,26,5],[27,0,27,1],[27,3,27,5],[28,2,30,2],[28,3,30,5],[31,0,46,0],[31,1,33,1],[31,2,33,2],[31,5,32,5],[34,1,42,1],[34,2,42,2],[43,1,46,1],[43,2,46,2],[43,5,44,5],[47,3,47,5],[52,0,52,1],[52,3,52,5],[49,0,49,1],[49,3,49,5],[50,0,50,1],[50,3,50,5],[51,0,51,1],[51,3,51,5],[48,0,48,1],[48,3,48,5],[47,0,47,1]]}
["UNDERWRITER NOTES",null,null,"INSTRUCTIONS"]
["Loan Amount - Requested: ",null,null,"Loan amount requested by customer at application. "]
["Loan Amount - Approved:  ",null,null,"Loan amount approved as a result of this assessment."]
["LPF / MRF: ",null,null,"LPF or MRF applicable to the approved loan amount."]
["Loan Amount - Final:   ",null,{"$f":"C3+C4","v":0},"Loan amount including any capitalised fees. This amount is to be entered into the Servicing Calculator for credit assessment purposes. "]
["Security Estimate:",null,null,"Security value amount used for LVR calculation. "]
["LVR - Initial: ",null,{"$f":"C3/C6","v":{"$error":"#DIV/0!"}},"LVR based on loan amount before capitalised fees. "]
["LVR - Final: ",null,{"$f":"C5/C6","v":{"$error":"#DIV/0!"}},"Total LVR based on loan amount plus capitalised fees. "]
["Global Exposure if other loans held",null,null,"Total Loan Amount and Total LVR of all Pepper exposure held. If this is the only loan \"No other exposure held\""]
["NSR **Min. 1.35x when end LVR >90%**: ",null,null,{"$f":"ResiAssessmentNSR","v":0},"NSR based on total loan amount (plus capitalised fees if applicable). Cannot be < 1x or where LVR > 90% cannot be < 1.35x or where income from government support is > 50% of total income cannot be <1.25x. "]
["Customers Requirements & Objectives:",null,null,"Comment on what the customers objective with the loan purpose is and whether the proposed loan meets the product requirements captured on the CRO form. "]
["Customer Benefit:",null,null,"What advantage is the customer receiving from the loan purpose and does this match with the Customers Requirements and Objectives."]
["Product:",null,null,"Product that is recommended for approval. If this is different to what the customer has applied for then comment as to why it still meets the Customers Requirements and Objectives."]
["Interest Only? (If O/O then document reason): ",null,null,"Why the applicant is seeking interest only  and whether the reasons are reasonable based on customers requirements and objectives, the purpose of the loan and the customers circumstances.  "]
["Security Category:",null,null,"What is the security property location Category? If Prime and requires Metro category note here. "]
["High Density Area?",null,null,"Is the security property a unit in a high density postcode with more than 35 units?"]
["Fraud check:",null,null,"What is the outcome of the Equifax Fraud check in NextGen? If a match, to be referred to Senior or Team Leader to investigate the match. "]
["PEP & Sanctions check: ",null,null,"Is the applicant confirmed as being on the PEP or Sanctions register (not a potential match). If a match refer to dedicated team member for enhanced search. "]
["ID document is clear and valid? ",null,null,"Have the correct, clear  identification documents and Customer Identification form been completed correctly, signed?"]
["Company & Trust Loans (>25% Owned): ",null,null,"Non-individual entities: Has the correct information and documentation been collected to verify the customer to ensure we meet our AML obligations including the verification of identity of beneficial owners."]
["Adverse Credit History (incl loan arrears) assessment:",null,null,"Comment on the credit bureau file. Where there is an adverse listing what is the reason and why is it accepted. If there are numerous inquiries and the customer has stated no liabilities - what investigations were done and what was the outcome.  If there are items that don't match the profile of the customer e.g. customer aged 50 and new credit file, document investigations completed.  Is the information on the credit file consistent with the information provided in the customer's application form e.g. in relation to liabilities."]
["Applicant 1 Income:",null,null,"Summary about the applicant, job, how long employed, income and what documents were used to verify that income and employment.  Is income reasonable for the borrower's employment and age. If self employed what does the applicants business do. "]
["Applicant 2 Income:",null,null,"Summary about the applicant, job, how long employed, income and what documents were used to verify that income and employment.  Is income reasonable for the borrower's employment and age. If self employed what does the applicants business do. "]
["COVID Impact (Greater Sydney customers)",null,null,"Has the customer(s) income been affected by COVID lockdowns. If not ascertainable from the application informaton, additional inquiry needs to be made of the customer. If income has been affected, how does the customer intend on navigating that income deterioation until the lockdown is lifted and income recommences."]
["Exit Strategy",null,null,"If the applicants are older than 50 years of age and the loan term exceeds the standard retirement age (67) of the oldest income reliant borrower an exit strategy of how the borower(s) will continue to meet their repayment obligations must be obtained. The borrower(s) exit strategy must be documented and the credit notes included as to why the exit strategy has been deemed reasonable and consistent with Customer's requirements and objectives."]
["Rental Income:",null,null,"Comment on what rental income is received and used in assessment and how was it verified. "]
["Conduct assessed (Refinance):",null,null,"Refinance: Comment on conduct of any loans that are being refinanced and where adverse conduct exists why and mitigation. Confirm that 6 months statements held. "]
["Funds to complete (Purchase):",null,null,"Purchase: Comment on where the funds to complete are coming from and have been verified. Have 5% genuine savings been verified on Prime > 90%"]
["Declared Living Expense ",{"$f":"Residential!R45","v":0},null,"Comment on whether DLE or benchmark has been relied upon and assessment to be made as to whether or not the declared living expenses are realistic and if so why. Where a declared living expense appears unrealisitc, is zero, or the declared living expense are less than 80% of benchmark, additional inquiry must be made with the broker / borrower and subsequently assessed. If the ratio is substantially over 100%, check if applicant has not doubled up anywhere eg included finance cost on property categories. If bank statements are provided comment on how the transactions on those statement support the DLE."]
["Living Expense Benchmark",{"$f":"Residential!R44","v":0}]
["Declared Living Expense % of Benchmark",{"$f":"B29/B30","v":{"$error":"#DIV/0!"}}]
["Living expense assessment:","Property costs",null,{"$f":"Residential!G54","v":0},{"$f":"Residential!C54","v":"Primary residence utilities, rates, strata fees & expenses"},"Include council rates, water, gas & electricity utility bills and body corporate fees where applicable for property owned by the applicant. Assessment should account for these expenses giving account to the type of property (location, house or unit and size). This also includes annual property tax payments due under the First Home Buyer Choice stamp duty scheme - the rate of this tax is $400 plus 0.3% of the property value (https://www.nsw.gov.au/initiative/first-home-buyer-choice)"]
[null,null,null,{"$f":"Residential!G55","v":0},{"$f":"Residential!C55","v":"Primary residence land tax & FHB property tax"}]
[null,null,null,{"$f":"Residential!G56","v":0},{"$f":"Residential!C56","v":"Investment property expenses (negative gearing eligible pool)"},"Include water, gas & electricity bills if the applicant is renting. Assessment should account for these expenses giving account to the type of property (location and size). "]
[null,"Living Expenses",null,{"$f":"Residential!G58","v":0},{"$f":"Residential!C57","v":"Investment property expenses (negative gearing ineligible pool)"},"Unless an applicant has a mobile phone supplied by their employer, it is expected that each applicant would have a mobile phone expense. If they have a home phone number, they may have a ‘bundle’ with a telco which includes internet."]
[null,null,null,{"$f":"Residential!G59","v":0},{"$f":"Residential!C58","v":"Telephone, internet, Pay TV & media streaming"},"It is expected that all applicants will have a grocery expense that is reasonable for their family unit size. "]
[null,null,null,{"$f":"Residential!G60","v":0},{"$f":"Residential!C59","v":"Groceries"},"It is expected that all applicants will have some form of recreation & entertainment cost. This includes alcohol, tobacco, gambling, restaurants and membership fees."]
[null,null,null,{"$f":"Residential!G61","v":0},{"$f":"Residential!C60","v":"Recreation & Entertainment"},"It is expected that all applicants will have clothing and personal care expenses that is reasonable for their family unit size. "]
[null,null,null,{"$f":"Residential!G62","v":0},{"$f":"Residential!C61","v":"Clothing & Personal Care"},"As an applicant’s age increase it is expected that medical and health costs will increase. In some case this cost may be $0 however given the customers circumstance it should be understood why through additional inquiry."]
[null,null,null,{"$f":"Residential!G63","v":0},{"$f":"Residential!C62","v":"Medical & Health"},"It is expected that all applicants will have a transport cost that is reasonable for their assets and employment position. What are the running costs of each car owned including petrol and servicing or what are the costs of public transport where they commute for work. One exception may be where an applicant has one car only which is provided by their employer or running costs are already include in novated lease payments."]
[null,null,null,{"$f":"Residential!G67","v":0},{"$f":"Residential!C66","v":"Childcare"},"Do the below insurances apply to the applicant(s) and have they been accounted for:\n- House owners with home insurance\n- Car owners (accounted for each car)"]
[null,null,null,{"$f":"Residential!G68","v":0},{"$f":"Residential!C67","v":"Insurance - General Basic"},"Do the below insurances apply to the applicant(s) and have they been accounted for:\n- Private Health - particularly where income is > $90,000 and applicant is single or > $180,000 for families\n- Income and life insurance \n- Pet insurance "]
[null,null,null,{"$f":"Residential!G69","v":0},{"$f":"Residential!C68","v":"Insurance - Health, Sickness, Personal Accident & Life "},"This is to capture unique items not covered for in the above categories that may be applicable to the applicant(s)."]
[null,"Children",null,{"$f":"Residential!G64","v":0},{"$f":"Residential!C63","v":"Transport"},"Where the applicant(s) has school aged children is the declared amount reasonable to cover schools fees, uniform costs and books (if high school). Does the affluency of the applicant indicate that their children may attend a private school, if so, has this been declared by the customer. \n\n"]
[null,null,null,{"$f":"Residential!G65","v":0},{"$f":"Residential!C64","v":"Education – non Private schooling"}]
[null,null,null,{"$f":"Residential!G70","v":0},{"$f":"Residential!C69","v":"Other Living Expenses"}]
[null,null,null,{"$f":"Residential!G66","v":0},{"$f":"Residential!C65","v":"Education - Private schooling "},"Where the applicant(s) has pre-school aged children and all applicants work, has a child care cost been included that is reasonable for the location accounting for any rebate that may be due. Where this is applicable and declared expense is $0 additional inquiry needs to be made."]
["Valuation: ",null,null,"COS/Estimate $Amount Date \nVAL $Amount Date \nCAT \nResidential Zoning?\nEssential Repairs? \nRisk ratings XXXX \nComp Sales XXXX \nSelling period within six months? \nAddressed to Pepper in Lender Specific Info? \nComments\n\nAcceptable Security: Yes/No"]
["Other:"]
["Exceptions:",null,null," conclusion and "]
["Recommendation (if assessor is not the DCA approver):",null,null,"If approval recommendation:\nRecommend for Approval. I have made reasonable enquiries to verify that the product will not be unsuitable to the customers’ requirements and objectives and the loan will not cause the customer substantial hardship.  "]
["Approval note:\n",null,null,"If assessor is the approver:\nApproval granted under my DCA. I have made the assessment and confirm that reasonable enquiries to verify that the loan meets the customer's requirements and objectives, is not unsuitable and will not cause the customer substantial hardship. This approval is valid for 90 days. \nIf approver was not the assessor:\nApproval granted under my DCA. I have reviewed the assessment and confirm that reasonable enquiries to verify that the loan meets the customer's requirements and objectives, is not unsuitable and will not cause the customer substantial hardship. This approval is valid for 90 days. \nFinal assessment made at the time of final approval:\nApproval granted under my DCA. I have confirm that reasonable enquiries to verify the customers financial situation and that the loan meets the customer's requirements and objectives, is not unsuitable and will not cause the customer substantial hardship. This approval is valid for 90 days. "]
["ABN search(s)",null,null,"Space for ABN search if not copied directly into NextGen."]

{"sheet":"Assessment Notes - Commercial","index":14,"n_rows":63,"n_cols":3,"rows_kept":63,"cut":false,"hidden":true,"merged":[[52,0,52,1],[0,2,0,3],[41,0,41,2],[42,0,42,1],[43,0,43,1],[44,0,44,1],[46,0,46,2],[47,0,47,1],[48,0,48,1],[49,0,49,1],[50,0,50,1],[51,0,51,1],[61,1,61,2],[62,1,62,2],[55,1,55,2],[56,1,56,2],[57,1,57,2],[58,1,58,2],[59,1,59,2],[60,1,60,2]]}
["UNDERWRITER NOTES- Commercial",null,"INSTRUCTIONS"]
["Background",null,"Summary of applicants background and business operation.Borrowing History, Lender,Industry Type, Industry Outlook, Management Experience"]
["Purpose",null,"To state whether the asset will be owner occupied or Investment. What is the reason for the money being borrowed. ( ie refinance from XXXBank)"]
["Loan Amount:",null,"Loan amount approved as a result of this assessment"]
["Global Exposure",null,"Total Loan Amount of all Pepper exposure held. If this is the only loan state \"No other exposure held\""]
["Loan term. Interest Only Term",null,"Loan structure . Ie Total loan term and term of interest only"]
["Security Estimate:",null,"Security value amount used for LVR calculation. "]
["NCCP- Yes or No- ",null,"If answered YES use Residential underwriting template"]
["Asset Class",null,"Description of asset class of security. Office, Medical, Retail, Industrial, Industrial Land, Mixed Residential/Commercial, Child Care, Boarding Houses."]
["Address",null,"Address of property being offered as security"]
["Location- Cat 1 or 2",null,"What is the security Property location category?"]
["LVR:",null,"LVR based on loan amount"]
["ICR",null,"Interest cover ratio as per output of Servicing Calculator. Min 1.50 times for Full doc loan and 1.75 times for Alt doc loan"]
["DSCR ",null,"Debt Service ratio as per outcome of Servicing Calculator. **Min 1.25 times for both Full Doc and Alt doc loans."]
["Product:",null,"Product that is recommended for approval. If this is different to what the customer has applied for then comment as to why "]
["Rental Terms: ",null,"Has a tenancy schedule been completed and attached. Does lease term align with expiry of loan if rental forms >50% of total available income to service."]
["Valuation Reviewed. ",null,"Valuation reviewed and acceptable. Refer separate valuation review checklist. Please comment on industry that the tenant is involved in."]
["Fraud Check on Directors",null,"What is the outcome of the Equifax Fraud check in NextGen? If a match, to be referred to Senior Manager to investigate the match"]
["PEP & Sanctions checked:",null,"Is the director/s  confirmed as being on the PEP or Sanctions register (not a potential match). If a match refer to dedicated team member for enhanced search. "]
["ID Document is clear and valid",null,"Have the correct, clear  identification documents and Customer Identification form been completed correctly, signed?"]
["Company & Trust Loans - Beneficial owner with greater than 25% ownership: ",null,"Non-individual entities: Has the correct information and documentation been collected to verify the customer to ensure we meet our AML obligations including the verification of identity of beneficial owners."]
["Directors Guarantee",null,"Is a directors guarantee being taken as part of security?"]
["Guarantors/Sponsors Statement of position",null,"Summary of assets and liabilities of . State main assets (ie home, car, etc) Excess assets over liabilities. State how applicant could meet a call of the guarantee."]
["Supporting Income",null,"What entity and supporting income included in loan assessment"]
["Equifax /commercial search.",null,"Comment on the credit bureau file. Where there is an adverse listing what is the reason and why is it accepted. If there are numerous inquiries and the customer has stated no liabilities - what investigations were done and what was the outcome.  If there are items that don't match the profile of the customer e.g. customer aged 50 and new credit file, document investigations completed.  Is the information on the credit file consistent with the information provided in the customer's application form e.g. in relation to liabilities."]
["Is a PPSR being taken as part of our security.",null,"Does the equifax search reveal a registered interest. State why a party has a secured interest over applicants property and how this could effect our interest."]
["APP 1 Veda",null,"Comment on the credit bureau file. Where there is an adverse listing what is the reason and why is it accepted. If there are numerous inquiries and the customer has stated no liabilities - what investigations were done and what was the outcome.  Is the information on the credit file consistent with the information provided in the customer's application form e.g. in relation to liabilities."]
["Guarantor 1 Income checked:",null,"Summary about the applicant, job, how long employed, income and what documents were used to verify that income and employment.  Is income reasonable for the borrower's employment and age. If self employed what does the applicants industry do."]
["APP 2 Veda",null,"Comment on the credit bureau file. Where there is an adverse listing what is the reason and why is it accepted. If there are numerous inquiries and the customer has stated no liabilities - what investigations were done and what was the outcome.  Is the information on the credit file consistent with the information provided in the customer's application form e.g. in relation to liabilities."]
["Guarantor 2 Income checked:",null,"Summary about the applicant, job, how long employed, income and what documents were used to verify that income and employment.  Is income reasonable for the borrower's employment and age. If self employed what does the applicants industry do."]
["Conduct assessed (Refinance)",null,"Refinance: Comment on conduct of any loans that are being refinanced and where adverse conduct exists why and mitigation. Confirm that 6 months statements held. "]
["Funds to complete ( Purchase):",null,"Purchase: Comment on where the funds to complete are coming from and have been verified. "]
["Other:"]
["Exceptions:",null,"Identify any exceptions and mitigation for the exception approval.  Exceptions required to be approved by Challenger"]
["Exception Register updated",null,"Has the exception to correctly recorded."]
["Conditions Precedent and subsequent",null,"Conditions that are to be included as part of the loan conditions both prior to loan draw down and post loan drawdown."]
["Recommendation:",null,"Recommendation of the deal if not with your DCA \" This file is recommended for approval.\""]
["Joint Approvers Notes",null,"\" This file is jointly approved \" "]
["App1 ABN: "]
["App2 ABN: "]
[]
["COMPLIANCE: "]
["Privacy Dec held: "]
["CRO & Features required: "]
["Customer Identification Form: "]
[]
["SE CHECK COMPLETE:"]
["CUSTOMER ID'D:"]
["Confirm requirements and objectives and benefit:\nIn reviewing the application, your requirements are (a) interest only payments, (b) lowest interest rate and objectives are to purchase the property at ......(address); or (b) refinance the debt with (lender); and/or (c) consolidate debt (i), (ii), (iii) etc . Is this correct? Are there any other requirements and objectives?"]
["Business operated and how long:"]
["Income confirmed:\nDo you expect an increase or decrease in your income over the next 3 years.  If a decrease, describe events that would cause this and your strategy to maintain your repayments / details of your exit strategy."]
["Confirm loan amount, product, interest rate & repayment with the borrower:\nIf there is an indication on the application which suggests financials are available for the borrower, we need to question if they are available, therefore advising they are entitled to a different product (Full Doc)."]
["Any other info:"]
[]
[]
[]
[null,"ACCOUNTANT CHECK COMPLETE:"]
[]
[null,"Called XXXX (verified on TPB - registration number XXXX) on phone number XXXX (internet site)"]
[null,"Confirmed prepared accounts since year XXXX"]
[null,"20XX NPBT $___ Deductions $___"]
[null,"20XX NPBT $___ Deductions $___"]
[null,"Other:"]

{"sheet":"Assessment Notes - SMSF_x0009_","index":15,"n_rows":39,"n_cols":10,"rows_kept":39,"cut":false,"hidden":true,"merged":[]}
["UNDERWRITER NOTES- SMSF",null,"INSTRUCTIONS","COMMENTARY"]
["Purpose",null,"If the purpose is for Cash out, Equity Release, Debt consolidation , Property Improvement or the Sole Purpose test is not met the application is to be DECLINED.Loan purpose to be correctly reflected in NG",null,null,"Purchase O/O (Commercial Only)","Prime FD 50% $3.0M","Yes ","Retail","CAT 1 "]
["Product",null,"Product and LVR Bands",null,null,"Purchase Investment - Commercial","Prime FD >50-65% $3.00M","No ","Office","CAT 2"]
["Loan Amount",null,"Loan Amount",null,null,"Refinance O/O ( Commercial Only)","Prime FD >65-70% $3.00M",null,"Industrial","CAT 3 (Max 60% LVR of $750K). Refer Instructions for CAT 3"]
["Global Exposure",null,"Total Loan Amount of all Pepper exposure held. If this is the only loan state \"No other exposure held\". Max aggregate exp $7.0M",null,null,"Refinance Investment- Commercial","Prime FD >70-75% $ 2.50M",null,"Boarding House"]
["Funds to complete ( Purchase): Are FTC evidenced from SMSF transactional account.",null,"Funds to complete must be evidenced as being available in the members SMSF bank account. This to be evident prior to settlement. If not evident loan cannot proceed.",null,null,"Purchase Investment- Residential","Prime FD >75-80% (Resi Only) $2.0M",null,"Rooming House"]
["Loan term. Interest Only Term",null,"Loan structure . Ie Total loan term and term of interest only",null,null,"Refinance Investment - Residential","Near Prime FD 50% $3.0M",null,"Residential"]
["Is the SMSF a Complying Superannuation Fund.(Search the SMSF ABN)",null,"If answered NO application to be declined. Refer Super Fund ABN Look Up. https://superfundlookup.gov.au/ABN/View?id=65714394898. Reference Tax return or Trust deed dates and addresses.",null,null,null,"Near Prime FD >50-65% $3.00M"]
["Are Members related ?",null,"A member cannot be an employee of another member unless related.",null,null,null,"Near Prime FD >65-70% $3.00M"]
["Asset Class",null,"Description of asset class of security. Any other asset class not located in selection is unacceptable.",null,null,null,"Near Prime FD >70-75% $ 2.50M"]
["Has NG Security Tab been updated",null,"Update NG Security ",null,null,null,"Near Prime FD >75-80% (Resi Only) $1.50M"]
["Is security a single acquirable asset",null,"If the asset asset is not a single acquirable asset the transaction is to be declined."]
["Address",null,"Address of property being offered as security",null,null,null,"Residential",null,"Prime Lender- 6 months BBS"]
["Security Estimate:",null,"Security value amount used for LVR calculation. ",null,null,null,"Commercial - ",null,"Non Prime Lender - 12 mmonths BBS"]
["Location- CAT 1 2, or 3",null,"What is the security Property location category? If CAT 3 maximum LVR is 60% or $750K ( NSW, VIC, QLD, TAS/ACT) whichever is the lower.",null,null,null,null,null,"N/A - For purchase"]
["LVR:",null,"LVR based on loan amount",null,null,null,"Yes- Addition Income Addendum to be completed ","Yes"]
["DSCR ",null,"Debt Service ratio as per outcome of Servicing Calculator. **Min 1.25 times for both Full Doc and Alt doc loans.",null,null,null,"No","No- Unable to progress (Decline)"]
["Is property being rented Residential or commercial ",null,"If commercial and an executed lease not in existence assessment to include ability to meet loan commitments from existing liquidity of fund during vacancy. Vacancy period to be understood from valuation commentary."]
["Has application Fee be update ",null,"Refer rate card for application Fees"]
["Valuation Reviewed. ",null,"Valuation reviewed and acceptable. Refer separate valuation review checklist. Please comment on industry that the tenant is involved in."]
["Fraud Check on Directors/Members/Gtors and clear",null,"Is the outcome of the Equifax Fraud check in NextGen Clear? If a match, to be referred to Senior Manager to investigate the match"]
["PEP & Sanctions checked on Directors/Members/Gtors  and clear:",null,"Is the director/s  confirmed as being on the PEP or Sanctions register (not a potential match). If a match refer to dedicated team member for enhanced search. "]
["Has Customer Identification Form been reviewed for correctness.",null,"Check: Applicants Name, Address, Minimum Doc Requirements, Broker Declaration"]
["ID Document is clear and valid",null,"Have the correct, clear  identification documents and Customer Identification form been completed correctly, signed?"]
["Company & Trust Loans - Are all members directors of the SMSF Trust",null,"All SMSF members must be directors of the Corporate Trustee of the Superannuation Trust .Has the correct information and documentation been collected to verify the customer to ensure we meet our AML obligations including the verification of identity of beneficial owners."]
["Is the Trustee for both the Superannuation Trust and Bare ( Property Holding Trusts) corporate entities.",null,"If either of the Trustees of the SMSF Trust or Bare Trust are individuals we are unable to progress on this structure."]
["Does the SMSF have minimum $200,000 in assets",null,"This is a minimum requirement, Assets less than $200,000 are to be referred.Evidenced in Super statements"]
["Directors/Members  Guarantee",null,"All members must be a director of the SMSF and a guarantee be taken as part of security?"]
["Guarantors/Sponsors Statement of position. Is each member in a solvent financial position?",null,"Summary of assets and liabilities of . State main assets (ie home, car, etc) Excess assets over liabilities. State how applicant could meet a call of the guarantee."]
["Is additional supporting income from an individual member required.",null,"When required the individual member section of the calculator to be completed. An acknowledgment from the member that personal financial advice has been recieced and discussed with their advisor."]
["Equifax /commercial search.",null,"Does any member have adverse RHI data. Where there is an adverse listing what is the reason and why is it accepted.  Is the information on the credit file consistent with the information provided in the customer's application form e.g. in relation to liabilities."]
["Do all members have a clear credit report.",null,"Comment on the credit bureau file. Where there is an adverse listing what is the reason and why is it accepted. If there are numerous inquiries and the customer has stated no liabilities - what investigations were done and what was the outcome.  Is the information on the credit file consistent with the information provided in the customer's application form e.g. in relation to liabilities."]
["Does the SMSF service from historical known income streams",null,"Summary about the applicant, job, how long employed, income and what documents were used to verify that income and employment.  Is income reasonable for the borrower's employment and age. If self employed what does the applicants industry do."]
["Refinance- Do we hold refinance statements",null,"Refinance: Comment on conduct of any loans that are being refinanced and where adverse conduct exists why and mitigation. "]
["Refinance- Do we hold copy of the LRBA loan agreement being refinanced.",null,"Copy of loan agreement from outgoing lender to be obtained to allow Galilee to review."]
["Is privacy Consent held ( Check if electonically signed and obtain Docu Sign)",null,"If this is signed with an electonic signature obtain docu sign certifciate"]
["ABN Search- PAYG",null,"Confirm employer ABN if applicable"]
["ABN Search- Self Employed Applicants ",null,"When relying on additional income refer to standard CRE origination standard"]
["Is this a joint approval",null,"\" This file is jointly approved \" "]

{"sheet":"Loan Summary - SMSF","index":16,"n_rows":3,"n_cols":1,"rows_kept":3,"cut":false,"hidden":true,"merged":[]}
["Purpose"]
[]
["Income Summary"]

{"sheet":"Valuation Review Template","index":17,"n_rows":36,"n_cols":8,"rows_kept":36,"cut":false,"hidden":true,"merged":[]}
["Valuation Review template V Feb 24",null,null,"Assessors Comments/Mitigants ( If required)","Instructions"]
[]
["Property Address:"]
["Valuation Instructed by Pepper",null,null,null,"Has Valuation report been instructed by Pepper.",null,"Yes","Direct Comparison"]
["Valuation Address:",null,null,null,"Confirm that address in NG & aligns with with valuation address .",null,"No","Capitalisation"]
["Title Particulars:  ",null,null,null,"Confirm title particulars match with Valuation & NG. Does the title search not any incumberences or Caveats that may pose an adverse effect on our security ",null,null,"Tenant"]
["Client Name",null,null,null,"Does name on valuation and Applicant align?",null,"Retail","Landlord"]
["Conforming Zoning: ",null,null,null,"Check the zoning and that the improvement is comforming or has existing use rights.",null,"Commercial"]
["Zoning",null,null,null,"Does the zoning in NG (security TAB reflect the valuation zoning?",null,"Industrial"]
["Property Type (Updated in NG)",null,null,null,"Update NG with the correct Property Type",null,"Residential"]
["Current Property Use Acceptable",null,null,null,"Review valuers comments regarding properties existing use. Is the existing use within Pepper's acceptable purposes. "]
["Valuation Amt Exclisive of GST",null,null,null,"If Valuation returns lower than OEMV and LVR band increases liaise with Broker and obtain confirmation of new loan ",null,"Yes"]
["Valuation Approach: Primary Type.",null,"Direct Comparison",null,"Ensure that 2 Valuation methods have been adopted. Options - Direct Comparison, Income Capitalisation or Summation",null,"No "]
["Have Valuers calculations be checked",null,null,null,"Ensure Valuers calculations are accurate"]
["LVR:    ",null,null,null,"Ensure the LVR Band is within guidelines if LVR changes",null,"N/A- Refinance/Equity Release"]
["Cap. Rate: ",null,null,null,"If Valuer has used Income Capitalisation as a Primary / Secondary method, what is the rate? Have they provided comparable sales evidence within the range? If not, have they provided commentary on why comparables havent been provided?"]
["Sales evidence rate range:",null,null,null,"Does the proposed securities rate range fit between the Comparables"]
["Are the Sales evidence within 6 months:",null,null,null,"Make commentary on whether the sales are within 6 months and if not what the Valuer has made commentary on"]
["Are the Sales evidence within 10%:",null,null,null,"Make commentary on whether the sales are within 10% of the M/V and if not what the Valuer has made commentary on"]
["Lease Income (gross): ",null,null,null,"Does the proposed lease income in DSC align with the market income that the Valuer has provided"]
["Outgoings: ( Who is responsible).  ",null,null,null,"Are the outgoings paid by the tenant / landlord?"]
["Rental evidence rate range:",null,null,null,"Note the rental rate range. Does the rate for the proposed security fit within the range?"]
["Risk ratings: Are there medium /High Risk Rating",null,null,null,"If there are Medium to High risk ranges further commentary is required to mitigate and accept the risk. "]
["Selling Period < 6 mths:  ",null,null,null,"If the selling period is above 6 months further investigation is required."]
["Reliant Parties: ",null,null,null,"Ensure that all reliant parties are noted on the Valuation report - Refer below"]
["Enviro Checklist: ",null,null,null,"Ensure that this has been completed and no contamination issues are presented"]
["Acceptable Security: ",null,null,null,"Is this proposed security acceptable. "]
["Additional Documents to be sighted:",null,null,null,"Valuer will make commentary on whether Pepper will need to source additional documentation "]
["Cladding:",null,null,null,"Does the property have aluminium cladding. If so, we need confirmation that the product utilised meets Australian standards."]
["Insurance policy: Added to NG",null,null,null,"If property is not strata'd add Insurance policy condition as a condition subsequent and note the Insurance replacement figure."]
["Contract of Sale:",null,null,null,"Is the Contract Of Sale executed / Notes Purchase Price & reflects the applicant details?"]
[]
[]
["CRE Reliant parties:"]
[]
["Pepper Group Limited, \nPepper Finance Corporation Limited, \nBTA Institutional Services Australia Limited, \nBNY Trust Company of Australia Limited, \nPepper Home Loans Pty Limited, \nWestpac Banking Corporation, \nChallenger Life Company Limited"]

