{"text_format":"3","workbook":"xlsx","n_sheets":5,"sheets":["Calculator","Affordability","Net (1) workings","Net (2) workings","Income Multiple Calc"],"not_rendered":{"images":4,"defined_names":7},"read":"whole","date_system":"1900"}

{"sheet":"Calculator","index":0,"n_rows":40,"n_cols":15,"rows_kept":40,"hidden":true,"merged":[[0,0,0,4],[4,0,4,7],[6,1,6,4],[6,6,6,9],[6,11,6,14]]}
["Daily Interest Calculation"]
["Formulae for the calculator = "]
["pmt = pv *  i / (1 - (1 + i) -n )"]
[]
["As an example, let us take a mortgage of £100,000 over 25 years at the rate of 4.75% pa compounding monthly.  "]
[]
[null,"Calculator for deal",{"$nulls":4},"Calculator for base",{"$nulls":4},"Calculator for Stress"]
[]
[null,"Formulae requirements","Date Entry Cells",{"$nulls":3},"Formulae requirements","Date Entry Cells",{"$nulls":3},"Formulae requirements","Date Entry Cells"]
[]
[null,"Present value (loan amount)",{"$f":"Affordability!C78","v":0},{"$nulls":3},"Present value (loan amount)",{"$f":"C11","v":0},{"$nulls":3},"Present value (loan amount)",{"$f":"H11","v":0}]
[]
[null,"Interest rate",{"$f":"Affordability!H78","v":{"v":0,"d":"0.00%"}},"i",{"$f":"C13/12","v":0},null,"Interest rate",{"v":0.0784,"d":"7.84%"},"i",{"$f":"H13/12","v":0.006533333333333333},null,"Interest rate",{"$f":"IF(OR(ISNUMBER(SEARCH(\"5 Year Fix\",Affordability!R14)),Affordability!R12=Affordability!AB9),(Calculator!H13+0.01),(Calculator!H13+0.01))+IF(Affordability!R15=\"Yes\",0.01,0)","v":{"v":0.08839999999999999,"d":"8.84%"}},"i",{"$f":"M13/12","v":0.007366666666666666}]
[]
[null,"Length of loan ",{"$f":"Affordability!F78","v":0},"n",{"$f":"C15*12+Affordability!G78","v":0},null,"Length of loan ",{"$f":"C15","v":0},"n",{"$f":"H15*12+Affordability!G78","v":0},null,"Length of loan ",{"$f":"H15","v":0},"n",{"$f":"M15*12+Affordability!G78","v":0}]
[]
[null,"Monthly Payment",null,"pmt",{"$f":"C29","v":{"$error":"#DIV/0!"}},null,"Monthly Payment",null,"pmt",{"$f":"H29","v":{"$error":"#DIV/0!"}},null,"Monthly Payment",null,"pmt",{"$f":"M29","v":{"$error":"#DIV/0!"}}]
[]
[]
[]
[null,"1+ i =",{"$f":"1+E13","v":1},{"$nulls":3},"1+ i =",{"$f":"1+J13","v":1.0065333333333333},{"$nulls":3},"1+ i =",{"$f":"1+O13","v":1.0073666666666667}]
[]
[null,"(1+ i)^-n =",{"$f":"C21^-E15","v":1},{"$nulls":3},"(1+ i)^-n =",{"$f":"H21^-J15","v":1},{"$nulls":3},"(1+ i)^-n =",{"$f":"M21^-O15","v":1}]
[]
[null,"(1 - (1 + i)^-n )",{"$f":"1-C23","v":0},{"$nulls":3},"(1 - (1 + i)^-n )",{"$f":"1-H23","v":0},{"$nulls":3},"(1 - (1 + i)^-n )",{"$f":"1-M23","v":0}]
[]
[null,"pv * i",{"$f":"C11*E13","v":0},{"$nulls":3},"pv * i",{"$f":"H11*J13","v":0},{"$nulls":3},"pv * i",{"$f":"M11*O13","v":0}]
[]
[null,"pv x  i / (1 - (1 + i) -n )",{"$f":"C27/C25","v":{"$error":"#DIV/0!"}},{"$nulls":3},"pv x  i / (1 - (1 + i) -n )",{"$f":"H27/H25","v":{"$error":"#DIV/0!"}},{"$nulls":3},"pv x  i / (1 - (1 + i) -n )",{"$f":"M27/M25","v":{"$error":"#DIV/0!"}}]
[]
[]
[null,"CSR 2 MDINT Payment",570.12,{"$nulls":3},"CSR 2 MDINT Payment",570.12,{"$nulls":3},"CSR 2 MDINT Payment",570.12]
[]
[null,"Difference",{"$f":"C29-C32","v":{"$error":"#DIV/0!"}},{"$nulls":3},"Difference",{"$f":"H29-H32","v":{"$error":"#DIV/0!"}},{"$nulls":3},"Difference",{"$f":"M29-M32","v":{"$error":"#DIV/0!"}}]
[]
[]
[]
[null,"Key",{"$nulls":4},"Key",{"$nulls":4},"Key"]
[null,"Data Entry Cells",{"$nulls":4},"Data Entry Cells",{"$nulls":4},"Data Entry Cells"]
[null,"Formula answer",{"$nulls":4},"Formula answer",{"$nulls":4},"Formula answer"]

