Apply Online has a Loan Summary section containing Metrics which update as your complete your data entry.

LVR (Loan to Value Ratio)

This adds all lending and calculates it as a percentage against the Total Security Value. This will include any capitalised fees such as LMI.

Base LVR

This adds all lending and calculates it as a percentage against the Total Security Value. This will exclude any capitalised fees such as LMI.

NSR (Net Serviceability Ratio)

This calculates the applicants Total Monthly Income minus Total Monthly Living Expenses as a ratio against the Total Monthly Commitments.

Funds

This is the total of Funds borrowed to be used for the Application.

Max Loan Amount

Calculated using the Uncommitted Monthly Income, the Lender Assessment Rate and Loan Term in Months.

DTI (Debt to Income Ratio)

All new and Existing Loans as a ratio of Total Annual Gross Income.

Surplus

Funds available minus the Funds required to complete the purchase.

Govt Fees

Any known Government Fees