{"sheet":"Cashflow Sensitivity Model","index":18,"n_rows":35,"n_cols":12,"rows_kept":35,"cut":false,"hidden":true,"merged":[[1,3,1,5]]}
["Cashflow Sensitivity Model",null,"Actuals","Best Case","Mid Case","Worst Case"]
[null,null,null,"Reductions in Sales of",null,null,null,null,null,null,null,"Scenarios"]
[null,null,null,0.1,0.25,0.5,"Select",null,null,null,null,"1. reduction in sales volume"]
["Sales",null,500,{"$f":"$C4*(1-D3)","v":450},{"$f":"$C4*(1-$E$3)","v":375},{"$f":"$C4*(1-$F$3)","v":250},"Enter actual sales in highlighted cell",null,null,null,null,"2. reduction in sales prices"]
[null,null,null,null,null,null,null,null,null,null,null,"3. both 1 and 2"]
["COGS",null,{"$f":"C4-C7","v":200},{"$f":"D4-D7","v":202.49999999999997},187.5,137.5]
["Gross Profit $",null,{"$f":"C8*C4","v":300},{"$f":"D8*D4","v":247.50000000000003},187.5,112.5]
["Gross Profit Margin %",null,0.6,0.55000000000000004,0.5,0.45,"Select"]
[]
["Other Variable Expenses"]
["Advertising & Marketing",null,5,{"$f":"$C11*(1-$D$3)","v":4.5},{"$f":"$C11*(1-$E$3)","v":3.75},{"$f":"$C11*(1-$F$3)","v":2.5}]
["Sub-Total",null,{"$f":"SUM(C10:C11)","v":5},{"$f":"SUM(D10:D11)","v":4.5},{"$f":"SUM(E10:E11)","v":3.75},{"$f":"SUM(F10:F11)","v":2.5}]
[]
["Fixed Expenses"]
["Salaries & Wages",null,1,1,1,1]
["Insurances",null,2,2,2,2]
["Superannuation",null,3,3,3,3]
["Property Expenses",null,4,4,4,4]
["Maintenance",null,5,5,5,5]
["Office Supplies",null,6,6,6,6]
["Professional Services",null,7,7,7,7]
["Interest",null,8,8,8,8]
["Leasing",null,9,9,9,9]
["Transport Costs",null,10,10,10,10]
["LHP",null,11,11,11,11]
["Sub-Total",null,{"$f":"SUM(C14:C25)","v":66},{"$f":"SUM(D14:D25)","v":66},66,66]
[]
["NPBT",null,{"$f":"C4-C6-C26-C12","v":229},{"$f":"D4-D6-D26-D12","v":177.00000000000003},117.75,44]
["NPBT %",null,{"$f":"C28/C4","v":0.45800000000000002},{"$f":"D28/D4","v":0.39333333333333342},{"$f":"E28/E4","v":0.314},{"$f":"F28/F4","v":0.17599999999999999}]
["NPAT",null,{"$f":"C28-C29","v":228.542},{"$f":"D28-D29","v":176.60666666666668},117.43600000000001,43.823999999999998]
[]
[]
["% Reduction in Sales",null,null,{"$f":"D3","v":0.1},{"$f":"E3","v":0.25},0.5]
["% Change in GP Ratio",null,null,{"$f":"(D8-C8)/C8","v":-8.3333333333333232E-2},{"$f":"(E8-D8)/D8","v":-9.0909090909090981E-2},-9.9999999999999978E-2]
["% Change in NPBT",null,null,{"$f":"(D28-C28)/C28","v":-0.22707423580786013},{"$f":"(E28-C28)/C28","v":-0.48580786026200873},{"$f":"(F28-C28)/C28","v":-0.80786026200873362}]

{"sheet":"Rental Schedule","index":19,"n_rows":20,"n_cols":30,"rows_kept":20,"cut":false,"hidden":true,"merged":[[26,0,26,3],[1,0,1,1],[2,0,2,1],[22,0,22,3],[23,0,23,3],[25,0,25,3]]}
["Property Schedule"]
["Borrowers' name(s): "]
["Application number(s): "]
["Property Address","Owner(s)","% owned - Borrower 1","% owned - Borrower 2","% owned - Borrower 3","% owned - Borrower 4","Estimated value","Estimated rental","Rent period - select from list","Gross Annual Rent - Note 4.","Investment Loan Balance","Borrower 1 rental share - transfer to DSC","Borrower 2 rental share - transfer to DSC","Borrower 3 rental share - transfer to DSC","Borrower 4 rental share - transfer to DSC","Borrower 1 loan share - transfer to DSC","Borrower 2 loan share - transfer to DSC","Borrower 3 loan share - transfer to DSC","Borrower 4 loan share - transfer to DSC","Actual Interest %","Int deduction $ - Borrower 1","Int deduction $ - Borrower 2","Int deduction $ - Borrower 3","Int deduction $ - Borrower 4"]
[null,null,null,null,null,null,null,null,"Weekly",{"$f":"IF(I5=$AD$5,H5*52, IF(I5=$AD$6,H5*26, IF(I5=$AD$7,H5*12,\" \")))","v":0},null,{"$f":"J5*C5","v":0},{"$f":"J5*D5","v":0},{"$f":"J5*E5","v":0},{"$f":"J5*F5","v":0},{"$f":"K5*C5","v":0},{"$f":"K5*D5","v":0},{"$f":"K5*E5","v":0},{"$f":"K5*F5","v":0},null,{"$f":"T5*P5*C5","v":0},{"$f":"T5*Q5*D5","v":0},{"$f":"T5*R5*E5","v":0},{"$f":"T5*S5*F5","v":0},null,null,null,null,null,"Weekly"]
[null,null,null,null,null,null,null,null,"Weekly",{"$f":"IF(I6=$AD$5,H6*52, IF(I6=$AD$6,H6*26, IF(I6=$AD$7,H6*12,\" \")))","v":0},null,0,0,{"$f":"J6*E6","v":0},{"$f":"J6*F6","v":0},0,0,{"$f":"K6*E6","v":0},{"$f":"K6*F6","v":0},null,{"$f":"T6*Q6*C6","v":0},0,{"$f":"U6*R6*E6","v":0},0,null,null,null,null,null,"Fortnightly"]
[null,null,null,null,null,null,null,null,"Weekly",{"$f":"IF(I7=$AD$5,H7*52, IF(I7=$AD$6,H7*26, IF(I7=$AD$7,H7*12,\" \")))","v":0},null,0,0,0,0,0,0,0,0,null,{"$f":"T7*Q7*C7","v":0},0,0,0,null,null,null,null,null,"Monthly"]
[null,null,null,null,null,null,null,null,"Weekly",0,null,0,0,0,0,0,0,0,0,null,{"$f":"T8*Q8*C8","v":0},0,0,0,null,null,null,null,null,"Annually"]
[null,null,null,null,null,null,null,null,"Weekly",0,null,0,0,0,0,0,0,0,0,null,{"$f":"T9*Q9*C9","v":0},0,0,0]
[null,null,null,null,null,null,null,null,"Weekly",0,null,0,0,0,0,0,0,0,0,null,{"$f":"T10*Q10*C10","v":0},0,0,0]
[null,null,null,null,null,null,null,null,"Weekly",{"$f":"IF(I11=$AD$5,H11*52, IF(I11=$AD$6,H11*26, IF(I11=$AD$7,H11*12,\" \")))","v":0},null,{"$f":"J11*C11","v":0},{"$f":"J11*D11","v":0},{"$f":"J11*E11","v":0},{"$f":"J11*F11","v":0},{"$f":"K11*C11","v":0},{"$f":"K11*D11","v":0},{"$f":"K11*E11","v":0},{"$f":"K11*F11","v":0},null,{"$f":"T11*Q11*C11","v":0},{"$f":"T11*Q11*D11","v":0},{"$f":"U11*R11*E11","v":0},{"$f":"V11*S11*F11","v":0}]
[null,null,null,null,null,null,null,null,"Weekly",0,null,0,0,0,0,0,0,0,0,null,0,0,0,0]
[null,null,null,null,null,null,null,null,"Weekly",0,null,0,0,0,0,0,0,0,0,null,0,0,0,0]
[null,null,null,null,null,null,null,null,"Weekly",0,null,{"$f":"J14*C14","v":0},{"$f":"J14*D14","v":0},0,0,{"$f":"K14*C14","v":0},{"$f":"K14*D14","v":0},0,0,null,{"$f":"T14*Q14*C14","v":0},{"$f":"T14*Q14*D14","v":0},0,0]
[null,null,null,null,null,null,null,null,"Weekly",0,null,{"$f":"J15*C15","v":0},{"$f":"J15*D15","v":0},0,0,{"$f":"K15*C15","v":0},{"$f":"K15*D15","v":0},0,0,null,{"$f":"T15*Q15*C15","v":0},{"$f":"T15*Q15*D15","v":0},0,0]
[null,null,null,null,null,null,null,null,"Weekly",{"$f":"IF(I16=$AD$5,H16*52, IF(I16=$AD$6,H16*26, IF(I16=$AD$7,H16*12,\" \")))","v":0},null,{"$f":"J16*C16","v":0},{"$f":"J16*D16","v":0},0,0,{"$f":"K16*C16","v":0},{"$f":"K16*D16","v":0},0,0,null,{"$f":"T16*Q16*C16","v":0},{"$f":"T16*Q16*D16","v":0},0,0]
[null,null,null,null,null,null,null,null,"Weekly",0,null,0,0,0,0,0,0,0,0,null,0,0,0,0]
[null,null,null,null,null,null,null,null,"Weekly",0,null,0,0,0,0,0,0,0,0,null,0,0,0,0]
[null,null,null,null,null,null,null,null,"Weekly",0,null,0,0,0,0,0,0,{"$f":"K19*E19","v":0},{"$f":"K19*F19","v":0},null,0,0,0,0]
["TOTALS",null,null,null,null,null,{"$f":"SUM(G5:G19)","v":0},{"$f":"SUM(H5:H19)","v":0},null,{"$f":"SUM(J5:J19)","v":0},0,0,0,0,0,null,{"$f":"SUM(Q5:Q19)","v":0},{"$f":"SUM(R5:R19)","v":0},0,null,{"$f":"SUM(U5:U19)","v":0},{"$f":"SUM(V5:V19)","v":0},{"$f":"SUM(W5:W19)","v":0},0]

{"sheet":"Workings","index":20,"n_rows":1,"n_cols":1,"rows_kept":1,"cut":false,"hidden":true,"merged":[[0,0,0,6]]}
["Loan Affordability Calculator"]

{"sheet":"Jackson Data Entry","index":21,"n_rows":21,"n_cols":16,"rows_kept":21,"cut":false,"hidden":true,"merged":[]}
["Serviceability Test Rate",{"$f":"ResiWAVGAssessmentRate","v":"<Select Int Rate Buffer>"}]
["Actual NSR",{"$f":"ResiActualNSR","v":0}]
["Stressed NSR",{"$f":"ResiAssessmentNSR","v":0}]
["Actual DSR",{"$f":"Residential!E84","v":"-"}]
["Stressed DSR",{"$f":"Residential!M84","v":"-"}]
["Declared LE",{"$f":"Residential!E45","v":0}]
["LE Benchmark",{"$f":"Residential!R44","v":0}]
["Gross pre-shaded income",{"$f":"SUM(Residential!E19:E23,Residential!G19:G23,Residential!I19:I23,Residential!K19:K23,Residential!M19:M23,Residential!O19:O23,Residential!E26,Residential!G26,Residential!I26,Residential!K26,Residential!M26,Residential!O26)","v":0}]
["Primary Income",{"$f":"ResiTotalIncome","v":0}]
["Living Cost (Monthly)",{"$f":"Residential!M78","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"x`"]

{"sheet":"Version Control","index":22,"n_rows":54,"n_cols":6,"rows_kept":54,"cut":false,"hidden":true,"merged":[]}
["Version","Created date","Date Effective","Created By","Approved By","Change"]
[2.5,null,null,null,null,"Assessment rate +1.00%\nCredit Card assess @2.00% of limit\nLiving Expenses:\nSingle - $10,650\nJoint - $15,480\nAdditional Adult - $3,500\nAdditional Children - $3,740\nRental Income – 85% of gross\n"]
[2.6,null,null,null,null,"Assessment rate +1.00%\nCredit Card assess @2.00% of limit\nLiving Expenses:\nSingle - $10,650\nJoint - $15,480\nAdditional Adult - $4,830\nAdditional Children - $3,740\nRental Income – 85% of gross\n"]
[2.7,null,null,null,null,"Assessment rate +1.00%\nCredit Card assess @2.00% of limit\nLiving Expenses:\nSingle - $10,650\nJoint - $15,480\nAdditional Adult - $3,500\nAdditional Children - $3,740\nRental Income – 85% of gross\n"]
[2.8]
[2.9,2008,null,null,null,"Assessment rate +1.50%\nCredit Card assess @2.00% of limit\nLiving Expenses:\nSingle - $11,500\nJoint - $16,500\nAdditional Adult - $5,000\nAdditional Children - $4,200\n"]
[3.2,2008,null,null,null,"Assessment rate +1.50%\nCredit Card assess @2.00% of limit\nLiving Expenses:\nSingle - $12,750\nJoint - $18,250\nAdditional Children - $4,600\n"]
[3.7,"2011-01-28",null,null,null,"Assessment rate +2.00%\nCredit Card assess @2.00% of limit\nLiving Expenses:\nSingle - $14,400\nJoint - $20,400\nAdditional Adult - $14,000\nAdditional Children - $5,240\nRental Income – 85% of gross\nOther Mortgage Payments – Actual Other Liabilities – Actual\n"]
[4.2]
[4.3,null,null,null,null,"Assessment rate +2.00%\nCredit Card assess @2.00% of limit\nLiving Expenses:\nSingle - $15,564\nJoint - $22,620\nEach Dep Child - $5,520\nRental Income – 100% of gross\nOther Mortgage Payments – Actual Other Liabilities – Actual\n"]
[4.5,null,null,null,null,"Assessment rate +2.00%\nCredit Card assess @2.00% of limit\nLiving Expenses:\nSingle - $15,564\nJoint - $22,620\nEach Dep Child - $5,520\nRental Income – 100% of gross\nOther Mortgage Payments – Actual Other Liabilities – Actual\n"]
[4.5999999999999996,null,null,null,null,"Assessment rate +2.00%\nCredit Card assess @2.00% of limit\nLiving Expenses:\nSingle - $15,564\nJoint - $22,620\nEach Dep Child - $5,520\nRental Income – 100% of gross\nOther Mortgage Payments – Actual Other Liabilities – Actual\n"]
[4.92,"2015-09-01",null,null,null,"Assessment rate +2.00% or Floor of 7.20%\nCredit Card assess @3.00% of limit\nLiving Expenses:\nSingle - $15,564\nJoint - $26,724\nAdditional Children - $5,520\nRental Income – 80% of gross\nOther Mortgage Payments - +20%\nOther Liabilities – Actual\n"]
[4.93]
[4.9400000000000004]
[4.96]
[4.97,"2018-03-18","2018-05-28","Neil Culkin","Neil Culkin","Version control added\nAdopted LIXI+ living expense categorisation. \nRemoved mandatory fields for living expenses (broker version only)\nAdded FY2018 tax rates (brackets 3 & 4 income ranges)\nUpdated HPI per latest rates (Q4 2017) from Melbourne Institute \nNegative gearing benefit removed for Untaxed income and Add Backs (F39 & F40)\nP&I repayment now being quoted (E55 & E57)\nRepayment formula’s updated to PMT (I8 & J8)\nMandatory entry of cells for living expenses removed as broker get confused when not applicable. E29 & F29 deleted and B40 changed from 8 to 7 (“rates” sheet)\nAdded comments, extracts from and links to the ATO website in the ‘rates’ tab to explain that there are separate 2 calculations at play, now reflected in the tax calculation (I32:I37) for the broker version:\n Tax Offset for Low income earners\n Medicare levy calculation and Medicare Levy reduction for Low Income earners\n\n"]
[4.97,"2018-05-28","2018-05-28","Neil Culkin","Neil Culkin","Cell D9 amended from \"Loan Term:\" to \"Loan Term (years)\""]
[4.9800000000000004,"2018-07-17","2018-08-13","Neil Culkin","Neil Culkin","Cell B8 now includes commentary that loan amount includes capitalised fee (effective 16/7/2018)\nRequirement for DSR < 50% removed to align with policy\nNSR must be at least 1.35x for LVR > 90%"]
[4.9809999999999999,null,"2018-10-15",null,null,"New internal loan assessment template"]
[5,null,"2019-01-01","Neil Culkin","Credit Committee","Calculator restructured to cater for 2018 Q1 HEM Living Expense\nCRE calculator created\nOther mortgage repayments will be loaded by 25% up from 20%\nIncome for 32.5% tax bracket increase from $87,000 to $90,000\nNegative gearing calculation rate increased to 4.8% to match market offer\n"]
[5.0999999999999996,"2019-04-04","2019-04-17","Devika Dharmapalan ","Neil Culkin","1) A pop up box is to appear on the calculator in the below highlighted area if: The customer declared living expenses (cell R41) is less than 90% of the benchmark (cell R40) AND NSR (cell M75) < 1.5x OR The assessed NSR (cell M75) is ≥1.00 and ≤1.10x AND R40 > R41 The message is to state “To assist Pepper in verifying the customer living expenses, please provide last 3 months transaction bank statements”\n2) Set to True,  \"Is An Applicant\" Cell in both Residential and CRE Tabs, when an applicant exsist but income column is blank or zero\n3) Change Tab Name \"CRE\" to \"Commercial\" and change the heading from \"CRE Serviciability Calculator\" to \"Commercial Servicability Calculator\"\n4) Add new Tab \"Assessment Notes - Commercial\"\n5) Change Tab Name \"Assessment Notes\" to \"Assessment Notes - Residential\"\n6) Change Tab Name \"User Guide - CRE\" to \"User Guide Commercial\"\n7) Change All Macrose to Refer \"Commercial\" tab instead of \"CRE\"\n8) Remove \"Lease Doc\" option from Documnetation Type Field in \"Commercial Tab\"\n9) Devika added the contents provided by Paul Dean to \"Assessment Notes -Commercial\"\n10) Commercial tab - Cell E,G,I,K 52 amended to use income as E,G,I,K 47 less tax instead of E,G,I,K 66. Total taxable Income has to do with the income bracket used to determine the corresponding HEM living expense whereas the total income is what should be used for servicing\n11) Eligible and maximum borrowing amounts (M82 & M83) to note minimum amount of $0"]
[5.2,"2018-06-05",null,"Neil Culkin","Credit Committee","1) BBS & BAS calculator updated\n2) Credit card repayment calculation amended from 3% to 3.82% which as a proxy for assessing a credit card limit being ammortised over 3 years at an interest rate of 22%"]
[5.3,"2019-09-23","2019-10-01","Mick Sedgers","Neil Culkin","1. Reduce Assessment benchmark interest rate to 5.85% (Floor Rate) and Assessment buffer to be increased to 2.50%.\n2. reduce the negative gearing interest rate to 4.06%"]
[5.4,"2020-01-06","2020-03-30","Neil Culkin ","Neil Culkin","1. Living Expense Benchmark updated to HEM Q4 2019\n2. Adjusted Company Tax rate from 30% to 27.5%. This applies to companies with turnovers < $50m which aligns to the Pepper customer profile. \n3. Adjusted CRE ICR & DSCR ratio's changed to 3 decimal places to allow for rounding to the required ICR & DSCR which is on a two declimal point basis. \n4. Fix error: DSR calculation was deducting rental expense (cell M50) from the numerator in the calculation on a monthly basis instead of annual resulting in a over-statement of debt in the calculation. Amended to annual figure.\n5. Reduce the negative gearing interest rate to 3.67%"]
[5.5,"2020-06-22","2020-07-01","Neil Culkin","Neil Culkin","1. Removal of Self employed 1.25 NSR requirement in notes\n2. Adjustment of Company tax from 27.5% to 26% for FY21 tax rates\n3. Addition of Trust question in underwriter templates\n4. Correction in Rental Schedule to calculate share for DSC from 100% column J) and not buffered (column L).\n5. Addition to Rental Schedule to calculate Investment Loan amount for each borrower (columns O & P)\n5. Add 2 additional borrowers in rental Schedule"]
[5.6,"2020-09-10","2020-09-17","Neil Culkin","Neil Culkin","1. Reduce Assessment benchmark interest rate to 5.50% (Floor Rate)\n2. Living Expense Benchmark updated to HEM Q2 2020"]
[5.7,"2020-10-23","2020-11-12","Devika Dharmapalan ","Neil Culkin","1. Updated FY 2021 personal tax rates\n2. Ability to enter to Pepper loan amounts for serviceability (Residential)\n3. Re-introduction of construction loan NSR requirement note\n4. CRE Better Choice calculator with ICR/DSCR \"Refer to BDM\" message\n5. Business name entered to SEIC sheet"]
[5.8,"2021-05-24","2021-08-16","Neil Culkin","Neil Culkin","1. Living Expense Benchmark updated to HEM Q1 2021\n2. Reduce negative gearing interest rate to 3.29%\n3. Correction in Maximum Serviceable Loan Amount formula as the maximum IO term was being conservatively applied to all splits. \n4. Updated Compant Tax rate from 26.00% to 25.00% \n5. Assessment note template changes to include Greater Sydney COVID impact assessment and change Credit File Summary to adverse credit assessment"]
["5.8a","2021-08-26","2021-08-26","Neil Culkin","Neil Culkin","1. Addition of Jackson Data Entry tab (Internal Credit Version only)"]
["5.8b","2021-08-30","2021-08-30","Neil Culkin","Neil Culkin","1. COVID Impact Assessment expanded to include VIC (Internal Credit Version only)"]
["5.8c","2021-12-02","2021-12-02","Neil Culkin","Neil Culkin","1. COVID Impact Assessment removed (Internal Credit Version only)"]
["5.8d","2022-03-02","2022-03-02","Neil Culkin","Neil Culkin","1. CRE maxium loan term adjusted from 25 to 30 years"]
[5.9,"2022-04-08","Release with 6.0 v2","Neil Culkin & Devika Dharmapalan ","Neil Culkin","1. Removal on construction loan 1.10x NSR requirement\n2. Addition of 1.25x NSR requirement when aggreated loan > $1.5m and aggregated LVR > 70%\n3. HEM updated to Q42021\n4. Company name updated to Pepper Money Ltd.\n5. \"Assessment Notes - Residential\" sheet deleted\n6. Change the text from “To assist in verifying the customers living expenses, please provide last 3 months transaction bank statements” to “The living expenses declared by the customer are at risk of being understated when compared to a living expense benchmark. A Level 5 Pepper DCA holder will be required to approve this application”.\n7. Change the logic for the text of point 1 to appear only when the NSR is < 1.5x AND the ‘Compared to HEM’ expenses (per below table) are < 80% of the benchmark.  \n8. Amened the 'Living Expense Used' field (R42) formula to = [Higher of 'Compared to HEM' expenses & HEM] + [Expenses not 'Compared to HEM' excluding Investment property costs] + [Investment Property costs - (Rental Income x 15%)].  Changed Formula R42 in Residential Tab from \"=MAX(R40:R41)\" to =MAX(R40,E41)+K41+MAX(0,((G52*12)-(R25*15%)))\n9. Amended Living Expense categories and included differentiation as to which categoreis are compared to HEM and which are added to the higher of (those categories compared to HEM and HEM)\n10. Adjusted the \"Data\" tab to include new living expense categories\n11. Adjusted the Test Cases tab to include new living expense categories\n12. Correction of cell B7 on 'Jackson Data Entry' sheet to pick up benchmark and not LE result. This was applied in v5.8(d) for CRE. \n13. 'User Guide - Residential' updated to include new or amended categories"]
[6,"2022-05-24","Release with 6.0 v2","Neil Culkin","Neil Culkin","1. Update HEM benchmark from Q421 to Q122"]
["6.0 v2","2022-06-20","2022-07-01","Neil Culkin","Neil Culkin","1. 'Residential' tab, Workings for Negative Gearing (cells E33, G33, I33, K33, M33, O33) corrected to deduct G52 (investment property expenses) not G51 (body corporate & land tax expenses)"]
["6.0 v3","2022-06-20","2022-07-01","Neil Culkin","Neil Culkin","1. 'Residential' tab, Workings for Negative Gearing (cells E33, G33, I33, K33, M33, O33) corrected to deduct G52 (investment property expenses) not G51 (body corporate & land tax expenses)"]
[6.1,"2022-07-19","2023-02-01","Neil Culkin","Neil Culkin","1. Update HEM benchmark from Q122 to Q322\n2. Update Superannuation addback label on SEIC from 9% to 10.50%\n3. Inclusion of First Home Buyer Choice property tax into the living expense definitions"]
[6.2,"2023-05-17","2023-07-01","Neil Culkin","Neil Culkin","1. Update HEM benchmark from Q322 to Q123\n2. Reduce negative gearing interest rate to 6.04%\n3. Tax tables updated (medicare levy and low income tax offset)\n4. Release of BBS & BAS calculator to brokers"]
[6.3,"2023-07-28","2023-08-04","Neil Culkin","Neil Culkin","1. Introduction of 1% interest buffer with specific eligbility\n2. Interest rate buffer adjusted from 2.5% to 2% (Residential Lending programs only, CRE not included)\n3. Adjustment of NSR requirement for > 90% LVR loans from 1.35 to 1.25x"]
[6.4,"2023-10-06","2023-10-31","Neil Culkin","Neil Culkin","1. Update HEM benchmark from Q123 to Q223\n2. Commercial: Minimum ICR removed\n3. Commercial: Minimum DSCR amended to 1x Fulldoc & Leasedoc and 1.2x for Altdoc\n4. Commercial: Assessment rate introduced being higher of floor rate and actual rate + 2%\n5. Better Choice commercial serviceability calculator deleted\n6. Row 51 (commercial calculator) updated to include the same tax offset formula as residential calculator. "]
[6.5,"2023-11-17","01/03/2024 changed to 11/3/2024","Neil Culkin","Neil Culkin","1. Update HEM benchmark from Q223 to Q323\n2. Merger of SMSF calculator into this excel tool\n3. New internal fields calculating the maximum assessment rate and interest buffer the loan will requre to service at a 1x NSR\n4. Policy banner on Residential calculator position change\n"]
[6.6,"2024-04-02","2024-04-04","Neil Culkin","Neil Culkin","1. <Please select> logic added included in the Residential interest rate buffer selection. \n2. Cell I8 in Residential tab included in the Clear From functionality\n3. SMSF additional non-concenssional output to not provide an application incomplete status where a negative figure exists. Specifically, SMSF Tab, Cell P50, Formula changed from =IF(OR(SMSFNewLoanAmount=\"\",SMSFInterestRate=\"\",SMSFLoanTermInYears=\"\",SMSFLoanTermInYears<SMSFIOTermInYears,C20<>\"\",E20<>\"\",C23<>\"\",E23<>\"\",C25<>\"\",E25<>\"\"),\"INCOMPLETE\",IF(AND(E56=\"\",OR(E65<>0,E70<>0,SUM(E73:E77)<>0)),\"INCOMPLETE\",IF(AND(G56=\"\",OR(G65<>0,G70<>0,SUM(G73:G77)<>0)),\"INCOMPLETE\",IF(AND(I56=\"\",OR(I65<>0,I70<>0,SUM(I73:I77)<>0)),\"INCOMPLETE\",IF(AND(K56=\"\",OR(K65<>0,K70<>0,SUM(K73:K77)<>0)),\"INCOMPLETE\",IF(AND(M56=\"\",OR(M65<>0,M70<>0,SUM(M73:M77)<>0)),\"INCOMPLETE\",IF(AND(O56=\"\",OR(O65<>0,O70<>0,SUM(O73:O77)<>0)),\"INCOMPLETE\",\"COMPLETE\"))))))) to =IF(OR(SMSFNewLoanAmount=\"\",SMSFInterestRate=\"\",SMSFLoanTermInYears=\"\",SMSFLoanTermInYears<SMSFIOTermInYears,C20<>\"\",E20<>\"\",C23<>\"\",E23<>\"\",C25<>\"\"),\"INCOMPLETE\",IF(AND(E56=\"\",OR(E65<>0,E70<>0,SUM(E73:E77)<>0)),\"INCOMPLETE\",IF(AND(G56=\"\",OR(G65<>0,G70<>0,SUM(G73:G77)<>0)),\"INCOMPLETE\",IF(AND(I56=\"\",OR(I65<>0,I70<>0,SUM(I73:I77)<>0)),\"INCOMPLETE\",IF(AND(K56=\"\",OR(K65<>0,K70<>0,SUM(K73:K77)<>0)),\"INCOMPLETE\",IF(AND(M56=\"\",OR(M65<>0,M70<>0,SUM(M73:M77)<>0)),\"INCOMPLETE\",IF(AND(O56=\"\",OR(O65<>0,O70<>0,SUM(O73:O77)<>0)),\"INCOMPLETE\",\"COMPLETE\")))))))"]
[6.7,"2024-05-02","2024-05-16","Neil Culkin","Neil Culkin","1. FY2025 tax rates applied\n2. SMSF updates:\n- SGC increase from $27,500 to $30,000 ( Concessional)\n- Non Concessional Cap increase from $110,000 to $120,000\n- Super contribution increase from 11.0% to 11.5%\n3. Commercial calculator corrected to have a hard 2% assessment buffer"]
[6.8,"2024-05-20","2024-09-17","Neil Culkin","Neil Culkin","1. HEM update to 24 Q2\n2. Adjustment of primary residence strata fees (living expense) to be included in primary residence expenses which are compared to HEM\n3. SMSF calculator: E,G, I, K, M, O 93 adjusted to calculate a minimum of zero\n4. SMSF calculator: O47, DSCR result corrected to not show a FAIL result if additional non-concessionary member contributions arent affordable"]
["6.8b","2024-10-04","2024-10-04","Neil Culkin","Neil Culkin","1. SMSF calculator: E,G, I, K, M, O 93 adjusted to now allow a negative for manual consideration with an instruction note included. "]
["6.8c","2024-10-22","2024-10-28","Neil Culkin","Neil Culkin","1. Residential - removiing the 1.25NSR requirement where exposure > $1.5m and aggregate LVR > 70%"]
[6.9,"2024-11-15","2025-03-10","Neil Culkin","Neil Culkin","1. HEM update to 24 Q4\n2. Loan term > 30 years message amended to be a validation that loan terms > 30 years cannot be interest only\n3. SMSF Calculator, minor label updates\n4. SMSF Calculator, concessional member contributions changed to pre-tax\nRow 84 \nOld Formula\n=MAX(E61+E62+E64*RentalIncomeShading-E67*WorkingsForNegativeGearing,0)\nNew Formula\n=MAX(E61+E62+E64*RentalIncomeShading-E67*WorkingsForNegativeGearing,0)-SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM1\nRow 87 \nOld Formula \n=IFERROR(HLOOKUP(E63+E84+E86,HemCombinedIncomeRange,3,TRUE),1)\nNew Formula\n=IFERROR(HLOOKUP(E63+MAX(E61+E62+E64*RentalIncomeShading-E67*WorkingsForNegativeGearing,0)+E86,HemCombinedIncomeRange,3,TRUE),1)\n5. SMSF Calculator, M11 & M12 updated to state the 2% assessment rate\n6. 1% buffer eligibility updated from 700 score to be Prime and Near Prime Clear customers only"]
["6.9a","2024-04-02","2025-04-14","Neil Culkin","Neil Culkin","1. SMSF M50 update to remove Complete result when below the line is started but incomplete\n2. SMSF E23 messaging updated to correctly reflect scenarios\n3. SMSF E25 update to allow spousal offsetting of expenses and taking aggregate surplus for additional non-concessional contributions. \n4. SMSF user guide updated wording for rental income title, contribution value titles, DSCR requirement. "]
[6.1,"2025-06-06","2025-06-18","Neil Culkin","Neil Culkin","1. HEM updated to 25 Q1\n2. Minor wording updated to 1% eligibility"]
[6.11,"2025-08-05","2026-04-30","Neil Culkin","Neil Culkin","1. Superannuation label increased from 11% to 12% in SEIC\n2. INCOMPLETE result in resi calculator (O78), updated to include second loan amount interest rate and loan term need to be populated if a second loan amount is entered\n3. BAS calculator updated to include an annualised results in row 12\n4. BNPL guidelines included\n5. Capacity test sheet added\n6. SMSF Calculator - Correction to Row 91 to pick up correct members SG for additinal concessional contribution calculation\n7. HEM updated to 25 Q4\n8. Hide Actual NSR results on all calculators\n9. Updated FAIL result commentary on SMSF calculator\n10. Introduction of 'SPV - Non-Borrower' income calculator\n11. Introduction of arrears calculator"]
["6.11.1","2026-05-01","2026-04-30","Neil Culkin","Neil Culkin","FORMAT ADJUSTMENTS ONLY\n1. Residenial Actual results made visible. Actual NSR result remains hidden\n2. Arrears Calculator updated to have month by month scheduled repayment, shows arrears position in red, no decimal places and Near Prime ≤0.25 months in arrears (not <0.25)\n3. Residential, Rows 23 & 24 grey out for Non-Borrowing SPV entity\n4. Pepper branding applied to YTD calculator"]
["6.11.2","2026-05-10","2026-04-30","Neil Culkin","Neil Culkin","1. SMSF calculator allowance for investment return on the residual post-purchase superannuation investments changed from 4% to 'RBA cash rate + 0.5%' ROI"]
[6.2,"2026-06-04","2026-07-28","Neil Culkin","Neil Culkin","1. Introduction of Negative Gearing and Neutral Gearing tax methods in the Residential, Commercial and SMSF calculators. Updates to tax calculation and HEM calculation (which will maintain on neutral tax approach pool household income after net investments for HEM allocation per negative gearing pool).  \n2. Update super guarantee rate references to 12%\n4. Update tax rates for the individual incme band of $18,201 – $45,000 to 15%\n5. Update of tax rate labels\n6. Interest rate for negative gearing updated from 6.04% to 6.09% per RBA Investment New Loan P&I April 2026\n7. SMSF Calculator: Concessional Contributions $32,500 ( Increase from $30,000) ad Non Concessional Contributions $130,000 ( Increase from $120,000)"]

