Step 1 — Property, Equity & Loan Structure
Loan auto-calculates: (Price/Costs + Construction) + Other Costs + (Fees if not capitalised) − Equity
Loan (incl fees) $0
Term 0m
Total Fees $0
Total Equity $0
Loan Needed $0
Step 2 — Income (Rules + Scaling)
LRR uses Scaled Monthly Income. UMI uses Net Monthly unless overseas mode (20% haircut + TLE=0)
Converted Annual (FJD) $0
Scaled Annual (FJD) $0
Scaled Monthly (LRR) $0
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Step 3 — Monthly Commitments (Separated)
Credit cards use a factor of limit (dropdown). “Cards closed” makes limit $0 and greys out the field.
Car Loans (monthly)
Hire Purchase (monthly)
Overdraft / Personal Loans (monthly)
Child Support / Maintenance (monthly)
Credit Card Total Limit
CC Repayment Factor (per month)
Cards Closed?
Insurance / Other Monthly
Other Commitments
CC Monthly Commitment $0
Total Monthly Commitments $0
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Step 4 — Living Expenses (Editable BSP TLE Table)
Benchmarks auto-fill but every line stays editable. Overseas mode forces TLE=0.
BSP Living Expense Benchmarks
Location + household settings → auto-fill line items (still editable).
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BSP Suggested TLE $0
Used TLE $0
Council Rates
Dependants
Electricity
Living — Joint
Mobile Phone
Motor Vehicle
School
Telephone
Water
Results — Ratios + Repayment Breakdown
Shows fixed repayment, variable repayment, and stressed variable repayment (variable +3%).
Decision —
LRR (Base / Stress)
0.00% / 0.00%
Uses variable repayment (post-fixed) over scaled monthly income
UMI (Base / Stress)
$0 / $0
UMI stress must be > 0
Repayments (Fixed / Variable / Stress)
$0 / $0 / $0
All include monthly service fees
Maximum Borrowing (Base / Stress)
$0 / $0
Base uses variable repayment; Stress uses variable+3%
LTV (Loan-to-Value)
0.00%
Loan (incl fees) ÷ Security Value
Security Value Basis
$0
Purchase: Price • Land+Construction: Land + Construction
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Credit Pack (Credit Paper)
Clean, lender-ready structure. No spaghetti-text.
FLAGSHIP — CREDIT PAPER (BSP SERVICING)
Applicant: Joe Blow
App No: —
Date: —
Decision: —
Key Ratios & Outcomes
| Metric | Base | Stress |
|---|---|---|
| LRR | — | — |
| UMI | — | — |
| Variable Repayment (post-fixed) | — | — |
| Maximum Borrowing | — | — |
| LTV (Loan-to-Value) | — | |
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Loan & Fees
Purchase Price$0
Other Costs$0
Total Equity$0
Loan Principal$0
Loan Amount (incl fees)$0
Total Fees$0
Fees CapitalisedYes
Term—
Fixed Rate / Term—
Variable Rate / Stress (+3%)—
Security Value (LTV basis)$0
Income & Scaling
Employment Type—
Currency / FX—
Converted Annual (FJD)—
Scaled Annual (FJD)—
Scaled Monthly (LRR)—
Net Monthly (UMI base)—
Other Income Shading—
Notes—
Commitments & Living Expenses
| Item | Monthly |
|---|---|
| Total Commitments | $0 |
| Total Living Expenses (TLE) | $0 |
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Exceptions & Mitigations (Highlight)
Keep it blunt and fixable: write the exception, then the mitigation (doc/condition/deposit/rate/term).
General Credit Notes
Disclaimer: This calculator is a servicing guide only. Fees and policy settings should be verified against the lender’s most current schedule and credit policy.
Live Summary
Decision
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Loan (incl fees)
$0
LRR Base / Stress
—
UMI Base / Stress
—
Var Repay / Stress
—
Max Borrow Base / Stress
—
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