{"sheet":"Inputs","index":23,"n_rows":84,"n_cols":15,"rows_kept":84,"cut":false,"hidden":true,"merged":[[74,9,77,9],[78,9,81,9]]}
["Inputs",null,null,null,null,null,null,null,null,null,"Hem Classification"]
[null,null,null,null,null,null,null,null,null,null,"Category","Compared to HEM",null,null,"Note: Please make changes in \"Residential\" Worksheet column K and L"]
["Baseline Assessment Rate",5.5E-2,null,null,null,null,null,"Owner occupied property utilities, rates & costs",null,null,{"$f":"Residential!C54","v":"Primary residence utilities, rates, strata fees & expenses"},{"$f":"Residential!F54","v":"Yes"}]
[null,null,null,null,null,null,null,"Rented property costs",null,null,{"$f":"Residential!C55","v":"Primary residence land tax & FHB property tax"},{"$f":"Residential!F55","v":"No"}]
["Assessment Loading",{"$f":"IF(Residential!I8=\"1.00% (eligibility above)\",1%,IF(Residential!I8=2%,2%,2%))","v":0.02},null,null,null,null,null,"Investment property utilities, rates & costs",null,null,{"$f":"Residential!C56","v":"Investment property expenses (negative gearing eligible pool)"},{"$f":"Residential!F56","v":"No"}]
[null,null,null,null,null,null,null,"Telephone, Internet, Pay TV & Media Streaming",null,null,{"$f":"Residential!C57","v":"Investment property expenses (negative gearing ineligible pool)"},{"$f":"Residential!F57","v":"No"}]
["Credit Card Commitments",3.8199999999999998E-2,null,null,null,null,null,"Groceries",null,null,{"$f":"Residential!C58","v":"Telephone, internet, Pay TV & media streaming"},{"$f":"Residential!F58","v":"Yes"}]
[null,null,null,null,null,null,null,"Recreation & Entertainment",null,null,{"$f":"Residential!C59","v":"Groceries"},{"$f":"Residential!F59","v":"Yes"}]
["Workings for Negative Gearing",6.0900000000000003E-2,null,null,null,null,null,"Clothing & Personal Care",null,null,{"$f":"Residential!C60","v":"Recreation & Entertainment"},{"$f":"Residential!F60","v":"Yes"}]
[null,null,null,null,null,null,null,"Medical & Health",null,null,{"$f":"Residential!C61","v":"Clothing & Personal Care"},{"$f":"Residential!F61","v":"Yes"}]
["Other Mortgage Repayment Buffer",1.25,null,null,null,null,null,"Transport",null,null,{"$f":"Residential!C62","v":"Medical & Health"},{"$f":"Residential!F62","v":"Yes"}]
[null,null,null,null,null,null,null,"Education",null,null,{"$f":"Residential!C63","v":"Transport"},{"$f":"Residential!F63","v":"Yes"}]
["Rental Income Shading",0.8,null,null,null,null,null,null,null,null,{"$f":"Residential!C64","v":"Education – non Private schooling"},{"$f":"Residential!F64","v":"Yes"}]
[null,null,null,null,null,null,null,"Childcare",null,null,{"$f":"Residential!C65","v":"Education - Private schooling "},{"$f":"Residential!F65","v":"No"}]
["Company Tax",0.25,null,null,null,null,null,"Insurance",null,null,{"$f":"Residential!C66","v":"Childcare"},{"$f":"Residential!F66","v":"Yes"}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"Residential!C67","v":"Insurance - General Basic"},{"$f":"Residential!F67","v":"Yes"}]
["NumberOfWeeksInAYear",52,null,null,null,null,null,"Other Living Expenses",null,null,{"$f":"Residential!C68","v":"Insurance - Health, Sickness, Personal Accident & Life "},{"$f":"Residential!F68","v":"No"}]
["NumberOfMonthsInAYear",12,null,null,null,null,null,null,null,null,{"$f":"Residential!C69","v":"Other Living Expenses"},{"$f":"Residential!F69","v":"No"}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"Residential!C70","v":"Child & Spousal Maintenance "},{"$f":"Residential!F70","v":"No"}]
["Acceptable NSR For LVR > 90%",1.35,null,null,null,null,null,"Maximum Assessment Rate (calculation)"]
["Acceptable NSR For Applicants with majority income as Government Allowances",1.25,null,null,null,null,null,{"$f":"ROUNDDOWN((RATE((ResiWAVGLoanTerm-ResiWAVGLoanIOTerm)*12, -(Residential!M79-Residential!M81), ResiNewLoanTotalAmount))*12,4)","v":{"$error":"#NUM!"}}]
["Acceptable NSR for All other applicants",1,null,null,null,null,null,"Assessment Rate Buffer to achieve 1x NSR"]
[null,null,null,null,null,null,null,{"$f":"H21-ResiWAVGAssessmentRate","v":{"$error":"#NUM!"}}]
["Allowable Government Allowance over Total Income Limitation",0.5]
[]
[]
[]
[null,null,null,null,null,null,null,"List for 1% buffer"]
[]
[null,null,null,null,null,null,null,0.02]
[null,null,null,null,null,null,null,0.01]
["CRE"]
[null,"Full Doc","Alt Doc","Lease Doc"]
["Minimum ICR",0,0,0]
["Minimum DSCR",0.995,1.1950000000000001,0.995]
["Minimum DSCR Better Choice",1.4950000000000001,1.4950000000000001,1.4950000000000001]
["Minimum DSCR Better Choice with condition message",1.2450000000000001,1.2450000000000001,1.2450000000000001,null,"Refer BDM"]
[]
[]
["Residenital"]
["Minimum Loan Term in Years",10]
["Maximum Loan Term In years",40]
["Maximum Loan Term In Years For Prime Loans",30]
[]
["Minimum Interest Only Loan term in Years",0]
["Maximum Interest Only Loan term in Years",5]
[]
[]
["SMSF"]
[]
["Compulsary Superannuation Percentage",0.115]
["Concessional Contributions Capped Amount",32500,null,null,null,null,null,"Owner occupied property utilities, rates & costs"]
["Non Concessional Capped Amount",130000,null,null,null,null,null,"Rented property costs"]
["MinimumAdministrationCost",1500,null,null,null,null,null,"Investment property utilities, rates & costs"]
["Superannuation Tax",0.15,null,null,null,null,null,"Telephone, Internet, Pay TV & Media Streaming"]
[null,null,null,null,null,null,null,"Groceries"]
["Minimum SMSF DSCR",0.995,null,null,null,null,null,"Recreation & Entertainment"]
[null,null,null,null,null,null,null,"Clothing & Personal Care"]
[null,null,null,null,null,null,null,"Medical & Health"]
[null,null,null,null,null,null,null,"Transport"]
[null,null,null,null,null,null,null,"Education"]
[]
[null,null,null,null,null,null,null,"Childcare"]
[null,null,null,null,null,null,null,"Insurance"]
[]
[null,null,null,null,null,null,null,"Other Living Expenses"]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,"Loan details"]
[]
[]
[null,null,null,null,null,null,null,null,"Income","Net Member Contributions","PAYG Super Guarantee Concessional (compulsory) Super (capped $27,500)"]
[null,null,null,null,null,null,null,null,null,null,"PAYG Super Guarantee Non-Concessional (compulsory) Super (capped $110,000)"]
["Allowable Government Allowance over Total Income Limitation",0.5,null,null,null,null,null,null,null,null,"Non-PAYG?"]
[null,null,null,null,null,null,null,null,null,null,"Gross income\n- tax\n- living expenses\n- debt repayments\n= Non-Concessional Additional Super (total non-concessional capped at $110,000)"]
[null,null,null,null,null,null,null,null,null,"SMSF","Rental income\nCRE (100% of net)\nResidential (80% of gross)"]
[null,null,null,null,null,null,null,null,null,null,"Return on investments"]
[null,null,null,null,null,null,null,null,null,null,"Less adminstration expenses (floor $2,500)"]
[null,null,null,null,null,null,null,null,null,null,"Less debt expenses (mortgage + 25%)"]
[]
[null,null,null,null,null,null,null,null,"DSCR","SMSF net income + Net Member Contributions / SMSF debt repayments"]

{"sheet":"Validation","index":24,"n_rows":52,"n_cols":35,"rows_kept":52,"cut":false,"hidden":true,"merged":[]}
["Residential","Applicant 1","Applicant 2","Applicant 3","Applicant 4","Applicant 5","Applicant 6",null,"CRE","Applicant 1","Applicant 2","Applicant 3","Applicant 4",null,null,null,null,"Valid Status Resi",null,"Valid Status CRE",null,"Residential","Member 1","Member 2","Member 3","Member 4","Member 5","Member 6",null,null,"Valid Status",null,null,"Validation Rules","Remarks"]
["Applicant 1",{"$f":"IF(AND(B$1<>$A2,HLOOKUP($A2,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!E$15=\"Individual (Couple)\"),$A2)","v":false},{"$f":"IF(AND(C$1<>$A2,HLOOKUP($A2,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!G$15=\"Individual (Couple)\"),$A2)","v":false},{"$f":"IF(AND(D$1<>$A2,HLOOKUP($A2,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!I$15=\"Individual (Couple)\"),$A2)","v":false},{"$f":"IF(AND(E$1<>$A2,HLOOKUP($A2,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!K$15=\"Individual (Couple)\"),$A2)","v":false},{"$f":"IF(AND(F$1<>$A2,HLOOKUP($A2,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!M$15=\"Individual (Couple)\"),$A2)","v":false},{"$f":"IF(AND(G$1<>$A2,HLOOKUP($A2,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!O$15=\"Individual (Couple)\"),$A2)","v":false},null,"Applicant 1",{"$f":"IF(AND(J$1<>$I2,HLOOKUP($I2,Commercial!$E$38:$K$39,2,FALSE)=\"Individual (Couple)\",Commercial!E$39=\"Individual (Couple)\"),$I2)","v":false},{"$f":"IF(AND(K$1<>$I2,HLOOKUP($I2,Commercial!$E$38:$K$39,2,FALSE)=\"Individual (Couple)\",Commercial!G$39=\"Individual (Couple)\"),$I2)","v":false},{"$f":"IF(AND(L$1<>$I2,HLOOKUP($I2,Commercial!$E$38:$K$39,2,FALSE)=\"Individual (Couple)\",Commercial!I$39=\"Individual (Couple)\"),$I2)","v":false},{"$f":"IF(AND(M$1<>$I2,HLOOKUP($I2,Commercial!$E$38:$K$39,2,FALSE)=\"Individual (Couple)\",Commercial!K$39=\"Individual (Couple)\"),$I2)","v":false},null,null,null,null,"Company",null,"Individual (Single)",null,"Member 1",{"$f":"IF(AND(W$1<>$V2,HLOOKUP($V2,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!E$56=\"Individual (Couple)\"),$V2)","v":false},{"$f":"IF(AND(X$1<>$V2,HLOOKUP($V2,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!G$56=\"Individual (Couple)\"),$V2)","v":false},{"$f":"IF(AND(Y$1<>$V2,HLOOKUP($V2,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!I$56=\"Individual (Couple)\"),$V2)","v":false},{"$f":"IF(AND(Z$1<>$V2,HLOOKUP($V2,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!K$56=\"Individual (Couple)\"),$V2)","v":false},{"$f":"IF(AND(AA$1<>$V2,HLOOKUP($V2,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!M$56=\"Individual (Couple)\"),$V2)","v":false},{"$f":"IF(AND(AB$1<>$V2,HLOOKUP($V2,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!O$56=\"Individual (Couple)\"),$V2)","v":false},null,null,"Individual (Single)",null,null,{"$f":"SMSF!E20","v":0},{"$f":"IF(AH2=\"\",\"Valid\",\"Invalid\")","v":"Invalid"}]
["Applicant 2",{"$f":"IF(AND(B$1<>$A3,HLOOKUP($A3,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!E$15=\"Individual (Couple)\"),$A3)","v":false},{"$f":"IF(AND(C$1<>$A3,HLOOKUP($A3,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!G$15=\"Individual (Couple)\"),$A3)","v":false},{"$f":"IF(AND(D$1<>$A3,HLOOKUP($A3,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!I$15=\"Individual (Couple)\"),$A3)","v":false},{"$f":"IF(AND(E$1<>$A3,HLOOKUP($A3,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!K$15=\"Individual (Couple)\"),$A3)","v":false},{"$f":"IF(AND(F$1<>$A3,HLOOKUP($A3,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!M$15=\"Individual (Couple)\"),$A3)","v":false},{"$f":"IF(AND(G$1<>$A3,HLOOKUP($A3,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!O$15=\"Individual (Couple)\"),$A3)","v":false},null,"Applicant 2",{"$f":"IF(AND(J$1<>$I3,HLOOKUP($I3,Commercial!$E$38:$K$39,2,FALSE)=\"Individual (Couple)\",Commercial!E$39=\"Individual (Couple)\"),$I3)","v":false},{"$f":"IF(AND(K$1<>$I3,HLOOKUP($I3,Commercial!$E$38:$K$39,2,FALSE)=\"Individual (Couple)\",Commercial!G$39=\"Individual (Couple)\"),$I3)","v":false},{"$f":"IF(AND(L$1<>$I3,HLOOKUP($I3,Commercial!$E$38:$K$39,2,FALSE)=\"Individual (Couple)\",Commercial!I$39=\"Individual (Couple)\"),$I3)","v":false},{"$f":"IF(AND(M$1<>$I3,HLOOKUP($I3,Commercial!$E$38:$K$39,2,FALSE)=\"Individual (Couple)\",Commercial!K$39=\"Individual (Couple)\"),$I3)","v":false},null,null,null,null,"Individual (Single)",null,"Individual (Couple)",null,"Member 2",{"$f":"IF(AND(W$1<>$V3,HLOOKUP($V3,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!E$56=\"Individual (Couple)\"),$V3)","v":false},{"$f":"IF(AND(X$1<>$V3,HLOOKUP($V3,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!G$56=\"Individual (Couple)\"),$V3)","v":false},{"$f":"IF(AND(Y$1<>$V3,HLOOKUP($V3,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!I$56=\"Individual (Couple)\"),$V3)","v":false},{"$f":"IF(AND(Z$1<>$V3,HLOOKUP($V3,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!K$56=\"Individual (Couple)\"),$V3)","v":false},{"$f":"IF(AND(AA$1<>$V3,HLOOKUP($V3,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!M$56=\"Individual (Couple)\"),$V3)","v":false},{"$f":"IF(AND(AB$1<>$V3,HLOOKUP($V3,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!O$56=\"Individual (Couple)\"),$V3)","v":false},null,null,"Individual (Couple)",null,null,{"$f":"SMSF!C23","v":""},{"$f":"IF(AH3=\"\",\"Valid\",\"Invalid\")","v":"Valid"}]
["Applicant 3",{"$f":"IF(AND(B$1<>$A4,HLOOKUP($A4,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!E$15=\"Individual (Couple)\"),$A4)","v":false},{"$f":"IF(AND(C$1<>$A4,HLOOKUP($A4,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!G$15=\"Individual (Couple)\"),$A4)","v":false},{"$f":"IF(AND(D$1<>$A4,HLOOKUP($A4,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!I$15=\"Individual (Couple)\"),$A4)","v":false},{"$f":"IF(AND(E$1<>$A4,HLOOKUP($A4,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!K$15=\"Individual (Couple)\"),$A4)","v":false},{"$f":"IF(AND(F$1<>$A4,HLOOKUP($A4,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!M$15=\"Individual (Couple)\"),$A4)","v":false},{"$f":"IF(AND(G$1<>$A4,HLOOKUP($A4,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!O$15=\"Individual (Couple)\"),$A4)","v":false},null,"Applicant 3",{"$f":"IF(AND(J$1<>$I4,HLOOKUP($I4,Commercial!$E$38:$K$39,2,FALSE)=\"Individual (Couple)\",Commercial!E$39=\"Individual (Couple)\"),$I4)","v":false},{"$f":"IF(AND(K$1<>$I4,HLOOKUP($I4,Commercial!$E$38:$K$39,2,FALSE)=\"Individual (Couple)\",Commercial!G$39=\"Individual (Couple)\"),$I4)","v":false},{"$f":"IF(AND(L$1<>$I4,HLOOKUP($I4,Commercial!$E$38:$K$39,2,FALSE)=\"Individual (Couple)\",Commercial!I$39=\"Individual (Couple)\"),$I4)","v":false},{"$f":"IF(AND(M$1<>$I4,HLOOKUP($I4,Commercial!$E$38:$K$39,2,FALSE)=\"Individual (Couple)\",Commercial!K$39=\"Individual (Couple)\"),$I4)","v":false},null,null,null,null,"Individual (Couple)",null,null,null,"Member 3",{"$f":"IF(AND(W$1<>$V4,HLOOKUP($V4,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!E$56=\"Individual (Couple)\"),$V4)","v":false},{"$f":"IF(AND(X$1<>$V4,HLOOKUP($V4,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!G$56=\"Individual (Couple)\"),$V4)","v":false},{"$f":"IF(AND(Y$1<>$V4,HLOOKUP($V4,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!I$56=\"Individual (Couple)\"),$V4)","v":false},{"$f":"IF(AND(Z$1<>$V4,HLOOKUP($V4,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!K$56=\"Individual (Couple)\"),$V4)","v":false},{"$f":"IF(AND(AA$1<>$V4,HLOOKUP($V4,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!M$56=\"Individual (Couple)\"),$V4)","v":false},{"$f":"IF(AND(AB$1<>$V4,HLOOKUP($V4,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!O$56=\"Individual (Couple)\"),$V4)","v":false},null,null,null,null,null,{"$f":"SMSF!E23","v":""},{"$f":"IF(AH4=\"\",\"Valid\",\"Invalid\")","v":"Valid"}]
["Applicant 4",{"$f":"IF(AND(B$1<>$A5,HLOOKUP($A5,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!E$15=\"Individual (Couple)\"),$A5)","v":false},{"$f":"IF(AND(C$1<>$A5,HLOOKUP($A5,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!G$15=\"Individual (Couple)\"),$A5)","v":false},{"$f":"IF(AND(D$1<>$A5,HLOOKUP($A5,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!I$15=\"Individual (Couple)\"),$A5)","v":false},{"$f":"IF(AND(E$1<>$A5,HLOOKUP($A5,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!K$15=\"Individual (Couple)\"),$A5)","v":false},{"$f":"IF(AND(F$1<>$A5,HLOOKUP($A5,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!M$15=\"Individual (Couple)\"),$A5)","v":false},{"$f":"IF(AND(G$1<>$A5,HLOOKUP($A5,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!O$15=\"Individual (Couple)\"),$A5)","v":false},null,"Applicant 4",{"$f":"IF(AND(J$1<>$I5,HLOOKUP($I5,Commercial!$E$38:$K$39,2,FALSE)=\"Individual (Couple)\",Commercial!E$39=\"Individual (Couple)\"),$I5)","v":false},{"$f":"IF(AND(K$1<>$I5,HLOOKUP($I5,Commercial!$E$38:$K$39,2,FALSE)=\"Individual (Couple)\",Commercial!G$39=\"Individual (Couple)\"),$I5)","v":false},{"$f":"IF(AND(L$1<>$I5,HLOOKUP($I5,Commercial!$E$38:$K$39,2,FALSE)=\"Individual (Couple)\",Commercial!I$39=\"Individual (Couple)\"),$I5)","v":false},{"$f":"IF(AND(M$1<>$I5,HLOOKUP($I5,Commercial!$E$38:$K$39,2,FALSE)=\"Individual (Couple)\",Commercial!K$39=\"Individual (Couple)\"),$I5)","v":false},null,null,null,null,"Non-borrowing SPV",null,null,null,"Member 4",{"$f":"IF(AND(W$1<>$V5,HLOOKUP($V5,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!E$56=\"Individual (Couple)\"),$V5)","v":false},{"$f":"IF(AND(X$1<>$V5,HLOOKUP($V5,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!G$56=\"Individual (Couple)\"),$V5)","v":false},{"$f":"IF(AND(Y$1<>$V5,HLOOKUP($V5,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!I$56=\"Individual (Couple)\"),$V5)","v":false},{"$f":"IF(AND(Z$1<>$V5,HLOOKUP($V5,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!K$56=\"Individual (Couple)\"),$V5)","v":false},{"$f":"IF(AND(AA$1<>$V5,HLOOKUP($V5,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!M$56=\"Individual (Couple)\"),$V5)","v":false},{"$f":"IF(AND(AB$1<>$V5,HLOOKUP($V5,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!O$56=\"Individual (Couple)\"),$V5)","v":false},null,null,null,null,null,{"$f":"SMSF!C25","v":""},{"$f":"IF(AH5=\"\",\"Valid\",\"Invalid\")","v":"Valid"}]
["Applicant 5",{"$f":"IF(AND(B$1<>$A6,HLOOKUP($A6,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!E$15=\"Individual (Couple)\"),$A6)","v":false},{"$f":"IF(AND(C$1<>$A6,HLOOKUP($A6,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!G$15=\"Individual (Couple)\"),$A6)","v":false},{"$f":"IF(AND(D$1<>$A6,HLOOKUP($A6,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!I$15=\"Individual (Couple)\"),$A6)","v":false},{"$f":"IF(AND(E$1<>$A6,HLOOKUP($A6,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!K$15=\"Individual (Couple)\"),$A6)","v":false},{"$f":"IF(AND(F$1<>$A6,HLOOKUP($A6,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!M$15=\"Individual (Couple)\"),$A6)","v":false},{"$f":"IF(AND(G$1<>$A6,HLOOKUP($A6,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!O$15=\"Individual (Couple)\"),$A6)","v":false},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Member 5",{"$f":"IF(AND(W$1<>$V6,HLOOKUP($V6,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!E$56=\"Individual (Couple)\"),$V6)","v":false},{"$f":"IF(AND(X$1<>$V6,HLOOKUP($V6,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!G$56=\"Individual (Couple)\"),$V6)","v":false},{"$f":"IF(AND(Y$1<>$V6,HLOOKUP($V6,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!I$56=\"Individual (Couple)\"),$V6)","v":false},{"$f":"IF(AND(Z$1<>$V6,HLOOKUP($V6,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!K$56=\"Individual (Couple)\"),$V6)","v":false},{"$f":"IF(AND(AA$1<>$V6,HLOOKUP($V6,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!M$56=\"Individual (Couple)\"),$V6)","v":false},{"$f":"IF(AND(AB$1<>$V6,HLOOKUP($V6,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!O$56=\"Individual (Couple)\"),$V6)","v":false},null,null,null,null,null,{"$f":"SMSF!E25","v":""},{"$f":"IF(AH6=\"\",\"Valid\",\"Invalid\")","v":"Valid"}]
["Applicant 6",{"$f":"IF(AND(B$1<>$A7,HLOOKUP($A7,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!E$15=\"Individual (Couple)\"),$A7)","v":false},{"$f":"IF(AND(C$1<>$A7,HLOOKUP($A7,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!G$15=\"Individual (Couple)\"),$A7)","v":false},{"$f":"IF(AND(D$1<>$A7,HLOOKUP($A7,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!I$15=\"Individual (Couple)\"),$A7)","v":false},{"$f":"IF(AND(E$1<>$A7,HLOOKUP($A7,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!K$15=\"Individual (Couple)\"),$A7)","v":false},{"$f":"IF(AND(F$1<>$A7,HLOOKUP($A7,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!M$15=\"Individual (Couple)\"),$A7)","v":false},{"$f":"IF(AND(G$1<>$A7,HLOOKUP($A7,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!O$15=\"Individual (Couple)\"),$A7)","v":false},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Member 6",{"$f":"IF(AND(W$1<>$V7,HLOOKUP($V7,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!E$56=\"Individual (Couple)\"),$V7)","v":false},{"$f":"IF(AND(X$1<>$V7,HLOOKUP($V7,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!G$56=\"Individual (Couple)\"),$V7)","v":false},{"$f":"IF(AND(Y$1<>$V7,HLOOKUP($V7,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!I$56=\"Individual (Couple)\"),$V7)","v":false},{"$f":"IF(AND(Z$1<>$V7,HLOOKUP($V7,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!K$56=\"Individual (Couple)\"),$V7)","v":false},{"$f":"IF(AND(AA$1<>$V7,HLOOKUP($V7,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!M$56=\"Individual (Couple)\"),$V7)","v":false},{"$f":"IF(AND(AB$1<>$V7,HLOOKUP($V7,SMSF!$E$55:$O$56,2,FALSE)=\"Individual (Couple)\",SMSF!O$56=\"Individual (Couple)\"),$V7)","v":false},null,null,"Valid Status 1"]
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[null,{"$f":"IFERROR(INDEX(B$2:B$7,SMALL(IF(ISTEXT(B$2:B$7),ROW(B$1:B$6),\"\"), ROW(B3)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(C$2:C$7,SMALL(IF(ISTEXT(C$2:C$7),ROW(C$1:C$6),\"\"), ROW(C3)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(D$2:D$7,SMALL(IF(ISTEXT(D$2:D$7),ROW(D$1:D$6),\"\"), ROW(D3)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(E$2:E$7,SMALL(IF(ISTEXT(E$2:E$7),ROW(E$1:E$6),\"\"), ROW(E3)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(F$2:F$7,SMALL(IF(ISTEXT(F$2:F$7),ROW(F$1:F$6),\"\"), ROW(F3)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(G$2:G$7,SMALL(IF(ISTEXT(G$2:G$7),ROW(G$1:G$6),\"\"), ROW(G3)-1)),\"-\")","v":"-"},null,null,{"$f":"IFERROR(INDEX(J$2:J$5,SMALL(IF(ISTEXT(J$2:J$5),ROW(J$1:J$4),\"\"), ROW(J3)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(K$2:K$5,SMALL(IF(ISTEXT(K$2:K$5),ROW(K$1:K$4),\"\"), ROW(K3)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(L$2:L$5,SMALL(IF(ISTEXT(L$2:L$5),ROW(L$1:L$4),\"\"), ROW(L3)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(M$2:M$5,SMALL(IF(ISTEXT(M$2:M$5),ROW(M$1:M$4),\"\"), ROW(M3)-1)),\"-\")","v":"-"},null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(INDEX(W$2:W$7,SMALL(IF(ISTEXT(W$2:W$7),ROW(W$1:W$6),\"\"), ROW(W3)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(X$2:X$7,SMALL(IF(ISTEXT(X$2:X$7),ROW(X$1:X$6),\"\"), ROW(X3)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(Y$2:Y$7,SMALL(IF(ISTEXT(Y$2:Y$7),ROW(Y$1:Y$6),\"\"), ROW(Y3)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(Z$2:Z$7,SMALL(IF(ISTEXT(Z$2:Z$7),ROW(Z$1:Z$6),\"\"), ROW(Z3)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(AA$2:AA$7,SMALL(IF(ISTEXT(AA$2:AA$7),ROW(AA$1:AA$6),\"\"), ROW(AA3)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(AB$2:AB$7,SMALL(IF(ISTEXT(AB$2:AB$7),ROW(AB$1:AB$6),\"\"), ROW(AB3)-1)),\"-\")","v":"-"},null,null,"Valid Status 2"]
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[null,{"$f":"IFERROR(INDEX(B$2:B$7,SMALL(IF(ISTEXT(B$2:B$7),ROW(B$1:B$6),\"\"), ROW(B5)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(C$2:C$7,SMALL(IF(ISTEXT(C$2:C$7),ROW(C$1:C$6),\"\"), ROW(C5)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(D$2:D$7,SMALL(IF(ISTEXT(D$2:D$7),ROW(D$1:D$6),\"\"), ROW(D5)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(E$2:E$7,SMALL(IF(ISTEXT(E$2:E$7),ROW(E$1:E$6),\"\"), ROW(E5)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(F$2:F$7,SMALL(IF(ISTEXT(F$2:F$7),ROW(F$1:F$6),\"\"), ROW(F5)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(G$2:G$7,SMALL(IF(ISTEXT(G$2:G$7),ROW(G$1:G$6),\"\"), ROW(G5)-1)),\"-\")","v":"-"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(INDEX(W$2:W$7,SMALL(IF(ISTEXT(W$2:W$7),ROW(W$1:W$6),\"\"), ROW(W5)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(X$2:X$7,SMALL(IF(ISTEXT(X$2:X$7),ROW(X$1:X$6),\"\"), ROW(X5)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(Y$2:Y$7,SMALL(IF(ISTEXT(Y$2:Y$7),ROW(Y$1:Y$6),\"\"), ROW(Y5)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(Z$2:Z$7,SMALL(IF(ISTEXT(Z$2:Z$7),ROW(Z$1:Z$6),\"\"), ROW(Z5)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(AA$2:AA$7,SMALL(IF(ISTEXT(AA$2:AA$7),ROW(AA$1:AA$6),\"\"), ROW(AA5)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(AB$2:AB$7,SMALL(IF(ISTEXT(AB$2:AB$7),ROW(AB$1:AB$6),\"\"), ROW(AB5)-1)),\"-\")","v":"-"},null,null,"Individual (Couple)"]
[null,{"$f":"IFERROR(INDEX(B$2:B$7,SMALL(IF(ISTEXT(B$2:B$7),ROW(B$1:B$6),\"\"), ROW(B6)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(C$2:C$7,SMALL(IF(ISTEXT(C$2:C$7),ROW(C$1:C$6),\"\"), ROW(C6)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(D$2:D$7,SMALL(IF(ISTEXT(D$2:D$7),ROW(D$1:D$6),\"\"), ROW(D6)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(E$2:E$7,SMALL(IF(ISTEXT(E$2:E$7),ROW(E$1:E$6),\"\"), ROW(E6)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(F$2:F$7,SMALL(IF(ISTEXT(F$2:F$7),ROW(F$1:F$6),\"\"), ROW(F6)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(G$2:G$7,SMALL(IF(ISTEXT(G$2:G$7),ROW(G$1:G$6),\"\"), ROW(G6)-1)),\"-\")","v":"-"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(INDEX(W$2:W$7,SMALL(IF(ISTEXT(W$2:W$7),ROW(W$1:W$6),\"\"), ROW(W6)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(X$2:X$7,SMALL(IF(ISTEXT(X$2:X$7),ROW(X$1:X$6),\"\"), ROW(X6)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(Y$2:Y$7,SMALL(IF(ISTEXT(Y$2:Y$7),ROW(Y$1:Y$6),\"\"), ROW(Y6)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(Z$2:Z$7,SMALL(IF(ISTEXT(Z$2:Z$7),ROW(Z$1:Z$6),\"\"), ROW(Z6)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(AA$2:AA$7,SMALL(IF(ISTEXT(AA$2:AA$7),ROW(AA$1:AA$6),\"\"), ROW(AA6)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(AB$2:AB$7,SMALL(IF(ISTEXT(AB$2:AB$7),ROW(AB$1:AB$6),\"\"), ROW(AB6)-1)),\"-\")","v":"-"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Do not delete this formula ",{"$f":"IF(RIGHT(SMSF!Z57,1)=\"2\",SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM1+SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM1+SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM2+SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM2,IF(RIGHT(SMSF!Z57,1)=\"3\",SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM1+SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM1+SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM3+SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM3,IF(RIGHT(SMSF!Z57,1)=\"4\",SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM1+SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM1+SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM4+SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM4,IF(RIGHT(SMSF!Z57,1)=\"5\",SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM1+SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM1+SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM5+SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM5,IF(RIGHT(SMSF!Z57,1)=\"6\",SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM1+SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM1+SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM6+SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM6,0)))))","v":0},{"$f":"IF(RIGHT(SMSF!AB57,1)=\"3\",SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM1+SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM1+SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM3+SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM3,IF(RIGHT(SMSF!AB57,1)=\"4\",SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM1+SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM1+SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM4+SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM4,IF(RIGHT(SMSF!AB57,1)=\"5\",SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM1+SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM1+SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM5+SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM5,IF(RIGHT(SMSF!AB57,1)=\"6\",SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM1+SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM1+SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM6+SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM6,0))))","v":0},{"$f":"IF(RIGHT(SMSF!AD57,1)=\"4\",SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM1+SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM1+SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM4+SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM4,IF(RIGHT(SMSF!AD57,1)=\"5\",SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM1+SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM1+SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM5+SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM5,IF(RIGHT(SMSF!AD57,1)=\"6\",SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM1+SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM1+SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM6+SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM6,0)))","v":0},{"$f":"IF(RIGHT(SMSF!AF57,1)=\"5\",SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM1+SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM1+SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM5+SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM5,IF(RIGHT(SMSF!AF57,1)=\"6\",SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM1+SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM1+SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM6+SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM6,0))","v":0},{"$f":"IF(RIGHT(SMSF!AH57,1)=\"6\",SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM1+SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM1+SMSFAvailableSurplusForAdditionalVoluntaryConcessionContributionsM6+SMSFAvailableSurplusForAdditionalVoluntaryNonConcessionContributionsM6,0)","v":0},0,null,null,"Valid Status 3"]
[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,null,null,"Individual (Single)"]
["Dependents Lookup",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Dependents Lookup",null,null,null,null,null,null,null,null,"Individual (Couple)"]
["Dependents","DependedntsCode",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Dependents","DependedntsCode"]
[0,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,1]
[1,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,1,null,null,null,null,null,null,null,"Valid Status 4"]
[2,2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,2,null,null,null,null,null,null,null,"Individual (Single)"]
[3,3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,3,null,null,null,null,null,null,null,"Individual (Couple)"]
[4,"4+",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,"4+"]
[]
[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,null,null,"Valid Status 5"]
[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,null,null,"Individual (Single)"]
[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,null,null,"Individual (Couple)"]
[]
[]
[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,null,null,"Valid Status 6"]
[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,null,null,"Individual (Single)"]
[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,null,null,"Individual (Couple)"]
[]
[]
[null,"Don’t remove","Don’t remove",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Don’t remove","Don’t remove"]
[]
["Servicability Calculator",null,null,null,null,null,null,null,"CRE",null,null,null,null,null,null,null,null,null,null,null,null,"Servicability Calculator"]
[null,"Applicant 1","Applicant 2","Applicant 3","Applicant 4","Applicant 5","Applicant 6",null,"Applicant 1","Applicant 2","Applicant 3","Applicant 4",null,null,null,null,null,null,null,null,null,null,"Member 1","Member 2","Member 3","Member 4","Member 5","Member 6"]
["Status",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Status"]
["Individual (Couple) With",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Individual (Couple) With"]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"OFFSET(Validation!W$9:W$15,0,0,COUNTIF(Validation!W$9:W$15,\"<>-\"))","v":""},{"$f":"OFFSET(Validation!X$9:X$15,0,0,COUNTIF(Validation!X$9:X$15,\"<>-\"))","v":""},{"$f":"OFFSET(Validation!Y$9:Y$15,0,0,COUNTIF(Validation!Y$9:Y$15,\"<>-\"))","v":""},{"$f":"OFFSET(Validation!Z$9:Z$15,0,0,COUNTIF(Validation!Z$9:Z$15,\"<>-\"))","v":""},{"$f":"OFFSET(Validation!AA$9:AA$15,0,0,COUNTIF(Validation!AA$9:AA$15,\"<>-\"))","v":""},{"$f":"OFFSET(Validation!AB$9:AB$15,0,0,COUNTIF(Validation!AB$9:AB$15,\"<>-\"))","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"","","","","",""]

{"sheet":"HEM Table","index":25,"n_rows":62,"n_cols":19,"rows_kept":62,"cut":false,"hidden":true,"merged":[]}
["Combined Couple Gross Income",null,{"$f":"B2","v":0},{"$f":"C2","v":27000},{"$f":"D2","v":40000},{"$f":"E2","v":54000},67000,81000,107000,134000,161000,188000,215000,269000,336000,403000,null,null,"Higher income band used as data not available for income band"]
["HEM 2025Q4",null,27000,40000,54000,67000,81000,107000,134000,161000,188000,215000,269000,336000,403000,999999999]
[null,null,1,2,3,4,5,6,7,8,9,10,11,12,13,14]
["Pepper - Proposed"]
["Single","P-S",{"$f":"C25","v":317.51382330123641},335.3378894047907,351.22605672436993,375.22883971123935,420.08940760925162,481.36179921396632,569.24156294373574,649.06388493161637,727.38476240856392,786.16231981721319,840.90329716908025,963.17307719819598,1127.9625219305815,1149.8494048872301]
["Couple","P-C",{"$f":"D6","v":612.14804514737989},{"$f":"D20","v":612.14804514737989},628.0091704850222,651.97109971934083,696.75531223326448,757.92341563254797,845.65360428471138,925.34006349078993,1003.5276353523718,1062.2051519210272,1116.8529566947122,1238.9146268197767,1403.4235923742817,1425.2732238836591]
["Single parent with 1 child  (per child)","P-SD1",{"$f":"D7","v":99.385243177029849},{"$f":"IF(D26-D25<0,0,D26-D25)","v":99.385243177029849},99.332468943100196,99.25274259128463,99.103732145369861,98.900210091870179,98.60830950147556,98.343171356401626,98.083019749463915,97.887785631781981,97.705954975801319,97.299823786452293,96.752460080428136,96.679760909511515]
["Single parent with 2 children  (per child)","P-SD2",106.70927027985525,{"$f":"IF(D27-D25<0,0,D27-D25)/2","v":106.70927027985525},106.66466107704858,106.59726896893247,106.47131162024485,106.29927764237956,106.05253747031952,105.82841956427552,105.60851696013992,105.44348785482174,105.28978920540561,104.94649108994901,104.4838104063615,104.42235953252487]
["Single parent with 3 children  (per child)","P-SD3",109.10872512169804,{"$f":"E9","v":109.10872512169804},{"$f":"IF(E28-E25<0,0,E28-E25)/3","v":109.10872512169804},109.04544442814841,108.92717144520317,108.76563349254936,108.5339467932675,108.32350230023349,108.11701603036526,107.96205526250169,107.81773394860704,107.49538019111458,107.06092718167262,107.00322574019599]
["Single parent with 4 or more children  (per child)","P-SD4+",109.10872512169804,109.10872512169804,{"$f":"IF(E28-E25<0,0,E28-E25)/3","v":109.10872512169804},109.04544442814841,108.92717144520317,108.76563349254936,108.5339467932675,108.32350230023349,108.11701603036526,107.96205526250169,107.81773394860704,107.49538019111458,107.06092718167262,107.00322574019599]
["Couple with 1 child (per child)","P-CD1",88.159389719065416,88.159389719065416,{"$f":"IF(E21-E20<0,0,E21-E20)","v":88.159389719065416},88.230554016168412,88.363556904407801,88.545217125774911,88.805765391530826,89.042423972035749,89.274632724951971,89.448894211803008,89.611193712166823,89.973700424345225,90.462270784413249,90.527161309500343]
["Couple with 2 children  (per child)","P-CD2",83.645447872394982,83.645447872394982,{"$f":"IF(E22-E20<0,0,E22-E20)/2","v":83.645447872394982},83.62480917796637,83.586235235137337,83.533548049664432,83.457983125699343,83.38934736309028,83.322001277400432,83.271459259845301,83.22438973744363,83.119253974357434,82.977556965486087,82.95873688237873]
["Couple with 3 children  (per child)","P-CD3",75.88679288118567,75.88679288118567,{"$f":"F13","v":75.88679288118567},{"$f":"IF(F23-F20<0,0,F23-F20)/3","v":75.88679288118567},75.886964241933356,75.887196876006854,75.887531552100157,75.887835821670436,75.888135302797764,75.88835778966525,75.888567172473813,75.889031509312801,75.889659626135355,75.889742878218456]
["Couple with 4 or more children  (per child)","P-CD4+",{"$f":"D14","v":75.88679288118567},{"$f":"E14","v":75.88679288118567},{"$f":"F14","v":75.88679288118567},{"$f":"IF(F23-F20<0,0,F23-F20)/3","v":75.88679288118567},75.886964241933356,75.887196876006854,75.887531552100157,75.887835821670436,75.888135302797764,75.88835778966525,75.888567172473813,75.889031509312801,75.889659626135355,75.889742878218456]
[]
[null,null,1,2,3,4,5,6,7,8,9,10,11,12,13,14]
[null,null,27000,27000,40000,54000,67000,81000,107000,134000,161000,188000,215000,269000,336000,403000]
[null,null,"or less","to","to","to","to","to","to","to","to","to","to","to","to","to"]
["Australia",null,null,40000,54000,67000,81000,107000,134000,161000,188000,215000,269000,336000,403000,671000]
["Couple",null,null,612.14804514737989,628.0091704850222,651.97109971934083,696.75531223326448,757.92341563254797,845.65360428471138,925.34006349078993,1003.5276353523718,1062.2051519210272,1116.8529566947122,1238.9146268197767,1403.4235923742817,1425.2732238836591]
["Couple with 1 child",null,null,null,716.16856020408761,740.20165373550924,785.11886913767228,846.46863275832288,934.4593696762422,1014.3824874628257,1092.8022680773238,1151.6540461328302,1206.4641504068791,1328.8883272441219,1493.885863158695,1515.8003851931594]
["Couple with 2 children",null,null,null,795.30006622981216,819.22071807527357,863.92778270353915,924.99051173187684,1012.5695705361101,1092.1187582169705,1170.1716379071727,1228.7480704407178,1283.3017361695995,1405.1531347684916,1569.3787063052539,1591.1906976484165]
["Couple with 3 or more children",null,null,null,null,879.63147836289784,924.41620495906454,985.58500626056855,1073.3161989410119,1153.0035709558013,1231.1920412607651,1289.870225290023,1344.5186582121337,1466.5817213477151,1631.0925712526878,1652.9424525183144]
[]
["Single person",null,317.51382330123641,335.3378894047907,351.22605672436993,375.22883971123935,420.08940760925162,481.36179921396632,569.24156294373574,649.06388493161637,727.38476240856392,786.16231981721319,840.90329716908025,963.17307719819598,1127.9625219305815,1149.8494048872301]
["Single parent with 1 child",null,null,434.72313258182055,450.55852566747012,474.48158230252398,519.19313975462148,580.2620093058365,667.8498724452113,747.407056288018,825.46778215802783,884.05010544899517,938.60925214488157,1060.4729009846483,1224.7149820110096,1246.5291657967416]
["Single parent with 2 children",null,null,548.75642996450119,564.55537887846708,588.42337764910428,633.03203084974132,693.96035449872545,781.34663788437479,860.72072406016741,938.60179632884376,997.04929552685667,1051.4828755798915,1173.066059378094,1336.9301427433045,1358.6941239522798]
["Single parent with 3 or more children",null,null,null,678.55223208946404,702.36517299568459,746.87092194486115,807.6586996916144,894.84340332353827,974.03439183231683,1051.7358104996597,1110.0484856047183,1164.3564990149014,1285.6592177715397,1449.1453034755993,1470.859082107818]
[]
[]
[]
[]
[]
[]
[]
["Comparison to prior Benchmark version"]
[]
["HEM 2025Q1"]
[]
[null,null,26000,26000,39000,52000,65000,78000,104000,130000,156000,182000,208000,261000,326000,391000]
[null,null,"or less","to","to","to","to","to","to","to","to","to","to","to","to","to"]
["Australia",null,null,39000,52000,65000,78000,104000,130000,156000,182000,208000,261000,326000,391000,651000]
["Couple",null,null,597.91108299976509,613.18637229822832,638.50724754411885,678.0717320313164,740.82573408115979,826.49923878830191,903.25931735857432,981.37612719918286,1034.6392298575072,1092.8634726570322,1208.4054880458145,1380.4249201526245,1403.6214793380325]
["Couple with 1 child",null,null,null,703.51356967927882,728.9696561705191,768.745410581339,831.83451343029299,917.96550938753774,995.13547869621232,1073.6694273328819,1127.2169490212348,1185.7521058855252,1301.911104557081,1474.849109256317,1498.1695340336339]
["Couple with 2 children",null,null,null,772.88476548065887,798.23344643740757,837.84137711338985,900.66429091255213,986.43187717085061,1063.2762462585986,1141.4788408523091,1194.8004311120001,1253.0886125631373,1368.7575093991657,1540.9658394487615,1564.187871602094]
["Couple with 3 or more children",null,null,null,null,862.82005209694876,902.54979605619076,965.5659209585707,1051.5972855681309,1128.6779916175246,1207.1210945340329,1260.6066762632138,1319.0741228732993,1435.0987559670718,1607.8367120787877,1631.1301638909404]
[]
["Single person",null,307.39276379464792,324.0620155799333,339.3125555367684,364.59240528786182,404.09278627765741,466.74511211799324,552.27980724388783,628.91551569648868,706.90575983276392,760.08256309178557,818.21247062138673,933.56728104788897,1105.3080024712758,1128.4669770795558]
["Single parent with 1 child",null,null,421.08735712988187,436.22588160529523,461.32005147317824,500.53030346795356,562.72244886026272,647.62889373366136,723.7017135752518,801.11912257702954,853.90534372814807,911.6082890616575,1026.1158221003311,1196.5951088174727,1219.5839846424478]
["Single parent with 2 children",null,null,529.63919809151639,544.7456118854941,569.78655492246878,608.91363623954692,670.97386534166105,755.70021367601987,831.61167067532574,908.86486772835565,961.53911508947579,1019.1196679069718,1133.3843128418043,1303.501987696809,1326.4421004808396]
["Single parent with 3 or more children",null,null,null,653.26534216569303,678.25305837175938,717.29696901114028,779.22528182305939,863.77153361837838,939.52162777539968,1016.6106128796818,1069.1728864508036,1126.6310467522862,1240.6528035832775,1410.4088665761453,1433.3002163192314]
[]
["CHANGE"]
["Couple",null,null,{"$f":"D20-D43","v":14.236962147614804},14.822798186793875,13.463852175221973,18.683580201948075,17.097681551388177,19.154365496409469,22.080746132215609,22.151508153188956,27.56592206352002,23.989484037680086,30.50913877396215,22.998672221657216,21.65174454562657]
["Couple with 1 child",null,null,null,{"$f":"E21-E44","v":12.654990524808795},11.231997564990138,16.373458556333276,14.634119328029897,16.493860288704468,19.247008766613362,19.132840744441864,24.437097111595449,20.712044521353846,26.977222687040921,19.036753902377995,17.630851159525491]
["Couple with 2 children",null,null,null,{"$f":"E22-E45","v":22.415300749153289},20.987271637866002,26.086405590149297,24.326220819324703,26.137693365259452,28.842511958371915,28.692797054863604,33.947639328717742,30.213123606462204,36.395625369325899,28.412866856492428,27.002826046322525]
["Couple with 3 or more children",null,null,null,null,{"$f":"F23-F46","v":16.811426265949081},21.866408902873786,20.019085301997848,21.718913372880934,24.325579338276611,24.070946726732245,29.263549026809187,25.444535338834385,31.482965380643236,23.255859173900035,21.812288627374073]
[]
["Single person",null,{"$f":"C25-C48","v":10.121059506588495},11.275873824857399,11.913501187601526,10.636434423377523,15.996621331594213,14.616687095973077,16.961755699847913,20.148369235127689,20.479002575799996,26.079756725427615,22.690826547693518,29.605796150307015,22.654519459305675,21.382427807674276]
["Single parent with 1 child",null,null,{"$f":"D26-D49","v":13.635775451938684},14.332644062174893,13.161530829345736,18.662836286667925,17.539560445573784,20.220978711549947,23.705342712766196,24.348659580998287,30.1447617208471,27.000963083224065,34.357078884317161,28.119873193536932,26.945181154293778]
["Single parent with 2 children",null,null,{"$f":"D27-D50","v":19.117231872984803},19.809766992972982,18.636822726635501,24.1183946101944,22.986489157064398,25.646424208354915,29.109053384841673,29.736928600488113,35.510180437380882,32.363207672919657,39.681746536289666,33.428155046495476,32.252023471440225]
["Single parent with 3 or more children",null,null,null,{"$f":"E28-E51","v":25.286889923771014},24.112114623925208,29.573952933720875,28.433417868555011,31.071869705159884,34.512764056917149,35.125197619977939,40.875599153914663,37.725452262615136,45.00641418826217,38.73643689945402,37.558865788586672]

{"sheet":"Tax Table","index":26,"n_rows":31,"n_cols":9,"rows_kept":31,"cut":false,"hidden":true,"merged":[[3,0,3,2],[3,4,3,5],[17,0,17,2]]}
[]
[null,null,null,null,null,null,null,null,"This is the Tax Offset for Low income earners"]
[null,null,null,null,null,null,null,null,"https://www.ato.gov.au/individuals/income-deductions-offsets-and-records/tax-offsets/low-and-middle-income-earner-tax-offsets/"]
["Medicare Levy 2025 - 2026",null,null,1,"Tax offset for Low income earners",null,"Tax Offset reduced %"]
["Threshold","Value","Rate",null,"Thresholds","Max Tax Offset"]
["Minimum for partial levy",28011,0.1,null,0,700]
["Minimum for full levy",35013,0.02,null,37500,700,-0.05]
[null,null,null,null,45000,325,-1.4999999999999999E-2]
[null,null,null,null,66667,0]
[null,null,null,null,999999999]
[]
[]
[]
[]
[]
[]
[]
["Tax 2026-2027"]
["Tax Bracket Min","Tax For Bracket","Tax Rate",null,null,null,null,null,"This is the  Medicare levy reduction for low income earners"]
[0,0,0,null,null,null,null,null,"https://www.ato.gov.au/individuals-and-families/medicare-and-private-health-insurance/medicare-levy/medicare-levy-reduction/medicare-levy-reduction-for-low-income-earners"]
[18200,0,0.15]
[45000,{"$f":"(A22-A21)*C21","v":4020},0.3]
[135000,{"$f":"(A22-A21)*C21+(A23-A22)*C22","v":31020},0.37]
[190000,{"$f":"(A22-A21)*C21+(A23-A22)*C22+(A24-A23)*C23","v":51370},0.45]
[999999999,{"$f":"B24","v":51370},0.45]
[]
[]
[]
[]
[]
["https://treasury.gov.au/tax-cuts"]

{"sheet":"ResidentialTestCases","index":27,"n_rows":65,"n_cols":257,"rows_kept":65,"cut":false,"hidden":true,"merged":[[0,0,0,124],[0,125,0,186],[0,187,0,248]]}
["Test Cases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases  TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases  TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases",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,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,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,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,null,null,null,null,null,null,null,null,null,null,null,null,"Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set  Original-Result-set Original-Result-set",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,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,null,null,null,null,null,"New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset ",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,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,null,null,null,null,null,"Test cases will run when date tested is blank and Run Scenario Flag is \"Y\""]
["Total Loan Amount","WAVG Interest Rate","WAVG Assessment Rate","Max Loan Term","Max IO Term","Loan Amount 1","Interest Rate 1","Assessement Rate 1","Loan Term 1","IO Term 1","Loan Amount 2","Interest Rate 2","Assessment Rate 2","Loan Term 2","IO Term 2","Status 1","Status 2","Status 3","Status 4","Status 5","Status 6","Couple With 1","Couple With 2","Couple With 3","Couple With 4","Couple With 5","Couple With 6","Dependants 1","Dependants 2","Dependants 3","Dependants 4","Dependants 5","Dependants 6","Gross Annual Income 1","Gross Annual Income 2","Gross Annual Income 3","Gross Annual Income 4","Gross Annual Income 5","Gross Annual Income 6","Untaxed Income 1","Untaxed Income 2","Untaxed Income 3","Untaxed Income 4","Untaxed Income 5","Untaxed Income 6","SEIC 1","SEIC 2","SEIC 3","SEIC 4","SEIC 5","SEIC 6","Add Backs 1","Add Backs 2","Add Backs 3","Add Backs 4","Add Backs 5","Add Backs 6","NPBT 1","NPBT 2","NPBT 3","NPBT 4","NPBT 5","NPBT 6","Investment Lending (eligible for negative gearing) - Gross Rental Income 1","Investment Lending (eligible for negative gearing) - Gross Rental Income 2","Investment Lending (eligible for negative gearing) - Gross Rental Income 3","Investment Lending (eligible for negative gearing) - Gross Rental Income 4","Investment Lending (eligible for negative gearing) - Gross Rental Income 5","Investment Lending (eligible for negative gearing) - Gross Rental Income 6","Investment Lending (eligible for negative gearing) - Investment Property Loan Balance 1","Investment Lending (eligible for negative gearing) - Investment Property Loan Balance 2","Investment Lending (eligible for negative gearing) - Investment Property Loan Balance 3","Investment Lending (eligible for negative gearing) - Investment Property Loan Balance 4","Investment Lending (eligible for negative gearing) - Investment Property Loan Balance 5","Investment Lending (eligible for negative gearing) - Investment Property Loan Balance 6","Investment Lending (ineligible for negative gearing) - Gross Rental Income 1","Investment Lending (ineligible for negative gearing) - Gross Rental Income 2","Investment Lending (ineligible for negative gearing) - Gross Rental Income 3","Investment Lending (ineligible for negative gearing) - Gross Rental Income 4","Investment Lending (ineligible for negative gearing) - Gross Rental Income 5","Investment Lending (ineligible for negative gearing) - Gross Rental Income 6","Investment Lending (ineligible for negative gearing) - Investment Property Loan Balance 1","Investment Lending (ineligible for negative gearing) - Investment Property Loan Balance 2","Investment Lending (ineligible for negative gearing) - Investment Property Loan Balance 3","Investment Lending (ineligible for negative gearing) - Investment Property Loan Balance 4","Investment Lending (ineligible for negative gearing) - Investment Property Loan Balance 5","Investment Lending (ineligible for negative gearing) - Investment Property Loan Balance 6","Primary residence utilities, rates & expenses","Primary residence strata fees & land tax","Investment property expenses (negative gearing eligible pool)","Investment property expenses (negative gearing ineligible pool)","Telephone, internet, Pay TV & media streaming","Groceries","Recreation & Entertainment","Clothing & Personal Care","Medical & Health","Transport","Education – non Private schooling","Education - Private schooling ","Childcare","Insurance - General Basic","Insurance - Health, Sickness, Personal Accident & Life","Other Living Expenses","Child & Spousal Maintenance ","Compared To Hem - Primary residence costs including utilities, rates & expenses","Compared To Hem - Body Corporate Fees, Strata Fees, Land Tax on Owner Occupied property","Compared To Hem - Investment property expenses (negative gearing eligible pool)","Compared To Hem - Investment property costs including utilities, rates & strata fees & land tax","Compared To Hem - Telephone, internet, Pay TV & media streaming","Compared To Hem - Groceries","Compared To Hem - Recreation & Entertainment","Compared To Hem - Clothing & Personal Care","Compared To Hem - Medical & Health","Compared To Hem - Transport","Compared To Hem - Education – non Private schooling","Compared To Hem - Education - Private schooling ","Compared To Hem - Childcare","Compared To Hem - Insurance - General Basic","Compared To Hem - Insurance - Health, Sickness and Personal Accident, Life ","Compared To Hem - Other Living Expenses","Compared To Hem - Child and Spousal Maintenance ","Rent/Board","Total Credit Card Limit","Other Mortgage Repayments","Other Liabilities","Tax Applicant 1","Tax Applicant 2","Tax Applicant 3","Tax Applicant 4","Tax Applicant 5","Tax Applicant 6","Net Income Applicant 1","Net Income Applicant 2","Net Income Applicant 3","Net Income Applicant 4","Net Income Applicant 5","Net Income Applicant 6","Net Income Total","Hem Living Expense Applicant 1","Hem Living Expense Applicant 2","Hem Living Expense Applicant 3","Hem Living Expense Applicant 4","Hem Living Expense Applicant 5","Hem Living Expense Applicant 6","Hem Living Expense Total","Customer Nominated Living Expenses","Living Expense Used","Net Available Income","Baseline Assessment Rate","Assessment Loading","Credit Card Commitments","Workings for Negative Gearing","Other Mortgage Repayment Buffer","Rental Income Shading","Company Tax","Actual Rate Monthly Total Income","Actual Rate Monthly - Net Income","Actual Rate Monthly - Living Costs","Actual Rate Monthly - Net Available Income","Actual Rate Monthly - Proposed Repayments","Actual Rate Monthly - Other Commitments","Actual Rate Annually Total Income","Actual Rate Annually - Net Income","Actual Rate Annually - Living Costs","Actual Rate Annually - Net Available Income","Actual Rate Annually - Proposed Repayments","Actual Rate Annually - Other Commitments","Assessment Rate Monthly Total Income","Assessment Rate Monthly - Net Income","Assessment Rate Monthly - Living Costs","Assessment Rate Monthly - Net Available Income","Assessment Rate Monthly - Proposed Repayments","Assessment Rate Monthly - Other Commitments","Assessment Rate Annually Total Income","Assessment Rate Annually - Net Income","Assessment Rate Annually - Living Costs","Assessment Rate Annually - Net Available Income","Assessment Rate Annually - Proposed Repayments","Assessment Rate Annually - Other Commitments","Actual NSR","Actual DSR","Actual Results","Assessment NSR","Assessment DSR","Assessment Results","Eligible Loan Amount","Maximum Serviceable Loan Amount","Tax Applicant 1","Tax Applicant 2","Tax Applicant 3","Tax Applicant 4","Tax Applicant 5","Tax Applicant 6","Net Income Applicant 1","Net Income Applicant 2","Net Income Applicant 3","Net Income Applicant 4","Net Income Applicant 5","Net Income Applicant 6","Net Income Total","Hem Living Expense Applicant 1","Hem Living Expense Applicant 2","Hem Living Expense Applicant 3","Hem Living Expense Applicant 4","Hem Living Expense Applicant 5","Hem Living Expense Applicant 6","Hem Living Expense Total","Customer Nominated Living Expenses","Living Expense Used","Net Available Income","Baseline Assessment Rate","Assessment Loading","Credit Card Commitments","Workings for Negative Gearing","Other Mortgage Repayment Buffer","Rental Income Shading","Company Tax","Actual Rate Monthly Total Income","Actual Rate Monthly - Net Income","Actual Rate Monthly - Living Costs","Actual Rate Monthly - Net Available Income","Actual Rate Monthly - Proposed Repayments","Actual Rate Monthly - Other Commitments","Actual Rate Annually Total Income","Actual Rate Annually - Net Income","Actual Rate Annually - Living Costs","Actual Rate Annually - Net Available Income","Actual Rate Annually - Proposed Repayments","Actual Rate Annually - Other Commitments","Assessment Rate Monthly Total Income","Assessment Rate Monthly - Net Income","Assessment Rate Monthly - Living Costs","Assessment Rate Monthly - Net Available Income","Assessment Rate Monthly - Proposed Repayments","Assessment Rate Monthly - Other Commitments","Assessment Rate Annually Total Income","Assessment Rate Annually - Net Income","Assessment Rate Annually - Living Costs","Assessment Rate Annually - Net Available Income","Assessment Rate Annually - Proposed Repayments","Assessment Rate Annually - Other Commitments","Actual NSR","Actual DSR","Actual Results","Assessment NSR","Assessment DSR","Assessment Results","Eligible Loan Amount","Maximum Serviceable Loan Amount","Pass or Fail","Run Scenario Flag","Date Tested","Scenario","Sequence","Name ","Test Results notes"]
[1000000,0.06,8.4999999999999992E-2,30,5,1000000,0.06,8.4999999999999992E-2,30,5,null,null,null,null,null,"Individual (Couple)","Individual (Couple)",null,null,null,null,"Applicant 2","Applicant 1",null,null,null,null,2,null,null,null,null,null,270000,0,0,0,0,0,0,0,0,0,0,0,135000,0,0,0,0,0,0,0,0,0,0,0,100000,0,0,0,0,0,0,100000,0,0,0,0,0,300000,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,100,0,100,0,80,300,80,30,50,50,50,0,0,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,5000,1000,500,181220,9889.6,0,0,0,0,323780,70202.45,0,0,0,0,393982.45,82741.919999999998,0,0,0,0,0,82741.919999999998,7920,82741.919999999998,311240.53000000003,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,48750,32831.870000000003,6895.16,25936.71,6443.01,1941,585000,393982.45,82741.919999999998,311240.53000000003,77316.17,23292,48750,32831.870000000003,6895.16,25936.71,7718.16,1941,585000,393982.45,82741.919999999998,311240.53000000003,92617.95,23292,3.09,0.17197977466369405,"PASS",2.68,0.19813666038420574,"PASS",1000000,3108900.72,181220,9889.6,0,0,0,0,323780,70202.45,0,0,0,0,393982.45,82741.919999999998,0,0,0,0,0,82741.919999999998,7920,82741.919999999998,311240.53000000003,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,48750,32831.870000000003,6895.16,25936.71,6443.01,1941,585000,393982.45,82741.919999999998,311240.53000000003,77316.17,23292,48750,32831.870000000003,6895.16,25936.71,7718.16,1941,585000,393982.45,82741.919999999998,311240.53000000003,92617.95,23292,3.09,0.17197977466369405,"PASS",2.68,0.19813666038420574,"PASS",1000000,3108900.72,{"$f":"IF(AND(DV3=GF3,DW3=GG3,DX3=GH3,DY3=GI3,DZ3=GJ3,EA3=GK3,EB3=GL3,EC3=GM3,ED3=GN3,EE3=GO3,EF3=GP3,EG3=GQ3,EH3=GR3,EI3=GS3,EJ3=GT3,EK3=GU3,EL3=GV3,EM3=GW3,EN3=GX3,EO3=GY3,EP3=GZ3,EQ3=HA3,ER3=HB3,ES3=HC3,ET3=HD3,EU3=HE3,EV3=HF3,EW3=HG3,EX3=HH3,EY3=HI3,EZ3=HJ3,FA3=HK3,FB3=HL3,FC3=HM3,FD3=HN3,FE3=HO3,FF3=HP3,FG3=HQ3,FH3=HR3,FI3=HS3,FJ3=HT3,FK3=HU3,FL3=HV3,FM3=HW3,FN3=HX3,FO3=HY3,FP3=HZ3,FQ3=IA3,FR3=IB3,FS3=IC3,FT3=ID3,FU3=IE3,FV3=IF3,FW3=IG3,FX3=IH3,FY3=II3,FZ3=IJ3,GA3=IK3,GB3=IL3,GC3=IM3,GD3=IN3),\"Pass\",\"Fail\")","v":"Pass"},"Y","2026-07-14T15:15:49",null,"Case 1","Neil","Reconciled - tax change",{"$f":"IO3-GE3","v":0}]
[1000000,0.06,8.4999999999999992E-2,25,0,1000000,0.06,8.4999999999999992E-2,25,0,null,null,null,null,null,"Individual (Couple)","Individual (Couple)",null,null,null,null,"Applicant 2","Applicant 1",null,null,null,null,2,null,null,null,null,null,260000,0,0,0,0,0,0,0,0,0,0,0,135000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,100000,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,2000,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,5000,1000,500,151520,16120,0,0,0,0,243480,63880,0,0,0,0,307360,82741.919999999998,0,0,0,0,0,82741.919999999998,24000,82741.919999999998,224618.08,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,39583.33,25613.33,6895.16,18718.169999999998,6443.01,1941,475000,307360,82741.919999999998,224618.08,77316.17,23292,39583.33,25613.33,6895.16,18718.169999999998,7718.16,1941,475000,307360,82741.919999999998,224618.08,92617.95,23292,2.23,0.21180666984897059,"PASS",1.93,0.24402093963107443,"PASS",1000000,2173704,151520,16120,0,0,0,0,243480,63880,0,0,0,0,307360,82741.919999999998,0,0,0,0,0,82741.919999999998,24000,82741.919999999998,224618.08,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,39583.33,25613.33,6895.16,18718.169999999998,6443.01,1941,475000,307360,82741.919999999998,224618.08,77316.17,23292,39583.33,25613.33,6895.16,18718.169999999998,7718.16,1941,475000,307360,82741.919999999998,224618.08,92617.95,23292,2.23,0.21180666984897059,"PASS",1.93,0.24402093963107443,"PASS",1000000,2173704,"Pass","Y","2026-07-14T15:15:52",null,"Case 2","Neil","Reconciled - tax change",{"$f":"IO4-GE4","v":0}]
[1000000,0.04,6.5000000000000002E-2,31,0,1000000,0.04,6.5000000000000002E-2,31,0,null,null,null,null,null,"Individual (Couple)","Individual (Couple)",null,null,null,null,"Applicant 2","Applicant 1",null,null,null,null,2,null,null,null,null,null,260000,0,0,0,0,0,0,0,0,0,0,0,135000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,100000,0,0,0,0,0,1000000,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,500,0,300,0,300,1200,1500,1200,500,400,500,0,0,500,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,5000,10000,500,151520,0,0,0,0,0,243480,80000,0,0,0,0,323480,82741.919999999998,0,0,0,0,0,82741.919999999998,75600,82741.919999999998,240738.08,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,39583.33,26956.67,6895.16,20061.509999999998,4694.71,13191,475000,323480,82741.919999999998,240738.08,56336.57,158292,39583.33,26956.67,6895.16,20061.509999999998,5926.95,13191,475000,323480,82741.919999999998,240738.08,71123.399999999994,158292,1.1200000000000001,0.45184961197873053,"PASS",1.04,0.48297978827993626,"PASS",1000000,1159112.2,151520,0,0,0,0,0,243480,80000,0,0,0,0,323480,82741.919999999998,0,0,0,0,0,82741.919999999998,75600,82741.919999999998,240738.08,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,39583.33,26956.67,6895.16,20061.509999999998,4694.71,13191,475000,323480,82741.919999999998,240738.08,56336.57,158292,39583.33,26956.67,6895.16,20061.509999999998,5926.95,13191,475000,323480,82741.919999999998,240738.08,71123.399999999994,158292,1.1200000000000001,0.45184961197873053,"PASS",1.04,0.48297978827993626,"PASS",1000000,1159112.2,"Pass","Y","2026-07-14T15:15:55",null,"Case 3","Neil","Reconciled - tax change",0]
[2000000,0.05,7.5000000000000011E-2,25,1,2000000,0.05,7.5000000000000011E-2,25,1,null,null,null,null,null,"Individual (Single)","Individual (Couple)","Individual (Single)",null,null,null,null,"Non-loan Party",null,null,null,null,null,null,3,null,null,null,80000,100000,120000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,16120,22520,28920,0,0,0,63880,77480,91080,0,0,0,232440,21844.65,39412.019999999997,46531.86,0,0,0,107788.52,0,107788.52,124651.48,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,25000,19370,8982.3799999999992,10387.620000000001,11937.95,0,300000,232440,107788.52,124651.48,143255.4,0,25000,19370,8982.3799999999992,10387.620000000001,14355.19,0,300000,232440,107788.52,124651.48,172262.3,0,0.87,0.4775180097758896,"FAIL",0.72,0.57420766358740138,"FAIL",1447141.95,1447141.95,16120,22520,28920,0,0,0,63880,77480,91080,0,0,0,232440,21844.65,39412.019999999997,46531.86,0,0,0,107788.52,0,107788.52,124651.48,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,25000,19370,8982.3799999999992,10387.620000000001,11937.95,0,300000,232440,107788.52,124651.48,143255.4,0,25000,19370,8982.3799999999992,10387.620000000001,14355.19,0,300000,232440,107788.52,124651.48,172262.3,0,0.87,0.4775180097758896,"FAIL",0.72,0.57420766358740138,"FAIL",1447141.95,1447141.95,"Pass","Y","2026-07-14T15:15:57",null,"Case 4","Neil","Reconciled - tax change",0]
[1000000,0.04,6.5000000000000002E-2,25,0,1000000,0.04,6.5000000000000002E-2,25,0,null,null,null,null,null,"Individual (Single)","Individual (Single)","Individual (Single)","Individual (Single)","Individual (Single)","Individual (Single)",null,null,null,null,null,null,null,null,null,null,null,null,18200,22000,30000,40000,95000,190000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,0,570,1968.9,4070,20920,55170,18200,22000,28731.1,36505,74080,134830,314346.09999999998,16510.72,16510.72,17437.57,18263.75,25030.81,40880.44,134634.01999999999,0,134634.01999999999,179712.08,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,32933.33,26195.51,11219.5,14976.01,5278.37,0,395200,314346.09999999998,134634.01999999999,179712.08,63340.42,0,32933.33,26195.51,11219.5,14976.01,6443.01,0,395200,314346.09999999998,134634.01999999999,179712.08,77316.17,0,2.83,0.16027434421997289,"PASS",2.3199999999999998,0.19563807737414227,"PASS",1000000,2324378,0,570,1968.9,4070,20920,55170,18200,22000,28731.1,36505,74080,134830,314346.09999999998,16510.72,16510.72,17437.57,18263.75,25030.81,40880.44,134634.01999999999,0,134634.01999999999,179712.08,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,32933.33,26195.51,11219.5,14976.01,5278.37,0,395200,314346.09999999998,134634.01999999999,179712.08,63340.42,0,32933.33,26195.51,11219.5,14976.01,6443.01,0,395200,314346.09999999998,134634.01999999999,179712.08,77316.17,0,2.83,0.16027434421997289,"PASS",2.3199999999999998,0.19563807737414227,"PASS",1000000,2324378,"Pass","Y","2026-07-14T15:16:00",null,"Case 5","Neil","Reconciled - tax change",0]
[2500000,6.7900000000000002E-2,9.290000000000001E-2,40,5,2500000,6.7900000000000002E-2,9.290000000000001E-2,40,5,null,null,null,null,null,"Company","Individual (Single)","Individual (Couple)","Individual (Couple)","Individual (Couple)","Individual (Single)","","","Non-loan Party","Applicant 5","Applicant 4","","","","","","","",0,0,80000,30000,40000,1,0,0,0,0,0,0,0,150000,0,0,0,0,75000,0,0,0,0,0,535000,0,0,0,0,0,0,0,0,50000,50000,0,0,0,0,1000000,1000000,0,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,20000,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,50000,15000,0,133750,39570,16120,0,135,0,476250,110430,63880,70000,80000,1,800561,0,33751.32,36231.279999999999,31831.7,0,16510.72,118325.02,240000,240000,560561,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,82500.08,66713.42,20000,46713.42,15604.88,20660,990001,800561,240000,560561,187258.53,247920,82500.08,66713.42,20000,46713.42,19208.39,20660,990001,800561,240000,560561,230500.65,247920,1.28,0.43957383347021517,"INCOMPLETE",1.17,0.4832526984961803,"INCOMPLETE","INCOMPLETE","INCOMPLETE",133750,39570,16120,0,135,0,476250,110430,63880,70000,80000,1,800561,0,33751.32,36231.279999999999,31831.7,0,16510.72,118325.02,240000,240000,560561,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,82500.08,66713.42,20000,46713.42,15604.88,20660,990001,800561,240000,560561,187258.53,247920,82500.08,66713.42,20000,46713.42,19208.39,20660,990001,800561,240000,560561,230500.65,247920,1.28,0.43957383347021517,"INCOMPLETE",1.17,0.4832526984961803,"INCOMPLETE","INCOMPLETE","INCOMPLETE","Pass","Y","2026-07-14T15:16:03",null,"Case 6","Neil","IO term on 40 year loan term causing incomplete results"]
[2000000,5.2900000000000003E-2,7.7899999999999997E-2,30,3,2000000,5.2900000000000003E-2,7.7899999999999997E-2,30,3,null,null,null,null,null,"Company","Individual (Single)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,1,0,0,0,0,0,30000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,300000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,75000,0,0,0,0,0,225000,30001,0,0,0,0,255001,0,17437.57,0,0,0,0,17437.57,0,17437.57,237563.43,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,27500.080000000002,21250.080000000002,1453.13,19796.95,11608.05,0,330001,255001,17437.57,237563.43,139296.62,0,27500.080000000002,21250.080000000002,1453.13,19796.95,14136.59,0,330001,255001,17437.57,237563.43,169639.12,0,1.7,0.42210969960880051,"PASS",1.4,0.51405638464231895,"PASS",2000000,2800674.73,75000,0,0,0,0,0,225000,30001,0,0,0,0,255001,0,17437.57,0,0,0,0,17437.57,0,17437.57,237563.43,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,27500.080000000002,21250.080000000002,1453.13,19796.95,11608.05,0,330001,255001,17437.57,237563.43,139296.62,0,27500.080000000002,21250.080000000002,1453.13,19796.95,14136.59,0,330001,255001,17437.57,237563.43,169639.12,0,1.7,0.42210969960880051,"PASS",1.4,0.51405638464231895,"PASS",2000000,2800674.73,"Pass","Y","2026-07-14T15:16:06",null,"Case 7","Neil","Reconciled - Investment property NG calculation change",0]
[350000,0.06,8.4999999999999992E-2,12,5,350000,0.06,8.4999999999999992E-2,12,5,null,null,null,null,null,"Individual (Couple)","Individual (Couple)","","","","","Applicant 2","Applicant 1","","","","",3,2,"","","","",100000,80000,0,0,0,0,0,1,0,0,0,0,0,25000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,30000,500,0,22520,24120,0,0,0,0,77480,80881,0,0,0,0,158361,74965.64,0,0,0,0,0,74965.64,0,74965.64,83395.360000000001,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,17083.419999999998,13196.75,6247.14,6949.61,5112.99,1771,205001,158361,74965.64,83395.360000000001,61355.93,21252,17083.419999999998,13196.75,6247.14,6949.61,5455.18,1771,205001,158361,74965.64,83395.360000000001,65462.1,21252,1,0.40296354082116337,"PASS",0.96,0.42299354876908929,"FAIL",332216.65000000002,332216.65000000002,22520,24120,0,0,0,0,77480,80881,0,0,0,0,158361,74965.64,0,0,0,0,0,74965.64,0,74965.64,83395.360000000001,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,17083.419999999998,13196.75,6247.14,6949.61,5112.99,1771,205001,158361,74965.64,83395.360000000001,61355.93,21252,17083.419999999998,13196.75,6247.14,6949.61,5455.18,1771,205001,158361,74965.64,83395.360000000001,65462.1,21252,1,0.40296354082116337,"PASS",0.96,0.42299354876908929,"FAIL",332216.65000000002,332216.65000000002,"Pass","Y","2026-07-14T15:16:08",null,"Case 8","Neil","Reconciled - tax change",0]
[350000,0.06,8.4999999999999992E-2,12,5,350000,0.06,8.4999999999999992E-2,12,5,null,null,null,null,null,"Individual (Couple)","Individual (Couple)","","","","","Applicant 2","Applicant 1","","","","",3,2,"","","","",100000,80000,0,0,0,0,0,0,0,0,0,0,0,25000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,30000,500,0,22520,24120,0,0,0,0,77480,80880,0,0,0,0,158360,74965.64,0,0,0,0,0,74965.64,0,74965.64,83394.36,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,17083.330000000002,13196.67,6247.14,6949.53,5112.99,1771,205000,158360,74965.64,83394.36,61355.93,21252,17083.330000000002,13196.67,6247.14,6949.53,5455.18,1771,205000,158360,74965.64,83394.36,65462.1,21252,1,0.40296550649697227,"PASS",0.96,0.42299561215225401,"FAIL",332216.65000000002,332216.65000000002,22520,24120,0,0,0,0,77480,80880,0,0,0,0,158360,74965.64,0,0,0,0,0,74965.64,0,74965.64,83394.36,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,17083.330000000002,13196.67,6247.14,6949.53,5112.99,1771,205000,158360,74965.64,83394.36,61355.93,21252,17083.330000000002,13196.67,6247.14,6949.53,5455.18,1771,205000,158360,74965.64,83394.36,65462.1,21252,1,0.40296550649697227,"PASS",0.96,0.42299561215225401,"FAIL",332216.65000000002,332216.65000000002,"Pass","Y","2026-07-14T15:16:11",null,"Case 9","Neil","Reconciled - tax change",0]
[500000,7.0000000000000007E-2,9.5000000000000001E-2,20,3,500000,7.0000000000000007E-2,9.5000000000000001E-2,20,3,null,null,null,null,null,"Individual (Couple)","Individual (Couple)",null,null,null,null,"Applicant 2","Applicant 1",null,null,null,null,2,null,null,null,null,null,150000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,20000,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,4000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,45810,0,0,0,0,0,120190,0,0,0,0,0,120190,60848.93,0,0,0,0,0,60848.93,48000,60848.93,59341.07,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,13833.33,10015.83,5070.74,4945.09,4198.3,0,166000,120190,60848.93,59341.07,50379.64,0,13833.33,10015.83,5070.74,4945.09,4794.0200000000004,0,166000,120190,60848.93,59341.07,57528.23,0,1.17,0.30349180227473499,"PASS",1.03,0.34655562737885331,"PASS",500000,515746.75,45810,0,0,0,0,0,120190,0,0,0,0,0,120190,60848.93,0,0,0,0,0,60848.93,48000,60848.93,59341.07,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,13833.33,10015.83,5070.74,4945.09,4198.3,0,166000,120190,60848.93,59341.07,50379.64,0,13833.33,10015.83,5070.74,4945.09,4794.0200000000004,0,166000,120190,60848.93,59341.07,57528.23,0,1.17,0.30349180227473499,"PASS",1.03,0.34655562737885331,"PASS",500000,515746.75,"Pass","Y","2026-07-14T15:16:14",null,"Case 10","Neil","Reconciled - tax change",0]
[500000,7.0000000000000007E-2,9.5000000000000001E-2,20,3,500000,7.0000000000000007E-2,9.5000000000000001E-2,20,3,null,null,null,null,null,"Individual (Couple)","Individual (Couple)",null,null,null,null,"Applicant 2","Applicant 1",null,null,null,null,2,null,null,null,null,null,150000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,20000,0,0,0,0,0,100000,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,4000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,43434.9,0,0,0,0,0,122565.1,0,0,0,0,0,122565.1,56790.18,0,0,0,0,0,56790.18,48000,56790.18,65774.92,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,13833.33,10213.76,4732.51,5481.24,4198.3,0,166000,122565.1,56790.18,65774.92,50379.64,0,13833.33,10213.76,4732.51,5481.24,4794.0200000000004,0,166000,122565.1,56790.18,65774.92,57528.23,0,1.3,0.30349180227473499,"PASS",1.1399999999999999,0.34655562737885331,"PASS",500000,571649.74,43434.9,0,0,0,0,0,122565.1,0,0,0,0,0,122565.1,56790.18,0,0,0,0,0,56790.18,48000,56790.18,65774.92,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,13833.33,10213.76,4732.51,5481.24,4198.3,0,166000,122565.1,56790.18,65774.92,50379.64,0,13833.33,10213.76,4732.51,5481.24,4794.0200000000004,0,166000,122565.1,56790.18,65774.92,57528.23,0,1.3,0.30349180227473499,"PASS",1.1399999999999999,0.34655562737885331,"PASS",500000,571649.74,"Pass","Y","2026-07-14T15:16:16",null,"Case 11","Neil","Reconciled - tax change",0]
[200000,0.05,7.5000000000000011E-2,30,0,200000,0.05,7.5000000000000011E-2,30,0,null,null,null,null,null,"Individual (Couple)","Individual (Couple)","","","","","Applicant 2","Applicant 1","","","","","","","","","","",0,10000,0,0,0,0,35000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,100,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,0,0,0,0,0,0,35000,10000,0,0,0,0,45000,32656.48,0,0,0,0,0,32656.48,1200,32656.48,12343.52,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,3750,3750,2721.37,1028.6300000000001,1073.6400000000001,0,45000,45000,32656.48,12343.52,12883.72,0,3750,3750,2721.37,1028.6300000000001,1330.61,0,45000,45000,32656.48,12343.52,15967.26,0,0.95,0.28630486560647417,"FAIL",0.77,0.35482799742889776,"FAIL",123552.82,123552.82,0,0,0,0,0,0,35000,10000,0,0,0,0,45000,32656.48,0,0,0,0,0,32656.48,1200,32656.48,12343.52,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,3750,3750,2721.37,1028.6300000000001,1073.6400000000001,0,45000,45000,32656.48,12343.52,12883.72,0,3750,3750,2721.37,1028.6300000000001,1330.61,0,45000,45000,32656.48,12343.52,15967.26,0,0.95,0.28630486560647417,"FAIL",0.77,0.35482799742889776,"FAIL",123552.82,123552.82,"Pass","Y","2026-07-14T15:16:19",null,"Case 12","Neil","Reconciled - Investment property NG calculation change",0]
[1000000,0.05,7.5000000000000011E-2,30,0,1000000,0.05,7.5000000000000011E-2,30,0,null,null,null,null,null,"Individual (Couple)","Individual (Couple)","","","","","Applicant 2","Applicant 1","","","","","","","","","","",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,200000,0,0,0,0,0,1000000,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,100,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,22232,0,0,0,0,0,137768,0,0,0,0,0,137768,39412.019999999997,0,0,0,0,0,39412.019999999997,1200,39412.019999999997,98355.98,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,13333.33,11480.67,3284.33,8196.33,5368.22,0,160000,137768,39412.019999999997,98355.98,64418.59,0,13333.33,11480.67,3284.33,8196.33,6653.03,0,160000,137768,39412.019999999997,98355.98,79836.3,0,1.52,0.40261621725910429,"PASS",1.23,0.4989768713843874,"PASS",1000000,1231920.83,22232,0,0,0,0,0,137768,0,0,0,0,0,137768,39412.019999999997,0,0,0,0,0,39412.019999999997,1200,39412.019999999997,98355.98,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,13333.33,11480.67,3284.33,8196.33,5368.22,0,160000,137768,39412.019999999997,98355.98,64418.59,0,13333.33,11480.67,3284.33,8196.33,6653.03,0,160000,137768,39412.019999999997,98355.98,79836.3,0,1.52,0.40261621725910429,"PASS",1.23,0.4989768713843874,"PASS",1000000,1231920.83,"Pass","Y","2026-07-14T15:16:22",null,"Case 13","Neil","Reconciled - tax change",0]
[1500000,0.06,8.4999999999999992E-2,30,0,1500000,0.06,8.4999999999999992E-2,30,0,null,null,null,null,null,"Individual (Couple)","Individual (Couple)","Individual (Single)","","","","Applicant 2","Applicant 1","","","","","","","","","","",300000,10000,0,0,0,0,35000,0,35000,0,0,0,116000,0,0,0,0,0,15000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,100,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,161390,0,0,0,0,0,304610,10000,35000,0,0,0,349610,74114.210000000006,0,17437.57,0,0,0,91551.78,1200,91551.78,258058.22,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,42583.33,29134.17,7629.31,21504.85,8993.26,0,511000,349610,91551.78,258058.22,107919.09,0,42583.33,29134.17,7629.31,21504.85,11006.47,0,511000,349610,91551.78,258058.22,132077.62,0,2.39,0.21119196580723176,"PASS",1.95,0.25846893013363548,"PASS",1500000,2930640.26,161390,0,0,0,0,0,304610,10000,35000,0,0,0,349610,74114.210000000006,0,17437.57,0,0,0,91551.78,1200,91551.78,258058.22,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,42583.33,29134.17,7629.31,21504.85,8993.26,0,511000,349610,91551.78,258058.22,107919.09,0,42583.33,29134.17,7629.31,21504.85,11006.47,0,511000,349610,91551.78,258058.22,132077.62,0,2.39,0.21119196580723176,"PASS",1.95,0.25846893013363548,"PASS",1500000,2930640.26,"Pass","Y","2026-07-14T15:16:25",null,"Case 14","Neil","Reconciled - tax change",0]
[1000000,0.06,8.4999999999999992E-2,30,0,1000000,0.06,8.4999999999999992E-2,30,0,null,null,null,null,null,"Individual (Single)","Individual (Couple)","Individual (Couple)","","","","","Applicant 3","Applicant 2","","","","","","","","","",0,50000,0,0,0,0,0,0,0,0,0,0,25000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,60000,60000,0,0,0,0,500000,500000,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,1000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,1020,12136,0,0,0,0,24680,85864,48000,0,0,0,158544,16510.72,39412.019999999997,0,0,0,0,55922.74,12000,55922.74,102621.26,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,14250,13212,4660.2299999999996,8551.77,5995.51,0,171000,158544,55922.74,102621.26,71946.06,0,14250,13212,4660.2299999999996,8551.77,7337.65,0,171000,158544,55922.74,102621.26,88051.75,0,1.42,0.42073721063351038,"PASS",1.1599999999999999,0.51492250798552719,"PASS",1000000,1165360.1599999999,1020,12136,0,0,0,0,24680,85864,48000,0,0,0,158544,16510.72,39412.019999999997,0,0,0,0,55922.74,12000,55922.74,102621.26,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,14250,13212,4660.2299999999996,8551.77,5995.51,0,171000,158544,55922.74,102621.26,71946.06,0,14250,13212,4660.2299999999996,8551.77,7337.65,0,171000,158544,55922.74,102621.26,88051.75,0,1.42,0.42073721063351038,"PASS",1.1599999999999999,0.51492250798552719,"PASS",1000000,1165360.1599999999,"Pass","Y","2026-07-14T15:16:27",null,"Case 15","Neil","Reconciled - tax change",0]
[200000,0.05,7.5000000000000011E-2,30,0,200000,0.05,7.5000000000000011E-2,30,0,null,null,null,null,null,"Individual (Single)","","","","","","","","","","","",1,"","","","","",107000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,100,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,10000,1000,1000,24760,0,0,0,0,0,82240,0,0,0,0,0,82240,34728.19,0,0,0,0,0,34728.19,1200,34728.19,47511.81,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,8916.67,6853.33,2894.02,3959.32,1073.6400000000001,2632,107000,82240,34728.19,47511.81,12883.72,31584,8916.67,6853.33,2894.02,3959.32,1330.61,2632,107000,82240,34728.19,47511.81,15967.26,31584,1.06,0.41558615843262936,"PASS",0.99,0.44440429798411585,"FAIL",199458.14,199458.14,24760,0,0,0,0,0,82240,0,0,0,0,0,82240,34728.19,0,0,0,0,0,34728.19,1200,34728.19,47511.81,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,8916.67,6853.33,2894.02,3959.32,1073.6400000000001,2632,107000,82240,34728.19,47511.81,12883.72,31584,8916.67,6853.33,2894.02,3959.32,1330.61,2632,107000,82240,34728.19,47511.81,15967.26,31584,1.06,0.41558615843262936,"PASS",0.99,0.44440429798411585,"FAIL",199458.14,199458.14,"Pass","Y","2026-07-14T15:16:30",null,"Case 16","Neil","Reconciled - tax change",0]
[200000,0.05,7.5000000000000011E-2,30,0,200000,0.05,7.5000000000000011E-2,30,0,null,null,null,null,null,"Individual (Single)","","","","","","","","","","","",1,"","","","","",107000,0,0,0,0,0,25000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,100,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,10000,1000,1000,24760,0,0,0,0,0,107240,0,0,0,0,0,107240,34728.19,0,0,0,0,0,34728.19,1200,34728.19,72511.81,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,11000,8936.67,2894.02,6042.65,1073.6400000000001,2632,132000,107240,34728.19,72511.81,12883.72,31584,11000,8936.67,2894.02,6042.65,1330.61,2632,132000,107240,34728.19,72511.81,15967.26,31584,1.63,0.33687665872947986,"PASS",1.52,0.36023681730530605,"PASS",200000,512548.81,24760,0,0,0,0,0,107240,0,0,0,0,0,107240,34728.19,0,0,0,0,0,34728.19,1200,34728.19,72511.81,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,11000,8936.67,2894.02,6042.65,1073.6400000000001,2632,132000,107240,34728.19,72511.81,12883.72,31584,11000,8936.67,2894.02,6042.65,1330.61,2632,132000,107240,34728.19,72511.81,15967.26,31584,1.63,0.33687665872947986,"PASS",1.52,0.36023681730530605,"PASS",200000,512548.81,"Pass","Y","2026-07-14T15:16:33",null,"Case 17","Neil","Reconciled - tax change",0]
[2500000,6.7900000000000002E-2,9.290000000000001E-2,40,5,2500000,6.7900000000000002E-2,9.290000000000001E-2,40,5,null,null,null,null,null,"Company","Individual (Single)","Individual (Couple)","Individual (Couple)","Individual (Couple)","Individual (Single)",null,null,"Non-loan Party","Applicant 5","Applicant 4",null,null,null,null,null,null,null,0,0,80000,0,0,300000,0,0,0,0,0,0,535000,150000,0,0,0,0,75000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,50000,50000,0,0,0,0,1000000,1000000,0,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,20000,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,50000,15000,0,133750,39570,16120,0,0,106870,476250,110430,63880,40000,40000,193130,923690,0,33751.32,36231.279999999999,31831.7,0,50085,151899.29999999999,240000,240000,683690,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,101666.67,76974.17,20000,56974.17,15604.88,20660,1220000,923690,240000,683690,187258.53,247920,101666.67,76974.17,20000,56974.17,19208.39,20660,1220000,923690,240000,683690,230500.65,247920,1.57,0.35670371697487419,"INCOMPLETE",1.42,0.39214807767534177,"INCOMPLETE","INCOMPLETE","INCOMPLETE",133750,39570,16120,0,0,106870,476250,110430,63880,40000,40000,193130,923690,0,33751.32,36231.279999999999,31831.7,0,50085,151899.29999999999,240000,240000,683690,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,101666.67,76974.17,20000,56974.17,15604.88,20660,1220000,923690,240000,683690,187258.53,247920,101666.67,76974.17,20000,56974.17,19208.39,20660,1220000,923690,240000,683690,230500.65,247920,1.57,0.35670371697487419,"INCOMPLETE",1.42,0.39214807767534177,"INCOMPLETE","INCOMPLETE","INCOMPLETE","Pass","Y","2026-07-14T15:16:35",null,"Case 18","Neil","IO term on 40 year loan term causing incomplete results"]
[2500000,6.7900000000000002E-2,9.290000000000001E-2,40,5,2500000,6.7900000000000002E-2,9.290000000000001E-2,40,5,null,null,null,null,null,"Company","Individual (Single)","Individual (Couple)","Individual (Couple)","Individual (Couple)","Individual (Single)","","","Non-loan Party","Applicant 5","Applicant 4","","","","","","","",0,0,80000,30000,40000,0,0,0,0,0,0,75000,0,150000,0,0,0,0,75000,0,0,0,0,0,535000,0,0,0,0,0,0,0,0,50000,50000,0,0,0,0,1000000,1000000,0,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,20000,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,50000,15000,0,133750,39570,16120,0,135,0,476250,110430,63880,70000,80000,75000,875560,0,33751.32,36231.279999999999,31831.7,0,21844.65,123658.95,240000,240000,635560,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,88750,72963.33,20000,52963.33,15604.88,20660,1065000,875560,240000,635560,187258.53,247920,88750,72963.33,20000,52963.33,19208.39,20660,1065000,875560,240000,635560,230500.65,247920,1.46,0.4086183424500906,"INCOMPLETE",1.32,0.44922127207879525,"INCOMPLETE","INCOMPLETE","INCOMPLETE",133750,39570,16120,0,135,0,476250,110430,63880,70000,80000,75000,875560,0,33751.32,36231.279999999999,31831.7,0,21844.65,123658.95,240000,240000,635560,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,88750,72963.33,20000,52963.33,15604.88,20660,1065000,875560,240000,635560,187258.53,247920,88750,72963.33,20000,52963.33,19208.39,20660,1065000,875560,240000,635560,230500.65,247920,1.46,0.4086183424500906,"INCOMPLETE",1.32,0.44922127207879525,"INCOMPLETE","INCOMPLETE","INCOMPLETE","Pass","Y","2026-07-14T15:16:38",null,"Case 19","Neil","IO term on 40 year loan term causing incomplete results"]
[2500000,6.7900000000000002E-2,9.290000000000001E-2,40,5,2500000,6.7900000000000002E-2,9.290000000000001E-2,40,5,null,null,null,null,null,"Company","Individual (Single)","Individual (Couple)","Individual (Couple)","Individual (Couple)","Individual (Single)",null,null,"Non-loan Party","Applicant 5","Applicant 4",null,null,null,null,null,null,null,0,0,80000,30000,40000,0,0,0,0,0,0,75000,535000,150000,0,0,0,0,75000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,50000,50000,0,0,0,0,1000000,1000000,0,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,20000,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,50000,15000,0,133750,39570,16120,0,135,0,476250,110430,63880,70000,80000,75000,875560,0,33751.32,36231.279999999999,31831.7,0,21844.65,123658.95,240000,240000,635560,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,88750,72963.33,20000,52963.33,15604.88,20660,1065000,875560,240000,635560,187258.53,247920,88750,72963.33,20000,52963.33,19208.39,20660,1065000,875560,240000,635560,230500.65,247920,1.46,0.4086183424500906,"INCOMPLETE",1.32,0.44922127207879525,"INCOMPLETE","INCOMPLETE","INCOMPLETE",133750,39570,16120,0,135,0,476250,110430,63880,70000,80000,75000,875560,0,33751.32,36231.279999999999,31831.7,0,21844.65,123658.95,240000,240000,635560,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,88750,72963.33,20000,52963.33,15604.88,20660,1065000,875560,240000,635560,187258.53,247920,88750,72963.33,20000,52963.33,19208.39,20660,1065000,875560,240000,635560,230500.65,247920,1.46,0.4086183424500906,"INCOMPLETE",1.32,0.44922127207879525,"INCOMPLETE","INCOMPLETE","INCOMPLETE","Pass","Y","2026-07-14T15:16:41",null,"Case 20","Neil","IO term on 40 year loan term causing incomplete results"]
[2500000,6.7900000000000002E-2,9.290000000000001E-2,40,5,2500000,6.7900000000000002E-2,9.290000000000001E-2,40,5,null,null,null,null,null,"Company","Individual (Single)","Individual (Couple)","Individual (Couple)","Individual (Couple)","Individual (Single)",null,null,"Non-loan Party","Applicant 5","Applicant 4",null,null,null,null,null,null,null,0,0,80000,30000,40000,0,0,0,0,0,0,409501,535000,150000,0,0,0,0,75000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,50000,50000,0,0,0,0,1000000,1000000,0,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,20000,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,50000,15000,0,133750,39570,16120,0,135,0,476250,110430,63880,70000,80000,409501,1210061,0,33751.32,36231.279999999999,31831.7,0,59792.17,161606.47,240000,240000,970061,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,116625.08,100838.42,20000,80838.42,15604.88,20660,1399501,1210061,240000,970061,187258.53,247920,116625.08,100838.42,20000,80838.42,19208.39,20660,1399501,1210061,240000,970061,230500.65,247920,2.2200000000000002,0.31095264291297148,"INCOMPLETE",2.02,0.34185088453950158,"INCOMPLETE","INCOMPLETE","INCOMPLETE",133750,39570,16120,0,135,0,476250,110430,63880,70000,80000,409501,1210061,0,33751.32,36231.279999999999,31831.7,0,59792.17,161606.47,240000,240000,970061,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,116625.08,100838.42,20000,80838.42,15604.88,20660,1399501,1210061,240000,970061,187258.53,247920,116625.08,100838.42,20000,80838.42,19208.39,20660,1399501,1210061,240000,970061,230500.65,247920,2.2200000000000002,0.31095264291297148,"INCOMPLETE",2.02,0.34185088453950158,"INCOMPLETE","INCOMPLETE","INCOMPLETE","Pass","Y","2026-07-14T15:16:43",null,"Case 21","Neil","IO term on 40 year loan term causing incomplete results"]
[2500000,6.7900000000000002E-2,9.290000000000001E-2,40,5,2500000,6.7900000000000002E-2,9.290000000000001E-2,40,5,null,null,null,null,null,"Company","Individual (Single)","Individual (Couple)","Individual (Couple)","Individual (Couple)","Individual (Single)",null,null,"Non-loan Party","Applicant 5","Applicant 4",null,null,null,null,null,null,null,0,0,80000,30000,40000,1,0,0,0,0,0,0,535000,150000,0,0,0,0,75000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,50000,50000,0,0,0,0,1000000,1000000,0,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,20000,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,50000,15000,0,133750,39570,16120,0,135,0,476250,110430,63880,70000,80000,1,800561,0,33751.32,36231.279999999999,31831.7,0,16510.72,118325.02,240000,240000,560561,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,82500.08,66713.42,20000,46713.42,15604.88,20660,990001,800561,240000,560561,187258.53,247920,82500.08,66713.42,20000,46713.42,19208.39,20660,990001,800561,240000,560561,230500.65,247920,1.28,0.43957383347021517,"INCOMPLETE",1.17,0.4832526984961803,"INCOMPLETE","INCOMPLETE","INCOMPLETE",133750,39570,16120,0,135,0,476250,110430,63880,70000,80000,1,800561,0,33751.32,36231.279999999999,31831.7,0,16510.72,118325.02,240000,240000,560561,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,82500.08,66713.42,20000,46713.42,15604.88,20660,990001,800561,240000,560561,187258.53,247920,82500.08,66713.42,20000,46713.42,19208.39,20660,990001,800561,240000,560561,230500.65,247920,1.28,0.43957383347021517,"INCOMPLETE",1.17,0.4832526984961803,"INCOMPLETE","INCOMPLETE","INCOMPLETE","Pass","Y","2026-07-14T15:16:46",null,"Case 22","Neil","IO term on 40 year loan term causing incomplete results"]
[2500000,6.7900000000000002E-2,9.290000000000001E-2,40,5,2500000,6.7900000000000002E-2,9.290000000000001E-2,40,5,null,null,null,null,null,"Company","Individual (Single)","Individual (Couple)","Individual (Couple)","Individual (Couple)","Individual (Single)","","","Non-loan Party","Applicant 5","Applicant 4","","","","","","","",0,0,80000,30000,40000,1,0,0,0,0,0,500000,0,1,0,0,0,0,75000,0,0,0,0,0,35000,0,0,0,0,0,0,0,0,50000,50000,0,0,0,0,1000000,1000000,0,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,20000,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,50000,15000,0,8750,0,16120,0,135,0,101250,1,63880,70000,80000,500001,815132,0,16510.72,36231.279999999999,31831.7,0,59792.17,144365.85999999999,240000,240000,575132,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,70000.17,67927.67,20000,47927.67,15604.88,20660,840002,815132,240000,575132,187258.53,247920,70000.17,67927.67,20000,47927.67,19208.39,20660,840002,815132,240000,575132,230500.65,247920,1.32,0.51806845068148233,"INCOMPLETE",1.2,0.56954704246408572,"INCOMPLETE","INCOMPLETE","INCOMPLETE",8750,0,16120,0,135,0,101250,1,63880,70000,80000,500001,815132,0,16510.72,36231.279999999999,31831.7,0,59792.17,144365.85999999999,240000,240000,575132,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,70000.17,67927.67,20000,47927.67,15604.88,20660,840002,815132,240000,575132,187258.53,247920,70000.17,67927.67,20000,47927.67,19208.39,20660,840002,815132,240000,575132,230500.65,247920,1.32,0.51806845068148233,"INCOMPLETE",1.2,0.56954704246408572,"INCOMPLETE","INCOMPLETE","INCOMPLETE","Pass","Y","2026-07-14T15:16:49",null,"Case 23","Neil","IO term on 40 year loan term causing incomplete results"]
[2000000,5.2900000000000003E-2,7.7899999999999997E-2,30,3,2000000,5.2900000000000003E-2,7.7899999999999997E-2,30,3,null,null,null,null,null,"Company","Individual (Single)","","","","","","","","","","","","","","","","",0,0,0,0,0,0,0,30000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,300000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,75000,0,0,0,0,0,225000,30000,0,0,0,0,255000,0,17437.57,0,0,0,0,17437.57,0,17437.57,237562.43,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,27500,21250,1453.13,19796.87,11608.05,0,330000,255000,17437.57,237562.43,139296.62,0,27500,21250,1453.13,19796.87,14136.59,0,330000,255000,17437.57,237562.43,169639.12,0,1.7,0.42211097872910236,"PASS",1.4,0.51405794238893909,"PASS",2000000,2800674.73,75000,0,0,0,0,0,225000,30000,0,0,0,0,255000,0,17437.57,0,0,0,0,17437.57,0,17437.57,237562.43,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,27500,21250,1453.13,19796.87,11608.05,0,330000,255000,17437.57,237562.43,139296.62,0,27500,21250,1453.13,19796.87,14136.59,0,330000,255000,17437.57,237562.43,169639.12,0,1.7,0.42211097872910236,"PASS",1.4,0.51405794238893909,"PASS",2000000,2800674.73,"Pass","Y","2026-07-14T15:16:52",null,"Case 24","Neil","Reconciled - Investment property NG calculation change",0]
[2000000,5.2900000000000003E-2,7.7899999999999997E-2,30,3,2000000,5.2900000000000003E-2,7.7899999999999997E-2,30,3,null,null,null,null,null,"Individual (Single)","Individual (Single)","","","","","","","","","","","","","","","","",0,1,0,0,0,0,0,30000,0,0,0,0,330000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,120970,0,0,0,0,0,209030,30001,0,0,0,0,239031,50085,17437.57,0,0,0,0,67522.570000000007,0,67522.570000000007,171508.43,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,30000.080000000002,19919.25,5626.88,14292.37,11608.05,0,360001,239031,67522.570000000007,171508.43,139296.62,0,30000.080000000002,19919.25,5626.88,14292.37,14136.59,0,360001,239031,67522.570000000007,171508.43,169639.12,0,1.23,0.38693398901837434,"PASS",1.01,0.47121847158299529,"PASS",2000000,2021986.43,120970,0,0,0,0,0,209030,30001,0,0,0,0,239031,50085,17437.57,0,0,0,0,67522.570000000007,0,67522.570000000007,171508.43,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,30000.080000000002,19919.25,5626.88,14292.37,11608.05,0,360001,239031,67522.570000000007,171508.43,139296.62,0,30000.080000000002,19919.25,5626.88,14292.37,14136.59,0,360001,239031,67522.570000000007,171508.43,169639.12,0,1.23,0.38693398901837434,"PASS",1.01,0.47121847158299529,"PASS",2000000,2021986.43,"Pass","Y","2026-07-14T15:16:54",null,"Case 25","Neil","Reconciled - tax change",0]
[1500000,0.06,8.4999999999999992E-2,30,0,1500000,0.06,8.4999999999999992E-2,30,0,null,null,null,null,null,"Individual (Couple)","Individual (Couple)","Individual (Single)","Individual (Single)",null,null,"Applicant 2","Applicant 1",null,null,null,null,null,null,null,null,null,null,36000,10000,0,0,0,0,35000,0,35000,100000,0,0,0,0,0,0,0,0,10000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,100,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,3390,0,0,0,0,0,78310,10000,35000,100000,0,0,223310,39412.019999999997,0,17437.57,25030.81,0,0,81880.399999999994,1200,81880.399999999994,141429.6,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,18833.330000000002,18609.169999999998,6823.37,11785.8,8993.26,0,226000,223310,81880.399999999994,141429.6,107919.09,0,18833.330000000002,18609.169999999998,6823.37,11785.8,11006.47,0,226000,223310,81880.399999999994,141429.6,132077.62,0,1.31,0.47751811737829836,"PASS",1.07,0.58441426238180416,"FAIL",1284880.78,1284880.78,3390,0,0,0,0,0,78310,10000,35000,100000,0,0,223310,39412.019999999997,0,17437.57,25030.81,0,0,81880.399999999994,1200,81880.399999999994,141429.6,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,18833.330000000002,18609.169999999998,6823.37,11785.8,8993.26,0,226000,223310,81880.399999999994,141429.6,107919.09,0,18833.330000000002,18609.169999999998,6823.37,11785.8,11006.47,0,226000,223310,81880.399999999994,141429.6,132077.62,0,1.31,0.47751811737829836,"PASS",1.07,0.58441426238180416,"FAIL",1284880.78,1284880.78,"Pass","Y","2026-07-14T15:16:57",null,"Case 26","Neil","Reconciled - tax change",0]
[1000000,0.06,8.4999999999999992E-2,30,0,1000000,0.06,8.4999999999999992E-2,30,0,null,null,null,null,null,"Individual (Single)","Individual (Couple)","Individual (Couple)",null,null,null,null,"Applicant 3","Applicant 2",null,null,null,null,null,null,null,null,null,0,50000,0,0,0,0,0,0,0,0,0,0,25000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,60000,60000,0,0,0,0,500000,500000,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,100,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,1020,12136,0,0,0,0,24680,85864,48000,0,0,0,158544,16510.72,39412.019999999997,0,0,0,0,55922.74,1200,55922.74,102621.26,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,14250,13212,4660.2299999999996,8551.77,5995.51,0,171000,158544,55922.74,102621.26,71946.06,0,14250,13212,4660.2299999999996,8551.77,7337.65,0,171000,158544,55922.74,102621.26,88051.75,0,1.42,0.42073721063351038,"PASS",1.1599999999999999,0.51492250798552719,"PASS",1000000,1165360.1599999999,1020,12136,0,0,0,0,24680,85864,48000,0,0,0,158544,16510.72,39412.019999999997,0,0,0,0,55922.74,1200,55922.74,102621.26,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,14250,13212,4660.2299999999996,8551.77,5995.51,0,171000,158544,55922.74,102621.26,71946.06,0,14250,13212,4660.2299999999996,8551.77,7337.65,0,171000,158544,55922.74,102621.26,88051.75,0,1.42,0.42073721063351038,"PASS",1.1599999999999999,0.51492250798552719,"PASS",1000000,1165360.1599999999,"Pass","Y","2026-07-14T15:17:00",null,"Case 27","Neil","Reconciled - tax change",0]
[1000000,0.05,7.5000000000000011E-2,30,0,1000000,0.05,7.5000000000000011E-2,30,0,null,null,null,null,null,"Individual (Couple)","Individual (Couple)",null,null,null,null,"Applicant 2","Applicant 1",null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,200000,0,0,0,0,0,1000000,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,100,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,22232,0,0,0,0,0,137768,0,0,0,0,0,137768,39412.019999999997,0,0,0,0,0,39412.019999999997,1200,39412.019999999997,98355.98,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,13333.33,11480.67,3284.33,8196.33,5368.22,0,160000,137768,39412.019999999997,98355.98,64418.59,0,13333.33,11480.67,3284.33,8196.33,6653.03,0,160000,137768,39412.019999999997,98355.98,79836.3,0,1.52,0.40261621725910429,"PASS",1.23,0.4989768713843874,"PASS",1000000,1231920.83,22232,0,0,0,0,0,137768,0,0,0,0,0,137768,39412.019999999997,0,0,0,0,0,39412.019999999997,1200,39412.019999999997,98355.98,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,13333.33,11480.67,3284.33,8196.33,5368.22,0,160000,137768,39412.019999999997,98355.98,64418.59,0,13333.33,11480.67,3284.33,8196.33,6653.03,0,160000,137768,39412.019999999997,98355.98,79836.3,0,1.52,0.40261621725910429,"PASS",1.23,0.4989768713843874,"PASS",1000000,1231920.83,"Pass","Y","2026-07-14T15:17:03",null,"Case 28","Neil","Reconciled - tax change",0]
[1500000,0.06,8.4999999999999992E-2,30,0,1500000,0.06,8.4999999999999992E-2,30,0,null,null,null,null,null,"Individual (Couple)","Individual (Couple)","Individual (Single)",null,null,null,"Applicant 2","Applicant 1",null,null,null,null,null,null,null,null,null,null,300000,10000,0,0,0,0,35000,0,35000,0,0,0,116000,0,0,0,0,0,15000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,100,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,161390,0,0,0,0,0,304610,10000,35000,0,0,0,349610,74114.210000000006,0,17437.57,0,0,0,91551.78,1200,91551.78,258058.22,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,42583.33,29134.17,7629.31,21504.85,8993.26,0,511000,349610,91551.78,258058.22,107919.09,0,42583.33,29134.17,7629.31,21504.85,11006.47,0,511000,349610,91551.78,258058.22,132077.62,0,2.39,0.21119196580723176,"PASS",1.95,0.25846893013363548,"PASS",1500000,2930640.26,161390,0,0,0,0,0,304610,10000,35000,0,0,0,349610,74114.210000000006,0,17437.57,0,0,0,91551.78,1200,91551.78,258058.22,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,42583.33,29134.17,7629.31,21504.85,8993.26,0,511000,349610,91551.78,258058.22,107919.09,0,42583.33,29134.17,7629.31,21504.85,11006.47,0,511000,349610,91551.78,258058.22,132077.62,0,2.39,0.21119196580723176,"PASS",1.95,0.25846893013363548,"PASS",1500000,2930640.26,"Pass","Y","2026-07-14T15:17:06",null,"Case 29","Neil","Reconciled - tax change",0]
[200000,0.05,7.5000000000000011E-2,30,0,200000,0.05,7.5000000000000011E-2,30,0,null,null,null,null,null,"Individual (Single)",null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,107000,0,0,0,0,0,25000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,100,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,10000,1000,1000,24760,0,0,0,0,0,107240,0,0,0,0,0,107240,34728.19,0,0,0,0,0,34728.19,1200,34728.19,72511.81,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,11000,8936.67,2894.02,6042.65,1073.6400000000001,2632,132000,107240,34728.19,72511.81,12883.72,31584,11000,8936.67,2894.02,6042.65,1330.61,2632,132000,107240,34728.19,72511.81,15967.26,31584,1.63,0.33687665872947986,"PASS",1.52,0.36023681730530605,"PASS",200000,512548.81,24760,0,0,0,0,0,107240,0,0,0,0,0,107240,34728.19,0,0,0,0,0,34728.19,1200,34728.19,72511.81,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,11000,8936.67,2894.02,6042.65,1073.6400000000001,2632,132000,107240,34728.19,72511.81,12883.72,31584,11000,8936.67,2894.02,6042.65,1330.61,2632,132000,107240,34728.19,72511.81,15967.26,31584,1.63,0.33687665872947986,"PASS",1.52,0.36023681730530605,"PASS",200000,512548.81,"Pass","Y","2026-07-14T15:17:09",null,"Case 30","Neil","Reconciled - tax change",0]
[200000,0.05,7.5000000000000011E-2,30,0,200000,0.05,7.5000000000000011E-2,30,0,null,null,null,null,null,"Individual (Single)","","","","","","","","","","","",1,"","","","","",107000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,100,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,10000,1000,1000,24760,0,0,0,0,0,82240,0,0,0,0,0,82240,34728.19,0,0,0,0,0,34728.19,1200,34728.19,47511.81,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,8916.67,6853.33,2894.02,3959.32,1073.6400000000001,2632,107000,82240,34728.19,47511.81,12883.72,31584,8916.67,6853.33,2894.02,3959.32,1330.61,2632,107000,82240,34728.19,47511.81,15967.26,31584,1.06,0.41558615843262936,"PASS",0.99,0.44440429798411585,"FAIL",199458.14,199458.14,24760,0,0,0,0,0,82240,0,0,0,0,0,82240,34728.19,0,0,0,0,0,34728.19,1200,34728.19,47511.81,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,8916.67,6853.33,2894.02,3959.32,1073.6400000000001,2632,107000,82240,34728.19,47511.81,12883.72,31584,8916.67,6853.33,2894.02,3959.32,1330.61,2632,107000,82240,34728.19,47511.81,15967.26,31584,1.06,0.41558615843262936,"PASS",0.99,0.44440429798411585,"FAIL",199458.14,199458.14,"Pass","Y","2026-07-14T15:17:11",null,"Case 31","Neil","Reconciled - tax change",0]
[1500000,0.06,8.4999999999999992E-2,30,0,1500000,0.06,8.4999999999999992E-2,30,0,null,null,null,null,null,"Individual (Couple)","Individual (Couple)","Individual (Single)","Individual (Single)",null,null,"Applicant 2","Applicant 1",null,null,null,null,null,null,null,null,null,null,36000,10000,0,0,0,0,35000,0,35000,100000,0,0,0,0,0,0,0,0,10000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,100,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,3390,0,0,0,0,0,78310,10000,35000,100000,0,0,223310,39412.019999999997,0,17437.57,25030.81,0,0,81880.399999999994,1200,81880.399999999994,141429.6,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,18833.330000000002,18609.169999999998,6823.37,11785.8,8993.26,0,226000,223310,81880.399999999994,141429.6,107919.09,0,18833.330000000002,18609.169999999998,6823.37,11785.8,11006.47,0,226000,223310,81880.399999999994,141429.6,132077.62,0,1.31,0.47751811737829836,"PASS",1.07,0.58441426238180416,"FAIL",1284880.78,1284880.78,3390,0,0,0,0,0,78310,10000,35000,100000,0,0,223310,39412.019999999997,0,17437.57,25030.81,0,0,81880.399999999994,1200,81880.399999999994,141429.6,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,18833.330000000002,18609.169999999998,6823.37,11785.8,8993.26,0,226000,223310,81880.399999999994,141429.6,107919.09,0,18833.330000000002,18609.169999999998,6823.37,11785.8,11006.47,0,226000,223310,81880.399999999994,141429.6,132077.62,0,1.31,0.47751811737829836,"PASS",1.07,0.58441426238180416,"FAIL",1284880.78,1284880.78,"Pass","Y","2026-07-14T15:17:14",null,"Case 32","Neil","Reconciled - tax change",0]
[3000000,7.0000000000000007E-2,9.5000000000000001E-2,40,5,3000000,7.0000000000000007E-2,9.5000000000000001E-2,40,5,null,null,null,null,null,"Company","Individual (Single)","","","","","","","","","","","","","","","","",0,0,0,0,0,0,0,225000,0,0,0,0,87500,87500,0,0,0,0,22500,22500,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,4000,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,21875,18520,0,0,0,0,88125,316480,0,0,0,0,404605,0,50085,0,0,0,0,50085,48000,98085,306520,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,37083.33,33717.08,8173.75,25543.33,19165.689999999999,0,445000,404605,98085,306520,229988.29,0,37083.33,33717.08,8173.75,25543.33,23519.79,0,445000,404605,98085,306520,282237.46999999997,0,1.33,0.51682761588668136,"INCOMPLETE",1.08,0.63424150619718878,"INCOMPLETE","INCOMPLETE","INCOMPLETE",21875,18520,0,0,0,0,88125,316480,0,0,0,0,404605,0,50085,0,0,0,0,50085,48000,98085,306520,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,37083.33,33717.08,8173.75,25543.33,19165.689999999999,0,445000,404605,98085,306520,229988.29,0,37083.33,33717.08,8173.75,25543.33,23519.79,0,445000,404605,98085,306520,282237.46999999997,0,1.33,0.51682761588668136,"INCOMPLETE",1.08,0.63424150619718878,"INCOMPLETE","INCOMPLETE","INCOMPLETE",{"$f":"IF(AND(DV35=GF35,DW35=GG35,DX35=GH35,DY35=GI35,DZ35=GJ35,EA35=GK35,EB35=GL35,EC35=GM35,ED35=GN35,EE35=GO35,EF35=GP35,EG35=GQ35,EH35=GR35,EI35=GS35,EJ35=GT35,EK35=GU35,EL35=GV35,EM35=GW35,EN35=GX35,EO35=GY35,EP35=GZ35,EQ35=HA35,ER35=HB35,ES35=HC35,ET35=HD35,EU35=HE35,EV35=HF35,EW35=HG35,EX35=HH35,EY35=HI35,EZ35=HJ35,FA35=HK35,FB35=HL35,FC35=HM35,FD35=HN35,FE35=HO35,FF35=HP35,FG35=HQ35,FH35=HR35,FI35=HS35,FJ35=HT35,FK35=HU35,FL35=HV35,FM35=HW35,FN35=HX35,FO35=HY35,FP35=HZ35,FQ35=IA35,FR35=IB35,FS35=IC35,FT35=ID35,FU35=IE35,FV35=IF35,FW35=IG35,FX35=IH35,FY35=II35,FZ35=IJ35,GA35=IK35,GB35=IL35,GC35=IM35,GD35=IN35),\"Pass\",\"Fail\")","v":"Pass"},"Y","2026-07-14T15:17:17",null,"Case 33","Neil","IO term on 40 year loan term causing incomplete results"]
[3000000,7.0000000000000007E-2,9.5000000000000001E-2,40,5,3000000,7.0000000000000007E-2,9.5000000000000001E-2,40,5,null,null,null,null,null,"Company","Individual (Single)","","","","","","","","","","","","","","","","",0,0,0,0,0,0,0,200000,0,0,0,0,87500,87500,0,0,0,0,22500,22500,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,4000,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,21875,18520,0,0,0,0,88125,291480,0,0,0,0,379605,0,50085,0,0,0,0,50085,48000,98085,281520,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,35000,31633.75,8173.75,23460,19165.689999999999,0,420000,379605,98085,281520,229988.29,0,35000,31633.75,8173.75,23460,23519.79,0,420000,379605,98085,281520,282237.46999999997,0,1.22,0.5475911644513648,"INCOMPLETE",0.99,0.67199397680416439,"INCOMPLETE","INCOMPLETE","INCOMPLETE",21875,18520,0,0,0,0,88125,291480,0,0,0,0,379605,0,50085,0,0,0,0,50085,48000,98085,281520,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,35000,31633.75,8173.75,23460,19165.689999999999,0,420000,379605,98085,281520,229988.29,0,35000,31633.75,8173.75,23460,23519.79,0,420000,379605,98085,281520,282237.46999999997,0,1.22,0.5475911644513648,"INCOMPLETE",0.99,0.67199397680416439,"INCOMPLETE","INCOMPLETE","INCOMPLETE","Pass","Y","2026-07-14T15:17:20",null,"Case 34","Neil","IO term on 40 year loan term causing incomplete results"]
[3000000,7.0000000000000007E-2,9.5000000000000001E-2,40,5,3000000,7.0000000000000007E-2,9.5000000000000001E-2,40,5,null,null,null,null,null,"Company","Individual (Single)","Individual (Couple)","Individual (Couple)","","","","","Applicant 4","Applicant 3","","","","",2,0,"","",0,225000,100000,80000,0,0,0,0,0,0,0,0,87500,87500,37500,12500,0,0,22500,22500,52500,17500,0,0,0,0,0,0,0,0,0,0,20000,20000,0,0,0,0,500000,500000,0,0,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,15000,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,25000,5000,3000,21875,112745,29896,15496,0,0,88125,222255,176104,110504,0,0,596988,0,50085,73067.960000000006,0,0,0,123152.96000000001,180000,303152.96000000002,293835.03999999998,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,64750,49749,25262.75,24486.25,19165.689999999999,10205,777000,596988,303152.96000000002,293835.03999999998,229988.29,122460,64750,49749,25262.75,24486.25,23519.79,10205,777000,596988,303152.96000000002,293835.03999999998,282237.46999999997,122460,0.83,0.45360140163394236,"INCOMPLETE",0.72,0.52084616506788806,"INCOMPLETE","INCOMPLETE","INCOMPLETE",21875,112745,29896,15496,0,0,88125,222255,176104,110504,0,0,596988,0,50085,73067.960000000006,0,0,0,123152.96000000001,180000,303152.96000000002,293835.03999999998,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,64750,49749,25262.75,24486.25,19165.689999999999,10205,777000,596988,303152.96000000002,293835.03999999998,229988.29,122460,64750,49749,25262.75,24486.25,23519.79,10205,777000,596988,303152.96000000002,293835.03999999998,282237.46999999997,122460,0.83,0.45360140163394236,"INCOMPLETE",0.72,0.52084616506788806,"INCOMPLETE","INCOMPLETE","INCOMPLETE","Pass","Y","2026-07-14T15:17:22",null,"Case 35","Neil","IO term on 40 year loan term causing incomplete results"]
[1500000,5.9900000000000002E-2,8.4900000000000003E-2,30,0,1500000,5.9900000000000002E-2,8.4900000000000003E-2,30,0,null,null,null,null,null,"Individual (Single)","Individual (Couple)","Company","Company","","","","Non-loan party","","","","","",3,"","","","",0,95000,0,25000,0,0,85000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,20000,0,0,0,0,0,0,0,0,0,30000,30000,0,0,0,0,0,1000000,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,1000,0,0,28600,0,6250,0,0,85000,90400,24000,38750,0,0,238150,25030.81,55812.44,0,0,0,0,80843.259999999995,12,80843.259999999995,157306.74,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,22750,19845.830000000002,6736.94,13108.9,8983.6200000000008,1250,273000,238150,80843.259999999995,157306.74,107803.4,15000,22750,19845.830000000002,6736.94,13108.9,10996.01,1250,273000,238150,80843.259999999995,157306.74,131952.16,15000,1.28,0.44982929052535398,"PASS",1.07,0.53828631255083303,"PASS",1500000,1617586.21,0,28600,0,6250,0,0,85000,90400,24000,38750,0,0,238150,25030.81,55812.44,0,0,0,0,80843.259999999995,12,80843.259999999995,157306.74,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,22750,19845.830000000002,6736.94,13108.9,8983.6200000000008,1250,273000,238150,80843.259999999995,157306.74,107803.4,15000,22750,19845.830000000002,6736.94,13108.9,10996.01,1250,273000,238150,80843.259999999995,157306.74,131952.16,15000,1.28,0.44982929052535398,"PASS",1.07,0.53828631255083303,"PASS",1500000,1617586.21,"Pass","Y","2026-07-14T15:17:25",null,"Case 36","Neil","Reconciled - tax change",0]
[300000,5.0900000000000001E-2,7.5899999999999995E-2,30,0,300000,5.0900000000000001E-2,7.5899999999999995E-2,30,0,null,null,null,null,null,"Individual (Couple)","Individual (Couple)","","","","","Non-loan Party","Non-loan party","","","","",3,"","","","","",72735,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,285,0,291,0,260,1100,400,700,0,69,0,0,0,48,0,0,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",1275,32500,1275,0,13795.2,0,0,0,0,0,58939.8,0,0,0,0,0,58939.8,48069.64,31831.7,0,0,0,0,79901.34,34716,83393.34,-24453.54,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,6061.25,4911.6499999999996,6949.45,-2037.8,1627.01,4110.25,72735,58939.8,83393.34,-24453.54,19524.080000000002,49323,6061.25,4911.6499999999996,6949.45,-2037.8,2014.07,4110.25,72735,58939.8,83393.34,-24453.54,24168.880000000001,49323,-0.35,0.73619408726042612,"FAIL",-0.33,0.80005335661891774,"FAIL",0,0,13795.2,0,0,0,0,0,58939.8,0,0,0,0,0,58939.8,48069.64,31831.7,0,0,0,0,79901.34,34716,83393.34,-24453.54,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,6061.25,4911.6499999999996,6949.45,-2037.8,1627.01,4110.25,72735,58939.8,83393.34,-24453.54,19524.080000000002,49323,6061.25,4911.6499999999996,6949.45,-2037.8,2014.07,4110.25,72735,58939.8,83393.34,-24453.54,24168.880000000001,49323,-0.35,0.73619408726042612,"FAIL",-0.33,0.80005335661891774,"FAIL",0,0,"Pass","Y","2026-07-14T15:17:28",null,"Case 37","Neil","Reconciled - Investment property NG calculation change",0]
[300000,0.06,8.4999999999999992E-2,40,0,300000,0.06,8.4999999999999992E-2,40,0,null,null,null,null,null,"Individual (Single)","Individual (Single)","","","","","","","","","","","","","","","","",0,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,1,1,1,0,1,1,1,1,1,1,1,0,1,1,0,1,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,0,0,0,0,0,0,0,1,0,0,0,0,1,16510.72,16510.72,0,0,0,0,33021.440000000002,144,33057.440000000002,-33056.44,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,0.08,0.08,2754.79,-2754.7,1650.64,0,1,1,33057.440000000002,-33056.44,19807.689999999999,0,0.08,0.08,2754.79,-2754.7,2085.94,0,1,1,33057.440000000002,-33056.44,25031.22,0,-1.66,19807.691061745812,"FAIL",-1.32,25031.220831890379,"FAIL",0,0,0,0,0,0,0,0,0,1,0,0,0,0,1,16510.72,16510.72,0,0,0,0,33021.440000000002,144,33057.440000000002,-33056.44,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,0.08,0.08,2754.79,-2754.7,1650.64,0,1,1,33057.440000000002,-33056.44,19807.689999999999,0,0.08,0.08,2754.79,-2754.7,2085.94,0,1,1,33057.440000000002,-33056.44,25031.22,0,-1.66,19807.691061745812,"FAIL",-1.32,25031.220831890379,"FAIL",0,0,"Pass","Y","2026-07-14T15:17:31",null,"Case 38","Neil","Reconciled - Investment property NG calculation change",0]
[100000,6.5000000000000002E-2,0.09,20,0,100000,6.5000000000000002E-2,0.09,20,0,null,null,null,null,null,"Individual (Couple)","","","","","","Non-loan Party","","","","","","","","","","","",25000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,1,1,1000,0,50,1,100,200,1,500,1,0,1,1,0,1,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,1020,0,0,0,0,0,24680,0,0,0,0,0,24680,31831.7,0,0,0,0,0,31831.7,21696,43855.7,-19175.7,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,2083.33,2056.67,3654.64,-1597.97,745.57,0,25000,24680,43855.7,-19175.7,8946.8799999999992,0,2083.33,2056.67,3654.64,-1597.97,867.82,0,25000,24680,43855.7,-19175.7,10413.879999999999,0,-2.14,0.35787510504724657,"FAIL",-1.84,0.41655515201545629,"FAIL",0,0,1020,0,0,0,0,0,24680,0,0,0,0,0,24680,31831.7,0,0,0,0,0,31831.7,21696,43855.7,-19175.7,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,2083.33,2056.67,3654.64,-1597.97,745.57,0,25000,24680,43855.7,-19175.7,8946.8799999999992,0,2083.33,2056.67,3654.64,-1597.97,867.82,0,25000,24680,43855.7,-19175.7,10413.879999999999,0,-2.14,0.35787510504724657,"FAIL",-1.84,0.41655515201545629,"FAIL",0,0,"Pass","Y","2026-07-14T15:17:33",null,"Case 39","Neil","Reconciled - Investment property NG calculation change",0]
[100000,6.5000000000000002E-2,0.09,20,0,100000,6.5000000000000002E-2,0.09,20,0,null,null,null,null,null,"Individual (Couple)","","","","","","Non-loan Party","","","","","","","","","","","",50000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,1,1,1000,0,50,1,100,200,1,500,1,0,1,1,0,1,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,6520,0,0,0,0,0,43730,0,0,0,0,0,43730,32656.48,0,0,0,0,0,32656.48,21696,44680.480000000003,-950.48,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,4166.67,3644.17,3723.37,-79.209999999999994,745.57,0,50000,43730,44680.480000000003,-950.48,8946.8799999999992,0,4166.67,3644.17,3723.37,-79.209999999999994,867.82,0,50000,43730,44680.480000000003,-950.48,10413.879999999999,0,-0.1,0.17893755252362328,"FAIL",-0.09,0.20827757600772814,"FAIL",0,0,6520,0,0,0,0,0,43730,0,0,0,0,0,43730,32656.48,0,0,0,0,0,32656.48,21696,44680.480000000003,-950.48,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,4166.67,3644.17,3723.37,-79.209999999999994,745.57,0,50000,43730,44680.480000000003,-950.48,8946.8799999999992,0,4166.67,3644.17,3723.37,-79.209999999999994,867.82,0,50000,43730,44680.480000000003,-950.48,10413.879999999999,0,-0.1,0.17893755252362328,"FAIL",-0.09,0.20827757600772814,"FAIL",0,0,"Pass","Y","2026-07-14T15:17:36",null,"Case 40","Neil","Reconciled - Investment property NG calculation change",0]
[300000,6.5000000000000002E-2,0.09,20,0,300000,6.5000000000000002E-2,0.09,20,0,null,null,null,null,null,"Individual (Couple)","Individual (Couple)","","","","","Applicant 2","Applicant 1","","","","","","","","","","",85000,45000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,1,500,1000,0,50,1,100,200,500,500,1,0,1,1,0,1,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,17720,4920,0,0,0,0,67280,40405,0,0,0,0,107685,43973.99,0,0,0,0,0,43973.99,33672,61985.99,45699.01,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,10833.33,8973.75,5165.5,3808.25,2236.7199999999998,0,130000,107685,61985.99,45699.01,26840.63,0,10833.33,8973.75,5165.5,3808.25,2603.4699999999998,0,130000,107685,61985.99,45699.01,31241.64,0,1.7,0.20646640675802683,"PASS",1.46,0.24032028000891711,"PASS",300000,438799.04,17720,4920,0,0,0,0,67280,40405,0,0,0,0,107685,43973.99,0,0,0,0,0,43973.99,33672,61985.99,45699.01,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,10833.33,8973.75,5165.5,3808.25,2236.7199999999998,0,130000,107685,61985.99,45699.01,26840.63,0,10833.33,8973.75,5165.5,3808.25,2603.4699999999998,0,130000,107685,61985.99,45699.01,31241.64,0,1.7,0.20646640675802683,"PASS",1.46,0.24032028000891711,"PASS",300000,438799.04,"Pass","Y","2026-07-14T15:17:39",null,"Case 41","Neil","Reconciled - tax change",0]
[300000,6.5000000000000002E-2,0.09,20,0,300000,6.5000000000000002E-2,0.09,20,0,null,null,null,null,null,"Individual (Couple)","Individual (Couple)","","","","","Applicant 2","Applicant 1","","","","","","","","","","",85000,45000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,1,500,1000,0,50,1,100,200,500,500,400,0,1,200,0,1,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,1800,0,17720,4920,0,0,0,0,67280,40405,0,0,0,0,107685,43973.99,0,0,0,0,0,43973.99,40848,61985.99,45699.01,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,10833.33,8973.75,5165.5,3808.25,2236.7199999999998,2250,130000,107685,61985.99,45699.01,26840.63,27000,10833.33,8973.75,5165.5,3808.25,2603.4699999999998,2250,130000,107685,61985.99,45699.01,31241.64,27000,0.84,0.41415871445033453,"FAIL",0.78,0.44801258770122482,"FAIL",179529.65,179529.65,17720,4920,0,0,0,0,67280,40405,0,0,0,0,107685,43973.99,0,0,0,0,0,43973.99,40848,61985.99,45699.01,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,10833.33,8973.75,5165.5,3808.25,2236.7199999999998,2250,130000,107685,61985.99,45699.01,26840.63,27000,10833.33,8973.75,5165.5,3808.25,2603.4699999999998,2250,130000,107685,61985.99,45699.01,31241.64,27000,0.84,0.41415871445033453,"FAIL",0.78,0.44801258770122482,"FAIL",179529.65,179529.65,"Pass","Y","2026-07-14T15:17:42",null,"Case 42","Neil","Reconciled - tax change",0]
[700000,6.5000000000000002E-2,0.09,30,0,700000,6.5000000000000002E-2,0.09,30,0,null,null,null,null,null,"Individual (Couple)","Individual (Couple)","","","","","Applicant 2","Applicant 1","","","","","","","","","","",100000,45000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,1,1,1,0,50,1,100,200,500,500,400,0,1,200,0,1,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,1800,0,22520,4920,0,0,0,0,77480,40405,0,0,0,0,117885,48117.68,0,0,0,0,0,48117.68,22872,48153.68,69731.320000000007,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,12083.33,9823.75,4012.81,5810.94,4424.4799999999996,2250,145000,117885,48153.68,69731.320000000007,53093.71,27000,12083.33,9823.75,4012.81,5810.94,5382.39,2250,145000,117885,48153.68,69731.320000000007,64588.73,27000,0.87,0.55237044119592382,"FAIL",0.76,0.63164643186954506,"FAIL",462990.97,462990.97,22520,4920,0,0,0,0,77480,40405,0,0,0,0,117885,48117.68,0,0,0,0,0,48117.68,22872,48153.68,69731.320000000007,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,12083.33,9823.75,4012.81,5810.94,4424.4799999999996,2250,145000,117885,48153.68,69731.320000000007,53093.71,27000,12083.33,9823.75,4012.81,5810.94,5382.39,2250,145000,117885,48153.68,69731.320000000007,64588.73,27000,0.87,0.55237044119592382,"FAIL",0.76,0.63164643186954506,"FAIL",462990.97,462990.97,"Pass","Y","2026-07-14T15:17:44",null,"Case 43","Neil","Reconciled - tax change",0]
[160000,6.5000000000000002E-2,0.09,30,0,160000,6.5000000000000002E-2,0.09,30,0,null,null,null,null,null,"Individual (Couple)","Individual (Couple)","","","","","Applicant 2","Applicant 1","","","","","","","","","","",56000,35000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,600,50,1,0,300,41,100,200,480,500,350,0,1,120,0,1,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,1800,0,8440,3218.9,0,0,0,0,47720,32481.1,0,0,0,0,80201.100000000006,39412.019999999997,0,0,0,0,0,39412.019999999997,29328,40036.019999999997,40165.08,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,7583.33,6683.43,3336.33,3347.09,1011.31,2250,91000,80201.100000000006,40036.019999999997,40165.08,12135.71,27000,7583.33,6683.43,3336.33,3347.09,1230.26,2250,91000,80201.100000000006,40036.019999999997,40165.08,14763.14,27000,1.02,0.43006270385785605,"PASS",0.96,0.45893559214087043,"FAIL",142668.85,142668.85,8440,3218.9,0,0,0,0,47720,32481.1,0,0,0,0,80201.100000000006,39412.019999999997,0,0,0,0,0,39412.019999999997,29328,40036.019999999997,40165.08,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,7583.33,6683.43,3336.33,3347.09,1011.31,2250,91000,80201.100000000006,40036.019999999997,40165.08,12135.71,27000,7583.33,6683.43,3336.33,3347.09,1230.26,2250,91000,80201.100000000006,40036.019999999997,40165.08,14763.14,27000,1.02,0.43006270385785605,"PASS",0.96,0.45893559214087043,"FAIL",142668.85,142668.85,"Pass","Y","2026-07-14T15:17:47",null,"Case 44","Neil","Reconciled - tax change",0]
[160000,6.5000000000000002E-2,0.09,30,0,160000,6.5000000000000002E-2,0.09,30,0,null,null,null,null,null,"Individual (Couple)","Individual (Couple)","","","","","Applicant 2","Applicant 1","","","","","","","","","","",58000,35000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,600,300,1,0,50,1,100,200,480,500,400,0,1,200,0,1,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,1800,0,9080,3218.9,0,0,0,0,49050,32481.1,0,0,0,0,81531.100000000006,39412.019999999997,0,0,0,0,0,39412.019999999997,33408,43036.02,38495.08,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,7750,6794.26,3586.33,3207.92,1011.31,2250,93000,81531.100000000006,43036.02,38495.08,12135.71,27000,7750,6794.26,3586.33,3207.92,1230.26,2250,93000,81531.100000000006,43036.02,38495.08,14763.14,27000,0.98,0.42081404355983765,"FAIL",0.92,0.44906600951418502,"FAIL",124461.34,124461.34,9080,3218.9,0,0,0,0,49050,32481.1,0,0,0,0,81531.100000000006,39412.019999999997,0,0,0,0,0,39412.019999999997,33408,43036.02,38495.08,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,7750,6794.26,3586.33,3207.92,1011.31,2250,93000,81531.100000000006,43036.02,38495.08,12135.71,27000,7750,6794.26,3586.33,3207.92,1230.26,2250,93000,81531.100000000006,43036.02,38495.08,14763.14,27000,0.98,0.42081404355983765,"FAIL",0.92,0.44906600951418502,"FAIL",124461.34,124461.34,"Pass","Y","2026-07-14T15:17:50",null,"Case 45","Neil","Reconciled - tax change",0]
[100000,6.5000000000000002E-2,0.09,20,0,100000,6.5000000000000002E-2,0.09,20,0,null,null,null,null,null,"Individual (Couple)","","","","","","Non-loan Party","","","","","","","","","","","",41000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,1,1,1000,0,50,1,100,200,1,500,1,0,1,1,0,1,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,4240,0,0,0,0,0,37285,0,0,0,0,0,37285,32656.48,0,0,0,0,0,32656.48,21696,44680.480000000003,-7395.48,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,3416.67,3107.08,3723.37,-616.29,745.57,0,41000,37285,44680.480000000003,-7395.48,8946.8799999999992,0,3416.67,3107.08,3723.37,-616.29,867.82,0,41000,37285,44680.480000000003,-7395.48,10413.879999999999,0,-0.82,0.21821652746783327,"FAIL",-0.71,0.25399704391186356,"FAIL",0,0,4240,0,0,0,0,0,37285,0,0,0,0,0,37285,32656.48,0,0,0,0,0,32656.48,21696,44680.480000000003,-7395.48,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,3416.67,3107.08,3723.37,-616.29,745.57,0,41000,37285,44680.480000000003,-7395.48,8946.8799999999992,0,3416.67,3107.08,3723.37,-616.29,867.82,0,41000,37285,44680.480000000003,-7395.48,10413.879999999999,0,-0.82,0.21821652746783327,"FAIL",-0.71,0.25399704391186356,"FAIL",0,0,"Pass","Y","2026-07-14T15:17:53",null,"Case 46","Neil","Reconciled - Investment property NG calculation change",0]
[145000,6.5000000000000002E-2,0.09,20,0,145000,6.5000000000000002E-2,0.09,20,0,null,null,null,null,null,"Individual (Couple)","","","","","","Non-loan Party","","","","","","","","","","","",51000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,1,1,1000,0,250,1,100,200,1,500,1,0,1,1,0,200,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,6840,0,0,0,0,0,44395,0,0,0,0,0,44395,32656.48,0,0,0,0,0,32656.48,24084,47068.480000000003,-2673.48,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,4250,3699.58,3922.37,-222.79,1081.08,0,51000,44395,47068.480000000003,-2673.48,12972.97,0,4250,3699.58,3922.37,-222.79,1258.3399999999999,0,51000,44395,47068.480000000003,-2673.48,15100.12,0,-0.2,0.25437201094044481,"FAIL",-0.17,0.2960808678541233,"FAIL",0,0,6840,0,0,0,0,0,44395,0,0,0,0,0,44395,32656.48,0,0,0,0,0,32656.48,24084,47068.480000000003,-2673.48,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,4250,3699.58,3922.37,-222.79,1081.08,0,51000,44395,47068.480000000003,-2673.48,12972.97,0,4250,3699.58,3922.37,-222.79,1258.3399999999999,0,51000,44395,47068.480000000003,-2673.48,15100.12,0,-0.2,0.25437201094044481,"FAIL",-0.17,0.2960808678541233,"FAIL",0,0,"Pass","Y","2026-07-14T15:17:55",null,"Case 47","Neil","Reconciled - Investment property NG calculation change",0]
[300000,5.4399999999999997E-2,7.9399999999999998E-2,30,0,300000,5.4399999999999997E-2,7.9399999999999998E-2,30,0,null,null,null,null,null,"Individual (Single)","","","","","","","","","","","","","","","","","",80000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,1,1,1,0,1,100,50,60,50,20,1,0,1,45,0,60,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,16120,0,0,0,0,0,63880,0,0,0,0,0,63880,21844.65,0,0,0,0,0,21844.65,4680,22588.65,41291.35,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,6666.67,5323.33,1882.39,3440.95,1692.09,0,80000,63880,22588.65,41291.35,20305.09,0,6666.67,5323.33,1882.39,3440.95,2085.33,0,80000,63880,22588.65,41291.35,25023.98,0,2.0299999999999998,0.25381360981084861,"PASS",1.65,0.31279977032647882,"PASS",300000,494885.27,16120,0,0,0,0,0,63880,0,0,0,0,0,63880,21844.65,0,0,0,0,0,21844.65,4680,22588.65,41291.35,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,6666.67,5323.33,1882.39,3440.95,1692.09,0,80000,63880,22588.65,41291.35,20305.09,0,6666.67,5323.33,1882.39,3440.95,2085.33,0,80000,63880,22588.65,41291.35,25023.98,0,2.0299999999999998,0.25381360981084861,"PASS",1.65,0.31279977032647882,"PASS",300000,494885.27,"Pass","Y","2026-07-14T15:17:58",null,"Case 48","Neil","Reconciled - tax change",0]
[300000,5.4399999999999997E-2,7.9399999999999998E-2,30,0,300000,5.4399999999999997E-2,7.9399999999999998E-2,30,0,null,null,null,null,null,"Individual (Single)","","","","","","","","","","","","","","","","","",60000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,1,1,1,0,1,100,50,60,50,20,1,0,1,45,0,60,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,9720,0,0,0,0,0,50380,0,0,0,0,0,50380,19511.900000000001,0,0,0,0,0,19511.900000000001,4680,20255.900000000001,30124.1,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,5000,4198.33,1687.99,2510.34,1692.09,0,60000,50380,20255.900000000001,30124.1,20305.09,0,5000,4198.33,1687.99,2510.34,2085.33,0,60000,50380,20255.900000000001,30124.1,25023.98,0,1.48,0.33841814641446483,"PASS",1.2,0.41706636043530515,"PASS",300000,361093.62,9720,0,0,0,0,0,50380,0,0,0,0,0,50380,19511.900000000001,0,0,0,0,0,19511.900000000001,4680,20255.900000000001,30124.1,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,5000,4198.33,1687.99,2510.34,1692.09,0,60000,50380,20255.900000000001,30124.1,20305.09,0,5000,4198.33,1687.99,2510.34,2085.33,0,60000,50380,20255.900000000001,30124.1,25023.98,0,1.48,0.33841814641446483,"PASS",1.2,0.41706636043530515,"PASS",300000,361093.62,"Pass","Y","2026-07-14T15:18:01",null,"Case 49","Neil","Reconciled - tax change",0]
[300000,5.3999999999999999E-2,7.9000000000000001E-2,30,0,300000,5.3999999999999999E-2,7.9000000000000001E-2,30,0,null,null,null,null,null,"Individual (Single)","Individual (Single)","","","","","","","","","","","","","","","","",45000,45000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,100,100,100,0,100,100,100,500,10,100,100,0,100,500,0,300,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,4920,4920,0,0,0,0,40405,40405,0,0,0,0,80810,18263.75,18263.75,0,0,0,0,36527.51,25320,42527.51,38282.49,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,7500,6734.17,3543.96,3190.21,1684.59,0,90000,80810,42527.51,38282.49,20215.11,0,7500,6734.17,3543.96,3190.21,2077.14,0,90000,80810,42527.51,38282.49,24925.67,0,1.89,0.22461231674784571,"PASS",1.53,0.276951920023634,"PASS",300000,460729.79,4920,4920,0,0,0,0,40405,40405,0,0,0,0,80810,18263.75,18263.75,0,0,0,0,36527.51,25320,42527.51,38282.49,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,7500,6734.17,3543.96,3190.21,1684.59,0,90000,80810,42527.51,38282.49,20215.11,0,7500,6734.17,3543.96,3190.21,2077.14,0,90000,80810,42527.51,38282.49,24925.67,0,1.89,0.22461231674784571,"PASS",1.53,0.276951920023634,"PASS",300000,460729.79,"Pass","Y","2026-07-14T15:18:03",null,"Case 50","Neil","Reconciled - tax change",0]
[300000,5.3999999999999999E-2,7.9000000000000001E-2,30,0,300000,5.3999999999999999E-2,7.9000000000000001E-2,30,0,null,null,null,null,null,"Individual (Single)","Individual (Single)","","","","","","","","","","","","","","","","",45000,25000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,100,100,100,0,100,100,100,500,10,100,100,0,100,500,0,300,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,4920,1020,0,0,0,0,40405,24680,0,0,0,0,65085,18263.75,16510.72,0,0,0,0,34774.47,25320,40774.47,24310.53,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,5833.33,5423.75,3397.87,2025.88,1684.59,0,70000,65085,40774.47,24310.53,20215.11,0,5833.33,5423.75,3397.87,2025.88,2077.14,0,70000,65085,40774.47,24310.53,24925.67,0,1.2,0.28878726439008734,"PASS",0.97,0.3560810400303866,"FAIL",292469.53999999998,292469.53999999998,4920,1020,0,0,0,0,40405,24680,0,0,0,0,65085,18263.75,16510.72,0,0,0,0,34774.47,25320,40774.47,24310.53,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,5833.33,5423.75,3397.87,2025.88,1684.59,0,70000,65085,40774.47,24310.53,20215.11,0,5833.33,5423.75,3397.87,2025.88,2077.14,0,70000,65085,40774.47,24310.53,24925.67,0,1.2,0.28878726439008734,"PASS",0.97,0.3560810400303866,"FAIL",292469.53999999998,292469.53999999998,"Pass","Y","2026-07-14T15:18:06",null,"Case 51","Neil","Reconciled - tax change",0]
[300000,0.02,5.8500000000000003E-2,30,0,300000,0.02,5.8500000000000003E-2,30,0,null,null,null,null,null,"Individual (Single)","","","","","","","","","","","","","","","","","",80000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,1,1,1,0,1,100,50,60,50,20,1,0,1,45,0,60,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,16120,0,0,0,0,0,63880,0,0,0,0,0,63880,21844.65,0,0,0,0,0,21844.65,4680,22588.65,41291.35,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,6666.67,5323.33,1882.39,3440.95,1108.8599999999999,0,80000,63880,22588.65,41291.35,13306.3,0,6666.67,5323.33,1882.39,3440.95,1703.37,0,80000,63880,22588.65,41291.35,20440.400000000001,0,3.1,0.16632876270996924,"PASS",2.02,0.25550505060615131,"PASS",300000,605858.87,16120,0,0,0,0,0,63880,0,0,0,0,0,63880,21844.65,0,0,0,0,0,21844.65,4680,22588.65,41291.35,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,6666.67,5323.33,1882.39,3440.95,1108.8599999999999,0,80000,63880,22588.65,41291.35,13306.3,0,6666.67,5323.33,1882.39,3440.95,1703.37,0,80000,63880,22588.65,41291.35,20440.400000000001,0,3.1,0.16632876270996924,"PASS",2.02,0.25550505060615131,"PASS",300000,605858.87,"Pass","Y","2026-07-14T15:18:09",null,"Case 52","Neil","Reconciled - tax change",0]
[300000,0.03,5.8500000000000003E-2,30,0,300000,0.03,5.8500000000000003E-2,30,0,null,null,null,null,null,"Individual (Single)","","","","","","","","","","","","","","","","","",60000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,1,1,1,0,1,100,50,60,50,20,1,0,1,45,0,60,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,9720,0,0,0,0,0,50380,0,0,0,0,0,50380,19511.900000000001,0,0,0,0,0,19511.900000000001,4680,20255.900000000001,30124.1,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,5000,4198.33,1687.99,2510.34,1264.81,0,60000,50380,20255.900000000001,30124.1,15177.75,0,5000,4198.33,1687.99,2510.34,1703.37,0,60000,50380,20255.900000000001,30124.1,20440.400000000001,0,1.98,0.25296242023767029,"PASS",1.47,0.34067340080820169,"PASS",300000,442065.63,9720,0,0,0,0,0,50380,0,0,0,0,0,50380,19511.900000000001,0,0,0,0,0,19511.900000000001,4680,20255.900000000001,30124.1,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,5000,4198.33,1687.99,2510.34,1264.81,0,60000,50380,20255.900000000001,30124.1,15177.75,0,5000,4198.33,1687.99,2510.34,1703.37,0,60000,50380,20255.900000000001,30124.1,20440.400000000001,0,1.98,0.25296242023767029,"PASS",1.47,0.34067340080820169,"PASS",300000,442065.63,"Pass","Y","2026-07-14T15:18:11",null,"Case 53","Neil","Reconciled - tax change",0]
[300000,3.3399999999999999E-2,5.8500000000000003E-2,30,0,300000,3.3399999999999999E-2,5.8500000000000003E-2,30,0,null,null,null,null,null,"Individual (Single)","Individual (Single)","","","","","","","","","","","","","","","","",45000,45000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,100,100,100,0,100,100,100,500,10,100,100,0,100,500,0,300,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,4920,4920,0,0,0,0,40405,40405,0,0,0,0,80810,18263.75,18263.75,0,0,0,0,36527.51,25320,42527.51,38282.49,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,7500,6734.17,3543.96,3190.21,1320.48,0,90000,80810,42527.51,38282.49,15845.8,0,7500,6734.17,3543.96,3190.21,1703.37,0,90000,80810,42527.51,38282.49,20440.400000000001,0,2.41,0.17606444647275668,"PASS",1.87,0.22711560053880114,"PASS",300000,561828.42000000004,4920,4920,0,0,0,0,40405,40405,0,0,0,0,80810,18263.75,18263.75,0,0,0,0,36527.51,25320,42527.51,38282.49,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,7500,6734.17,3543.96,3190.21,1320.48,0,90000,80810,42527.51,38282.49,15845.8,0,7500,6734.17,3543.96,3190.21,1703.37,0,90000,80810,42527.51,38282.49,20440.400000000001,0,2.41,0.17606444647275668,"PASS",1.87,0.22711560053880114,"PASS",300000,561828.42000000004,"Pass","Y","2026-07-14T15:18:14",null,"Case 54","Neil","Reconciled - tax change",0]
[300000,3.3599999999999998E-2,5.8599999999999999E-2,30,0,300000,3.3599999999999998E-2,5.8599999999999999E-2,30,0,null,null,null,null,null,"Individual (Single)","Individual (Single)","","","","","","","","","","","","","","","","",45000,25000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,100,100,100,0,100,100,100,500,10,100,100,0,100,500,0,300,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,4920,1020,0,0,0,0,40405,24680,0,0,0,0,65085,18263.75,16510.72,0,0,0,0,34774.47,25320,40774.47,24310.53,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,5833.33,5423.75,3397.87,2025.88,1323.8,0,70000,65085,40774.47,24310.53,15885.59,0,5833.33,5423.75,3397.87,2025.88,1703.37,0,70000,65085,40774.47,24310.53,20440.400000000001,0,1.53,0.226936965201672,"PASS",1.18,0.29200577212131573,"PASS",300000,356646.57,4920,1020,0,0,0,0,40405,24680,0,0,0,0,65085,18263.75,16510.72,0,0,0,0,34774.47,25320,40774.47,24310.53,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,5833.33,5423.75,3397.87,2025.88,1323.8,0,70000,65085,40774.47,24310.53,15885.59,0,5833.33,5423.75,3397.87,2025.88,1703.37,0,70000,65085,40774.47,24310.53,20440.400000000001,0,1.53,0.226936965201672,"PASS",1.18,0.29200577212131573,"PASS",300000,356646.57,"Pass","Y","2026-07-14T15:18:17",null,"Case 55","Neil","Reconciled - tax change",0]
[1200000,4.7625000000000001E-2,7.2624999999999995E-2,30,3,500000,4.4999999999999998E-2,7.0000000000000007E-2,30,3,700000,{"$f":"G58","v":4.4999999999999998E-2},{"$f":"H58","v":7.0000000000000007E-2},20,0,"Individual (Single)","","","","","","","","","","","","","","","","","",100000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,100,100,100,0,100,100,100,500,10,100,100,0,100,500,0,300,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,22520,0,0,0,0,0,77480,0,0,0,0,0,77480,25030.81,0,0,0,0,0,25030.81,25320,31030.81,46449.19,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,8333.33,6456.67,2585.9,3870.77,7097.15,0,100000,77480,31030.81,46449.19,85165.78,0,8333.33,6456.67,2585.9,3870.77,8496.7900000000009,0,100000,77480,31030.81,46449.19,101961.44,0,0.54,0.85165776865398279,"FAIL",0.45,1.0196144172338653,"FAIL",552725.5,552725.5,22520,0,0,0,0,0,77480,0,0,0,0,0,77480,25030.81,0,0,0,0,0,25030.81,25320,31030.81,46449.19,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,8333.33,6456.67,2585.9,3870.77,7097.15,0,100000,77480,31030.81,46449.19,85165.78,0,8333.33,6456.67,2585.9,3870.77,8496.7900000000009,0,100000,77480,31030.81,46449.19,101961.44,0,0.54,0.85165776865398279,"FAIL",0.45,1.0196144172338653,"FAIL",552725.5,552725.5,"Pass","Y","2026-07-14T15:18:19",null,"Case 56","Neil","Reconciled - tax change",0]
[1600000,3.0062499999999999E-2,5.50625E-2,30,5,1000000,3.2500000000000001E-2,5.7500000000000002E-2,30,5,600000,{"$f":"G59","v":3.2500000000000001E-2},{"$f":"H59","v":5.7500000000000002E-2},30,0,"Individual (Single)","","","","","","","","","","","","","","","","","",100000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,100,100,100,0,100,100,100,500,10,100,100,0,100,500,0,300,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,22520,0,0,0,0,0,77480,0,0,0,0,0,77480,25030.81,0,0,0,0,0,25030.81,25320,31030.81,46449.19,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,8333.33,6456.67,2585.9,3870.77,7484.4,0,100000,77480,31030.81,46449.19,89812.800000000003,0,8333.33,6456.67,2585.9,3870.77,9547.61,0,100000,77480,31030.81,46449.19,114571.31,0,0.51,0.89812802014011206,"FAIL",0.4,1.1457130717076065,"FAIL",651142.5,651142.5,22520,0,0,0,0,0,77480,0,0,0,0,0,77480,25030.81,0,0,0,0,0,25030.81,25320,31030.81,46449.19,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,8333.33,6456.67,2585.9,3870.77,7484.4,0,100000,77480,31030.81,46449.19,89812.800000000003,0,8333.33,6456.67,2585.9,3870.77,9547.61,0,100000,77480,31030.81,46449.19,114571.31,0,0.51,0.89812802014011206,"FAIL",0.4,1.1457130717076065,"FAIL",651142.5,651142.5,"Pass","Y","2026-07-14T15:18:22",null,"Case 57","Neil","Reconciled - tax change",0]
[700000,5.1071428571428573E-2,7.6071428571428568E-2,35,0,250000,4.3999999999999997E-2,6.9000000000000006E-2,25,0,450000,4.3999999999999997E-2,6.9000000000000006E-2,35,0,"Individual (Single)","","","","","","","","","","","","","","","","","",100000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,100,100,100,0,100,100,100,500,10,100,100,0,100,500,0,300,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,22520,0,0,0,0,0,77480,0,0,0,0,0,77480,25030.81,0,0,0,0,0,25030.81,25320,31030.81,46449.19,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,8333.33,6456.67,2585.9,3870.77,3477.3,0,100000,77480,31030.81,46449.19,41727.620000000003,0,8333.33,6456.67,2585.9,3870.77,4360.28,0,100000,77480,31030.81,46449.19,52323.39,0,1.1100000000000001,0.41727623496175831,"PASS",0.88,0.52323393302093846,"FAIL",628017.96,628017.96,22520,0,0,0,0,0,77480,0,0,0,0,0,77480,25030.81,0,0,0,0,0,25030.81,25320,31030.81,46449.19,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,8333.33,6456.67,2585.9,3870.77,3477.3,0,100000,77480,31030.81,46449.19,41727.620000000003,0,8333.33,6456.67,2585.9,3870.77,4360.28,0,100000,77480,31030.81,46449.19,52323.39,0,1.1100000000000001,0.41727623496175831,"PASS",0.88,0.52323393302093846,"FAIL",628017.96,628017.96,"Pass","Y","2026-07-14T15:18:25",null,"Case 58","Neil","Reconciled - tax change",0]
[450000,4.8333333333333332E-2,7.3333333333333334E-2,40,5,150000,5.5E-2,0.08,40,0,300000,5.5E-2,0.08,30,5,"Individual (Single)","","","","","","","","","","","","","","","","","",100000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,100,100,100,0,100,100,100,500,10,100,100,0,100,500,0,300,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,22520,0,0,0,0,0,77480,0,0,0,0,0,77480,25030.81,0,0,0,0,0,25030.81,25320,31030.81,46449.19,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,8333.33,6456.67,2585.9,3870.77,2615.92,0,100000,77480,31030.81,46449.19,31391.01,0,8333.33,6456.67,2585.9,3870.77,3204.08,0,100000,77480,31030.81,46449.19,38448.959999999999,0,1.47,0.31391014785960886,"PASS",1.2,0.38448955500912713,"PASS",450000,553478.22,22520,0,0,0,0,0,77480,0,0,0,0,0,77480,25030.81,0,0,0,0,0,25030.81,25320,31030.81,46449.19,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,8333.33,6456.67,2585.9,3870.77,2615.92,0,100000,77480,31030.81,46449.19,31391.01,0,8333.33,6456.67,2585.9,3870.77,3204.08,0,100000,77480,31030.81,46449.19,38448.959999999999,0,1.47,0.31391014785960886,"PASS",1.2,0.38448955500912713,"PASS",450000,553478.22,"Pass","Y","2026-07-14T15:18:27",null,"Case 59","Neil","Reconciled - tax change",0]
[2250000,3.0111111111111113E-2,5.5111111111111111E-2,30,5,2000000,2.9499999999999998E-2,5.5E-2,30,0,250000,2.9499999999999998E-2,5.5E-2,30,5,"Individual (Single)","","","","","","","","","","","","","","","","","",100000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,100,100,100,0,100,100,100,500,10,100,100,0,100,500,0,300,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,22520,0,0,0,0,0,77480,0,0,0,0,0,77480,25030.81,0,0,0,0,0,25030.81,25320,31030.81,46449.19,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,8333.33,6456.67,2585.9,3870.77,9557.2800000000007,0,100000,77480,31030.81,46449.19,114687.37,0,8333.33,6456.67,2585.9,3870.77,12891,0,100000,77480,31030.81,46449.19,154691.99,0,0.4,1.1468737331900993,"FAIL",0.3,1.5469198509172482,"FAIL",676552.57,676552.57,22520,0,0,0,0,0,77480,0,0,0,0,0,77480,25030.81,0,0,0,0,0,25030.81,25320,31030.81,46449.19,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,8333.33,6456.67,2585.9,3870.77,9557.2800000000007,0,100000,77480,31030.81,46449.19,114687.37,0,8333.33,6456.67,2585.9,3870.77,12891,0,100000,77480,31030.81,46449.19,154691.99,0,0.4,1.1468737331900993,"FAIL",0.3,1.5469198509172482,"FAIL",676552.57,676552.57,"Pass","Y","2026-07-14T15:18:30",null,"Case 60","Neil","Reconciled - tax change",0]
[1850000,4.5783783783783782E-2,7.0783783783783777E-2,30,5,1100000,3.95E-2,6.4500000000000002E-2,30,5,750000,3.95E-2,6.4500000000000002E-2,15,0,"Individual (Single)","","","","","","","","","","","","","","","","","",100000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,100,100,100,0,100,100,100,500,10,100,100,0,100,500,0,300,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,0,0,0,22520,0,0,0,0,0,77480,0,0,0,0,0,77480,25030.81,0,0,0,0,0,25030.81,25320,31030.81,46449.19,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,8333.33,6456.67,2585.9,3870.77,11304.77,0,100000,77480,31030.81,46449.19,135657.19,0,8333.33,6456.67,2585.9,3870.77,13362.42,0,100000,77480,31030.81,46449.19,160349.01,0,0.34,1.3565719082293997,"FAIL",0.28000000000000003,1.6034900898789013,"FAIL",555361.17000000004,555361.17000000004,22520,0,0,0,0,0,77480,0,0,0,0,0,77480,25030.81,0,0,0,0,0,25030.81,25320,31030.81,46449.19,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,8333.33,6456.67,2585.9,3870.77,11304.77,0,100000,77480,31030.81,46449.19,135657.19,0,8333.33,6456.67,2585.9,3870.77,13362.42,0,100000,77480,31030.81,46449.19,160349.01,0,0.34,1.3565719082293997,"FAIL",0.28000000000000003,1.6034900898789013,"FAIL",555361.17000000004,555361.17000000004,"Pass","Y","2026-07-14T15:18:33",null,"Case 61","Neil","Reconciled - tax change",0]
[489000,4.9911656441717793E-2,7.4911656441717794E-2,30,0,346000,5.5E-2,0.08,10,0,143000,5.5E-2,0.08,30,0,"Individual (Single)","","","","","","","","","","","",2,"","","","","",55000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,1,1,1,0,1,1,1,1,1,1,1,0,1,1,0,1,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,2000,0,0,8120,0,0,0,0,0,47055,0,0,0,0,0,47055,30598.02,0,0,0,0,0,30598.02,144,30634.02,16420.98,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,4583.33,3921.25,2552.83,1368.42,4566.95,76.400000000000006,55000,47055,30634.02,16420.98,54803.37,916.8,4583.33,3921.25,2552.83,1368.42,5106.96,76.400000000000006,55000,47055,30634.02,16420.98,61283.5,916.8,0.28999999999999998,1.013093997678294,"FAIL",0.26,1.1309144638540429,"FAIL",143513.06,143513.06,8120,0,0,0,0,0,47055,0,0,0,0,0,47055,30598.02,0,0,0,0,0,30598.02,144,30634.02,16420.98,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,4583.33,3921.25,2552.83,1368.42,4566.95,76.400000000000006,55000,47055,30634.02,16420.98,54803.37,916.8,4583.33,3921.25,2552.83,1368.42,5106.96,76.400000000000006,55000,47055,30634.02,16420.98,61283.5,916.8,0.28999999999999998,1.013093997678294,"FAIL",0.26,1.1309144638540429,"FAIL",143513.06,143513.06,"Pass","Y","2026-07-14T15:18:36",null,"Case 62","Neil","Reconciled - tax change",0]
[355000,3.0394366197183099E-2,5.5394366197183104E-2,30,5,145000,4.3999999999999997E-2,6.9000000000000006E-2,25,5,210000,4.3999999999999997E-2,6.9000000000000006E-2,30,0,"Individual (Single)","","","","","","","","","","","",2,"","","","","",55000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,1,1,1,0,1,1,1,1,1,1,1,0,1,1,0,1,0,"Yes","No","No","No","Yes","Yes","Yes","Yes","Yes","Yes","Yes","No","Yes","Yes","No","No","No",0,2000,0,0,8120,0,0,0,0,0,47055,0,0,0,0,0,47055,30598.02,0,0,0,0,0,30598.02,144,30634.02,16420.98,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,4583.33,3921.25,2552.83,1368.42,1961.13,76.400000000000006,55000,47055,30634.02,16420.98,23533.57,916.8,4583.33,3921.25,2552.83,1368.42,2386.12,76.400000000000006,55000,47055,30634.02,16420.98,28633.49,916.8,0.67,0.44455222196447941,"FAIL",0.55000000000000004,0.53727793080390573,"FAIL",195920.17,195920.17,8120,0,0,0,0,0,47055,0,0,0,0,0,47055,30598.02,0,0,0,0,0,30598.02,144,30634.02,16420.98,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,4583.33,3921.25,2552.83,1368.42,1961.13,76.400000000000006,55000,47055,30634.02,16420.98,23533.57,916.8,4583.33,3921.25,2552.83,1368.42,2386.12,76.400000000000006,55000,47055,30634.02,16420.98,28633.49,916.8,0.67,0.44455222196447941,"FAIL",0.55000000000000004,0.53727793080390573,"FAIL",195920.17,195920.17,"Pass","Y","2026-07-14T15:18:39",null,"Case 63","Neil","Reconciled - tax change",0]

{"sheet":"CommercialTestCases","index":28,"n_rows":15,"n_cols":183,"rows_kept":15,"cut":false,"hidden":true,"merged":[[0,121,0,175],[0,0,0,65],[0,66,0,120]]}
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["New Loan Amount","Interest Rate","Documentation Type","Loan Term (Years)","I/O Term (Years)","Loan Amount 1","Rate 1","Actual Loan Repayment (Monthly) 1","Loan Amount 2","Rate 2","Actual Loan Repayment (Monthly) 2","Loan Amount 3","Rate 3","Actual Loan Repayment (Monthly) 3","Loan Amount 4","Rate 4","Actual Loan Repayment (Monthly) 4","Net Profit Before Tax","Proposed Net CRE Rental Income","Proposed Gross Residential Rental Income","Depreciation","Ammortisation","Interest Paid","Directors Salaries/ Fees / Super","Other","Status Applicant 1","Status Applicant 2","Status Applicant 3","Status Applicant 4","Couple with  Applicant 1","Couple with  Applicant 2","Couple with  Applicant 3","Couple with  Applicant 4","Dependent Applicant 1","Dependent Applicant 2","Dependent Applicant 3","Dependent Applicant 4","Gross Annual Income Applicant 1","Gross Annual Income Applicant 2","Gross Annual Income Applicant 3","Gross Annual Income Applicant 4","Untaxed Allowable Income Applicant 1","Untaxed Allowable Income Applicant 2","Untaxed Allowable Income Applicant 3","Untaxed Allowable Income Applicant 4","Gross Residential Rental Income (Other) Applicant 1  (Negative Gearing Eligible)","Gross Residential Rental Income (Other) Applicant 2  (Negative Gearing Eligible)","Gross Residential Rental Income (Other) Applicant 3  (Negative Gearing Eligible)","Gross Residential Rental Income (Other) Applicant 4  (Negative Gearing Eligible)","Gross Residential Rental Income (Other) Applicant 1  (Negative Gearing Ineligible)","Gross Residential Rental Income (Other) Applicant 2  (Negative Gearing Ineligible)","Gross Residential Rental Income (Other) Applicant 3  (Negative Gearing Ineligible)","Gross Residential Rental Income (Other) Applicant 4  (Negative Gearing Ineligible)","Investment Property Negative Gearing eligible Loan Balance (personal name) Applicant 1","Investment Property Negative Gearing eligible Loan Balance (personal name) Applicant 2","Investment Property Negative Gearing eligible Loan Balance (personal name) Applicant 3","Investment Property Negative Gearing eligible Loan Balance (personal name) Applicant 1","Investment Property Loan Balance (personal name) Applicant 1","Investment Property Loan Balance (personal name) Applicant 2","Investment Property Loan Balance (personal name) Applicant 3","Investment Property Loan Balance (personal name) Applicant 4","Living Expenses Monthly (Declared Living Expenses)","Rent/Board","Total Credit Card Limit","Personal Mortgage Repayments","Other Consumer Debt","P&I Repayment","IO Repayment","Earning Before Interest, Tax, Depreciation & Ammortisation (EBITDA)"," Total Add Backs","Total Income Applicant 1","Total Income Applicant 2","Total Income Applicant 3","Total Income Applicant 4","Total Gross Annual Income of All Applicants","Tax Applicant 1","Tax Applicant 2","Tax Applicant 3","Tax Applicant 4","Tax offset for Low Income Earners Applicant 1","Tax offset for Low Income Earners Applicant 2","Tax offset for Low Income Earners Applicant 3","Tax offset for Low Income Earners Applicant 4","Total Net Annual Income Applicant 1","Total Net Annual Income Applicant 2","Total Net Annual Income Applicant 3","Total Net Annual Income Applicant 4","Total Net Annual Income of All Applicants","Total Taxable Income Applicant 1","Total Taxable Income Applicant 2","Total Taxable Income Applicant 3","Total Taxable Income Applicant 4","Total Taxable Income For All Applicants","Spouse Income Applicant 1","Spouse Income Applicant 2","Spouse Income Applicant 3","Spouse Income Applicant 4","Hem Living Expense Applicant 1","Hem Living Expense Applicant 2","Hem Living Expense Applicant 3","Hem Living Expense Applicant 4","Hem Living Expense Total","Customer Nominated Living Expenses","Used Living Expenses","Personal rent","Personal Debt","Baseline Assessment Rate","Assessment Loading","Credit Card Commitments","Workings for Negative Gearing","Other Mortgage Repayment Buffer","Rental Income Shading","Company Tax","Business income (EBITDA + net personal contribution)","Interest Expenses","Debt Repayments","Interest Coverage Ratio (ICR) %","Debt Service Coverage Ratio (DSCR) %","Interest Coverage Ratio (ICR) Flag","Debt Service Coverage Ratio (DSCR) Flag","Application Status Flag","P&I Repayment","IO Repayment","Earning Before Interest, Tax, Depreciation & Ammortisation (EBITDA)"," Total Add Backs","Total Income Applicant 1","Total Income Applicant 2","Total Income Applicant 3","Total Income Applicant 4","Total Gross Annual Income of All Applicants","Tax Applicant 1","Tax Applicant 2","Tax Applicant 3","Tax Applicant 4","Tax offset for Low Income Earners Applicant 1","Tax offset for Low Income Earners Applicant 2","Tax offset for Low Income Earners Applicant 3","Tax offset for Low Income Earners Applicant 4","Total Net Annual Income Applicant 1","Total Net Annual Income Applicant 2","Total Net Annual Income Applicant 3","Total Net Annual Income Applicant 4","Total Net Annual Income of All Applicants","Total Taxable Income Applicant 1","Total Taxable Income Applicant 2","Total Taxable Income Applicant 3","Total Taxable Income Applicant 4","Total Taxable Income For All Applicants","Spouse Income Applicant 1","Spouse Income Applicant 2","Spouse Income Applicant 3","Spouse Income Applicant 4","Hem Living Expense Applicant 1","Hem Living Expense Applicant 2","Hem Living Expense Applicant 3","Hem Living Expense Applicant 4","Hem Living Expense Total","Customer Nominated Living Expenses","Used Living Expenses","Personal rent","Personal Debt","Baseline Assessment Rate","Assessment Loading","Credit Card Commitments","Workings for Negative Gearing","Other Mortgage Repayment Buffer","Rental Income Shading","Company Tax","Business income (EBITDA + net personal contribution)","Interest Expenses","Debt Repayments","Interest Coverage Ratio (ICR) %","Debt Service Coverage Ratio (DSCR) %","Interest Coverage Ratio (ICR) Flag","Debt Service Coverage Ratio (DSCR) Flag","Application Status Flag","Pass or Fail","Run Scenario Flag","Date Tested","Scenario","Sequence","Name ","Test Results notes"]
[1000000,0.05,"Full Doc",12,0,0,0,0,0,0,0,0,0,0,0,0,0,50000,70000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,10283.81,0,120000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1,1,1,null,0,0,0,0,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,120000,50000,123405.73,2.4,0.97240216185426642,null,"FAIL","COMPLETE",10283.81,0,120000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1,1,1,null,0,0,0,0,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,120000,50000,123405.73,2.4,0.97240216185426642,null,"FAIL","COMPLETE",{"$f":"IF(AND(CK3=EN3,CL3=EO3,CM3=EP3,CN3=EQ3,CO3=ER3,CP3=ES3,CQ3=ET3,CR3=EU3,CS3=EV3,CT3=EW3,CU3=EX3,CV3=EY3,CW3=EZ3,CX3=FA3,CY3=FB3,CZ3=FC3,DA3=FD3,DB3=FE3,DC3=FF3,DD3=FG3,DE3=FH3,DF3=FI3,DG3=FJ3,DH3=FK3,DI3=FL3,DJ3=FM3,DK3=FN3,DL3=FO3,DM3=FP3,DN3=FQ3,DO3=FR3,DP3=FS3,DQ3=FT3),\"Pass\",\"Fail\")","v":"Pass"},"Y","2026-07-14T15:19:26",null,"Case 1","Neil "]
[1000000,0.05,"Full Doc",15,3,0,0,0,0,0,0,0,0,0,0,0,0,50000,70000,0,0,0,0,0,0,"Individual (Couple)",0,0,0,"N/A",0,0,0,2,0,0,0,30000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,2000,0,10000,0,1000,10283.81,5833.33,120000,0,30000,0,0,0,30000,1968.9,0,0,0,-700,0,0,0,28731.1,0,0,0,28731.1,30000,0,0,0,30000,0,0,0,0,2,1,1,1,null,24000,40530.82,0,40530.82,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,91616.28,50000,123405.73,1.8323255014721436,0.74239886618842299,null,"FAIL","COMPLETE",10283.81,5833.33,120000,0,30000,0,0,0,30000,1968.9,0,0,0,-700,0,0,0,28731.1,0,0,0,28731.1,30000,0,0,0,30000,0,0,0,0,2,1,1,1,null,24000,40530.82,0,40530.82,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,91616.28,50000,123405.73,1.8323255014721436,0.74239886618842299,null,"FAIL","COMPLETE","Pass","Y","2026-07-14T15:19:28",null,"Case 2","Neil "]
[1000000,0.05,"Full Doc",15,3,0,0,0,0,0,0,0,0,0,0,0,0,50000,70000,80000,0,0,0,0,0,"Individual (Couple)",0,0,0,"N/A",0,0,0,2,0,0,0,30000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,4000,0,10000,0,1000,10283.81,5833.33,184000,0,30000,0,0,0,30000,1968.9,0,0,0,-700,0,0,0,28731.1,0,0,0,28731.1,30000,0,0,0,30000,0,0,0,0,2,1,1,1,null,48000,48000,0,48000,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,148147.1,50000,123405.73,2.962942,1.2004880026036682,null,"PASS","COMPLETE",10283.81,5833.33,184000,0,30000,0,0,0,30000,1968.9,0,0,0,-700,0,0,0,28731.1,0,0,0,28731.1,30000,0,0,0,30000,0,0,0,0,2,1,1,1,null,48000,48000,0,48000,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,148147.1,50000,123405.73,2.962942,1.2004880026036682,null,"PASS","COMPLETE","Pass","Y","2026-07-14T15:19:29",null,"Case 3","Neil "]
[1000000,0.05,"Alt Doc",12,0,0,0,0,0,0,0,0,0,0,0,0,0,50000,70000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,10283.81,0,120000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1,1,1,null,0,0,0,0,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,120000,50000,123405.73,2.4,0.97240216185426642,null,"FAIL","COMPLETE",10283.81,0,120000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1,1,1,null,0,0,0,0,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,120000,50000,123405.73,2.4,0.97240216185426642,null,"FAIL","COMPLETE","Pass","Y","2026-07-14T15:19:31",null,"Case 4","Neil "]
[1000000,0.05,"Alt Doc",15,3,0,0,0,0,0,0,0,0,0,0,0,0,50000,70000,0,0,0,0,0,0,"Individual (Couple)",0,0,0,"N/A",0,0,0,2,0,0,0,30000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,2000,0,10000,0,1000,10283.81,5833.33,120000,0,30000,0,0,0,30000,1968.9,0,0,0,-700,0,0,0,28731.1,0,0,0,28731.1,30000,0,0,0,30000,0,0,0,0,2,1,1,1,null,24000,40530.82,0,40530.82,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,91616.28,50000,123405.73,1.8323255014721436,0.74239886618842299,null,"FAIL","COMPLETE",10283.81,5833.33,120000,0,30000,0,0,0,30000,1968.9,0,0,0,-700,0,0,0,28731.1,0,0,0,28731.1,30000,0,0,0,30000,0,0,0,0,2,1,1,1,null,24000,40530.82,0,40530.82,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,91616.28,50000,123405.73,1.8323255014721436,0.74239886618842299,null,"FAIL","COMPLETE","Pass","Y","2026-07-14T15:19:32",null,"Case 5","Neil "]
[830000,9.8470000000000002E-2,"Full Doc",15,3,0,0,0,0,0,0,0,0,0,0,0,0,50000,70000,80000,0,0,0,0,0,"Individual (Couple)",0,0,0,"N/A",0,0,0,2,0,0,0,30000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,4000,0,10000,0,1000,10824.63,8194.18,184000,0,30000,0,0,0,30000,1968.9,0,0,0,-700,0,0,0,28731.1,0,0,0,28731.1,30000,0,0,0,30000,0,0,0,0,2,1,1,1,null,48000,48000,0,48000,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,148147.1,81730.100000000006,129895.52,1.8126381834844201,1.1405097178124171,null,"PASS","COMPLETE",10824.63,8194.18,184000,0,30000,0,0,0,30000,1968.9,0,0,0,-700,0,0,0,28731.1,0,0,0,28731.1,30000,0,0,0,30000,0,0,0,0,2,1,1,1,null,48000,48000,0,48000,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,148147.1,81730.100000000006,129895.52,1.8126381834844201,1.1405097178124171,null,"PASS","COMPLETE","Pass","Y","2026-07-14T15:19:34",null,"Case 6","Neil "]
[832000,9.8470000000000002E-2,"Full Doc",15,3,0,0,0,0,0,0,0,0,0,0,0,0,50000,70000,80000,0,0,0,0,0,"Individual (Couple)",0,0,0,"N/A",0,0,0,2,0,0,0,30000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,4000,0,10000,0,1000,10850.71,8213.92,184000,0,30000,0,0,0,30000,1968.9,0,0,0,-700,0,0,0,28731.1,0,0,0,28731.1,30000,0,0,0,30000,0,0,0,0,2,1,1,1,null,48000,48000,0,48000,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,148147.1,81927.039999999994,130208.52,1.8082808801587362,1.1377681079138298,null,"PASS","COMPLETE",10850.71,8213.92,184000,0,30000,0,0,0,30000,1968.9,0,0,0,-700,0,0,0,28731.1,0,0,0,28731.1,30000,0,0,0,30000,0,0,0,0,2,1,1,1,null,48000,48000,0,48000,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,148147.1,81927.039999999994,130208.52,1.8082808801587362,1.1377681079138298,null,"PASS","COMPLETE","Pass","Y","2026-07-14T15:19:35",null,"Case 7","Neil "]
[1000000,9.8470000000000002E-2,"Full Doc",15,3,0,0,0,0,0,0,0,0,0,0,0,0,50000,70000,80000,0,0,0,0,0,"Individual (Couple)",0,0,0,"N/A",0,0,0,2,0,0,0,30000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,4000,0,10000,0,1000,13041.72,9872.5,184000,0,30000,0,0,0,30000,1968.9,0,0,0,-700,0,0,0,28731.1,0,0,0,28731.1,30000,0,0,0,30000,0,0,0,0,2,1,1,1,null,48000,48000,0,48000,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,148147.1,98470,156500.62,1.5044896922920687,0.94662306578430622,null,"FAIL","COMPLETE",13041.72,9872.5,184000,0,30000,0,0,0,30000,1968.9,0,0,0,-700,0,0,0,28731.1,0,0,0,28731.1,30000,0,0,0,30000,0,0,0,0,2,1,1,1,null,48000,48000,0,48000,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,148147.1,98470,156500.62,1.5044896922920687,0.94662306578430622,null,"FAIL","COMPLETE","Pass","Y","2026-07-14T15:19:37",null,"Case 8","Neil "]
[1000000,9.8479999999999998E-2,"Full Doc",15,3,0,0,0,0,0,0,0,0,0,0,0,0,50000,70000,80000,0,0,0,0,0,"Individual (Couple)",0,0,0,"N/A",0,0,0,2,0,0,0,30000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,4000,0,10000,0,1000,13042.32,9873.33,184000,0,30000,0,0,0,30000,1968.9,0,0,0,-700,0,0,0,28731.1,0,0,0,28731.1,30000,0,0,0,30000,0,0,0,0,2,1,1,1,null,48000,48000,0,48000,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,148147.1,98480,156507.85999999999,1.5043369212022746,0.94657927240340511,null,"FAIL","COMPLETE",13042.32,9873.33,184000,0,30000,0,0,0,30000,1968.9,0,0,0,-700,0,0,0,28731.1,0,0,0,28731.1,30000,0,0,0,30000,0,0,0,0,2,1,1,1,null,48000,48000,0,48000,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,148147.1,98480,156507.85999999999,1.5043369212022746,0.94657927240340511,null,"FAIL","COMPLETE","Pass","Y","2026-07-14T15:19:39",null,"Case 9","Neil "]
[1000000,8.4400000000000003E-2,"Alt Doc",15,3,0,0,0,0,0,0,0,0,0,0,0,0,50000,70000,80000,0,0,0,0,0,"Individual (Couple)",0,0,0,"N/A",0,0,0,2,0,0,0,30000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,4000,0,10000,0,1000,12206.35,8700,184000,0,30000,0,0,0,30000,1968.9,0,0,0,-700,0,0,0,28731.1,0,0,0,28731.1,30000,0,0,0,30000,0,0,0,0,2,1,1,1,null,48000,48000,0,48000,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,148147.1,84400,146476.14000000001,1.755297393364929,1.0114077320031944,null,"FAIL","COMPLETE",12206.35,8700,184000,0,30000,0,0,0,30000,1968.9,0,0,0,-700,0,0,0,28731.1,0,0,0,28731.1,30000,0,0,0,30000,0,0,0,0,2,1,1,1,null,48000,48000,0,48000,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,148147.1,84400,146476.14000000001,1.755297393364929,1.0114077320031944,null,"FAIL","COMPLETE","Pass","Y","2026-07-14T15:19:40",null,"Case 10","Neil "]
[1000000,8.43E-2,"Alt Doc",15,3,0,0,0,0,0,0,0,0,0,0,0,0,50000,70000,80000,0,0,0,0,0,"Individual (Couple)",0,0,0,"N/A",0,0,0,2,0,0,0,30000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,4000,0,10000,0,1000,12200.51,8691.67,184000,0,30000,0,0,0,30000,1968.9,0,0,0,-700,0,0,0,28731.1,0,0,0,28731.1,30000,0,0,0,30000,0,0,0,0,2,1,1,1,null,48000,48000,0,48000,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,148147.1,84300,146406.07,1.7573795966785291,1.0118917543662813,null,"FAIL","COMPLETE",12200.51,8691.67,184000,0,30000,0,0,0,30000,1968.9,0,0,0,-700,0,0,0,28731.1,0,0,0,28731.1,30000,0,0,0,30000,0,0,0,0,2,1,1,1,null,48000,48000,0,48000,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,148147.1,84300,146406.07,1.7573795966785291,1.0118917543662813,null,"FAIL","COMPLETE","Pass","Y","2026-07-14T15:19:42",null,"Case 11","Neil "]
[1000000,0.05,"Full Doc",15,3,0,0,0,0,0,0,0,0,0,0,0,0,50000,70000,0,0,0,0,0,0,"Individual (Couple)",0,0,0,"N/A",0,0,0,2,0,0,0,55000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,2000,0,10000,0,1000,10283.81,5833.33,120000,0,55000,0,0,0,55000,8120,0,0,0,-175,0,0,0,47055,0,0,0,47055,55000,0,0,0,55000,0,0,0,0,4,1,1,1,null,24000,42599.48,0,42599.48,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,107871.52,50000,123405.73,2.1574304532017154,0.87412084864315742,null,"FAIL","COMPLETE",10283.81,5833.33,120000,0,55000,0,0,0,55000,8120,0,0,0,-175,0,0,0,47055,0,0,0,47055,55000,0,0,0,55000,0,0,0,0,4,1,1,1,null,24000,42599.48,0,42599.48,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,107871.52,50000,123405.73,2.1574304532017154,0.87412084864315742,null,"FAIL","COMPLETE","Pass","Y","2026-07-14T15:19:43",null,"Case 12","Neil "]
[1000000,0.05,"Full Doc",15,3,0,0,0,0,0,0,0,0,0,0,0,0,50000,70000,0,0,0,0,0,0,"Individual (Couple)","Individual (Single)",0,0,"N/A",0,0,0,2,0,0,0,55000,100000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,2000,0,10000,0,1000,10283.81,5833.33,120000,0,55000,100000,0,0,155000,8120,22520,0,0,-175,0,0,0,47055,77480,0,0,124535,55000,100000,0,0,155000,0,0,0,0,4,6,1,1,null,24000,67630.289999999994,0,67630.289999999994,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,160320.71,50000,123405.73,3.2064141820191905,1.2991350343315167,null,"PASS","COMPLETE",10283.81,5833.33,120000,0,55000,100000,0,0,155000,8120,22520,0,0,-175,0,0,0,47055,77480,0,0,124535,55000,100000,0,0,155000,0,0,0,0,4,6,1,1,null,24000,67630.289999999994,0,67630.289999999994,5.5E-2,0.02,3.8199999999999998E-2,6.0900000000000003E-2,1.25,0.8,0.25,160320.71,50000,123405.73,3.2064141820191905,1.2991350343315167,null,"PASS","COMPLETE","Pass","Y","2026-07-14T15:19:45",null,"Case 13","Neil "]

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["Total Loan Amount","WAVG Interest Rate","WAVG Assessment Rate","Max Loan Term","Max IO Term","Loan Amount 1","Interest Rate 1","Assessement Rate 1","Loan Term 1","IO Term 1","Loan Amount 2","Interest Rate 2","Assessment Rate 2","Loan Term 2","IO Term 2","Status 1","Status 2","Status 3","Status 4","Status 5","Status 6","Couple With 1","Couple With 2","Couple With 3","Couple With 4","Couple With 5","Couple With 6","Dependants 1","Dependants 2","Dependants 3","Dependants 4","Dependants 5","Dependants 6","Gross Annual Income 1","Gross Annual Income 2","Gross Annual Income 3","Gross Annual Income 4","Gross Annual Income 5","Gross Annual Income 6","Untaxed Income 1","Untaxed Income 2","Untaxed Income 3","Untaxed Income 4","Untaxed Income 5","Untaxed Income 6","SEIC 1","SEIC 2","SEIC 3","SEIC 4","SEIC 5","SEIC 6","Add Backs 1","Add Backs 2","Add Backs 3","Add Backs 4","Add Backs 5","Add Backs 6","NPBT 1","NPBT 2","NPBT 3","NPBT 4","NPBT 5","NPBT 6","Investment Lending (eligible for negative gearing) - Gross Rental Income 1","Investment Lending (eligible for negative gearing) - Gross Rental Income 2","Investment Lending (eligible for negative gearing) - Gross Rental Income 3","Investment Lending (eligible for negative gearing) - Gross Rental Income 4","Investment Lending (eligible for negative gearing) - Gross Rental Income 5","Investment Lending (eligible for negative gearing) - Gross Rental Income 6","Investment Lending (eligible for negative gearing) - Investment Property Loan Balance 1","Investment Lending (eligible for negative gearing) - Investment Property Loan Balance 2","Investment Lending (eligible for negative gearing) - Investment Property Loan Balance 3","Investment Lending (eligible for negative gearing) - Investment Property Loan Balance 4","Investment Lending (eligible for negative gearing) - Investment Property Loan Balance 5","Investment Lending (eligible for negative gearing) - Investment Property Loan Balance 6","Investment Lending (ineligible for negative gearing) - Gross Rental Income 1","Investment Lending (ineligible for negative gearing) - Gross Rental Income 2","Investment Lending (ineligible for negative gearing) - Gross Rental Income 3","Investment Lending (ineligible for negative gearing) - Gross Rental Income 4","Investment Lending (ineligible for negative gearing) - Gross Rental Income 5","Investment Lending (ineligible for negative gearing) - Gross Rental Income 6","Investment Lending (ineligible for negative gearing) - Investment Property Loan Balance 1","Investment Lending (ineligible for negative gearing) - Investment Property Loan Balance 2","Investment Lending (ineligible for negative gearing) - Investment Property Loan Balance 3","Investment Lending (ineligible for negative gearing) - Investment Property Loan Balance 4","Investment Lending (ineligible for negative gearing) - Investment Property Loan Balance 5","Investment Lending (ineligible for negative gearing) - Investment Property Loan Balance 6","Primary residence utilities, rates & expenses","Primary residence strata fees & land tax","Investment property expenses (negative gearing eligible pool)","Investment property expenses (negative gearing ineligible pool)","Telephone, internet, Pay TV & media streaming","Groceries","Recreation & Entertainment","Clothing & Personal Care","Medical & Health","Transport","Education – non Private schooling","Education - Private schooling ","Childcare","Insurance - General Basic","Insurance - Health, Sickness, Personal Accident & Life","Other Living Expenses","Child & Spousal Maintenance ","Compared To Hem - Primary residence costs including utilities, rates & expenses","Compared To Hem - Body Corporate Fees, Strata Fees, Land Tax on Owner Occupied property","Compared To Hem - Investment property expenses (negative gearing eligible pool)","Compared To Hem - Investment property costs including utilities, rates & strata fees & land tax","Compared To Hem - Telephone, internet, Pay TV & media streaming","Compared To Hem - Groceries","Compared To Hem - Recreation & Entertainment","Compared To Hem - Clothing & Personal Care","Compared To Hem - Medical & Health","Compared To Hem - Transport","Compared To Hem - Education – non Private schooling","Compared To Hem - Education - Private schooling ","Compared To Hem - Childcare","Compared To Hem - Insurance - General Basic","Compared To Hem - Insurance - Health, Sickness and Personal Accident, Life ","Compared To Hem - Other Living Expenses","Compared To Hem - Child and Spousal Maintenance ","Rent/Board","Total Credit Card Limit","Other Mortgage Repayments","Other Liabilities","Tax Applicant 1","Tax Applicant 2","Tax Applicant 3","Tax Applicant 4","Tax Applicant 5","Tax Applicant 6","Net Income Applicant 1","Net Income Applicant 2","Net Income Applicant 3","Net Income Applicant 4","Net Income Applicant 5","Net Income Applicant 6","Net Income Total","Hem Living Expense Applicant 1","Hem Living Expense Applicant 2","Hem Living Expense Applicant 3","Hem Living Expense Applicant 4","Hem Living Expense Applicant 5","Hem Living Expense Applicant 6","Hem Living Expense Total","Customer Nominated Living Expenses","Living Expense Used","Net Available Income","Baseline Assessment Rate","Assessment Loading","Credit Card Commitments","Workings for Negative Gearing","Other Mortgage Repayment Buffer","Rental Income Shading","Company Tax","Actual Rate Monthly Total Income","Actual Rate Monthly - Net Income","Actual Rate Monthly - 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["Proposed Loan Details",null,null,null,null,"Business Loan Details",null,null,null,null,null,null,null,null,null,null,null,"Business Income / Expenses (Income)",null,null,"Business Income / Expenses (Add Backs)",null,null,null,null,"Personal Income / Expenses",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,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,null,null,null,null,null,null,"Calculation",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inputs",null,null,null,null,null,null,"Results"]
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