{"sheet":"Affordability","index":1,"n_rows":99,"n_cols":28,"rows_kept":99,"merged":[[2,1,3,14],[7,9,8,11],[12,1,12,2],[16,0,16,2],[17,0,17,2],[18,0,18,2],[19,0,19,2],[84,1,84,9],[85,1,85,9],[86,1,87,2],[90,0,90,1],[90,5,90,14],[91,5,91,14],[92,5,92,14],[93,5,93,10],[93,11,93,14],[94,5,94,10],[94,11,94,14],[95,5,95,10],[95,11,95,14],[96,5,96,10],[96,11,96,14]]}
[]
[]
[null,"Affordability Assessment"]
[]
[]
[]
[{"$nulls":23},"Professional Products","Non-Pro Products","Professional Rates","Non-Pro Rates","Remortgage List"]
[{"$nulls":9},"Data entry fields",{"$nulls":13},"Yes","No","YesRates","NoRates","Remortgage with Additional Funds"]
["Borrower(s):",{"$nulls":22},"No","House Purchase - 2 Year Variable Discount",null,{"v":0.0273,"d":"2.73%"},"Remortgage with no additional funds (fees permitted)*"]
["Number of Dependants:",{"$nulls":23},"House Purchase - 2 Year Variable Discount (GREEN MORTGAGE)",null,{"v":0.0283,"d":"2.83%"},"No"]
["Is the loan Greater than 80% LTV?",{"$nulls":23},"House Purchase - 2 Year Variable Discount (NEW BUILD)",null,{"v":0.0293,"d":"2.93%"}]
["Remortgage:",{"$nulls":23},"House Purchase - 2 Year Fixed Rate",null,{"v":0.0333,"d":"3.33%"}]
["Professional Product:","No",null,{"$f":"IF(B13=X8,Z8,AA8)","v":"NoRates"},{"$nulls":20},"House Purchase - 5 Year Fixed Rate",null,{"v":0.0343,"d":"3.43%"}]
["Product:",{"$nulls":23},"Remortgage - 2 Year Variable Discount",null,{"v":0.0409,"d":"4.09%"}]
["Self Employed",null,null,{"$f":"IF(AND(B11=\"No\",B15=\"No\"),1,IF(AND(B11=\"No\",B15=\"Yes\"),2,IF(AND(B11=\"Yes\",B15=\"No\"),3,IF(AND(B11=\"Yes\",B15=\"Yes\"),4,\"\"))))","v":""},{"$nulls":13},"",{"$nulls":6},"Remortgage - 2 Year Fixed Rate",null,{"v":0.0418,"d":"4.18%"}]
[null,{"$f":"IF(OR(ISBLANK(R11),ISBLANK(R12),ISBLANK(R14),ISBLANK(R15)),\"All questions above must be completed before continuing!\",\"\")","v":"All questions above must be completed before continuing!"},{"$nulls":22},"Remortgage - 2 Year Variable Discount (Renovation Remortgage)",null,{"v":0.0438,"d":"4.38%"}]
[{"$nulls":24},"Remortgage - 2 Year Fixed Rate (Renovation Remortgage)",null,{"v":0.0569,"d":"5.69%"}]
[{"$nulls":24},"Self Build - 3 Year Variable Discount",null,{"v":0.0573,"d":"5.73%"}]
[{"$nulls":24},"NICO - 2 Year Variable Discount",null,{"v":0.0589,"d":"5.89%"}]
[{"$f":"IF(B13=\"Yes\",(\"Professional Income Multiples = Single x 3.90   Joint x 3.90   Up to 95% LTV\"),(\"\"))","v":""},{"$nulls":25},{"v":0.0599,"d":"5.99%"}]
["Income","Gross Annual (1)","Gross Annual (2)","Gross Annual (1)","Gross Annual (2)","Combined Net Monthly",{"$nulls":3},{"$f":"F21","v":"Combined Net Monthly"},null,{"$f":"J21","v":"Combined Net Monthly"},null,null,{"$f":"L21","v":"Combined Net Monthly"},{"$nulls":11},{"v":0.0619,"d":"6.19%"}]
[{"$nulls":3},"£",null,"£",{"$nulls":3},"£",null,"£",null,null,"£",{"$nulls":11},{"v":0.0623,"d":"6.23%"}]
[{"$nulls":26},{"v":0.0639,"d":"6.39%"}]
[{"$nulls":26},{"v":0.0659,"d":"6.59%"}]
["Employment",null,null,{"$f":"B25","v":{"v":0,"d":"£0.00"}},{"$f":"C25","v":{"v":0,"d":"£0.00"}},{"$nulls":21},{"v":0.0674,"d":"6.74%"}]
["Regular Overtime",null,null,{"$f":"B26","v":{"v":0,"d":"£0.00"}},{"$f":"C26","v":{"v":0,"d":"£0.00"}}]
["Irregular Overtime",null,null,{"$f":"B27*0.5","v":{"v":0,"d":"£0.00"}},{"v":0,"d":"£0.00"}]
["Bonus/Commission",null,null,{"v":0,"d":"£0.00"},{"v":0,"d":"£0.00"}]
["Rental income",null,null,{"$f":"B29*0.6","v":{"v":0,"d":"£0.00"}},{"$f":"C29*0.6","v":{"v":0,"d":"£0.00"}}]
["Other income",null,null,{"v":0,"d":"£0.00"},{"v":0,"d":"£0.00"}]
[]
["Total  (A)",{"$f":"SUM(B25:B31)","v":{"v":0,"d":"£0.00"}},{"$f":"SUM(C25:C31)","v":{"v":0,"d":"£0.00"}},{"$f":"SUM(D25:D31)","v":{"v":0,"d":"£0.00"}},{"$f":"SUM(E25:E30)","v":{"v":0,"d":"£0.00"}},{"$f":"'Net (1) workings'!C21+'Net (2) workings'!C21","v":{"v":0,"d":"£0.00"}},{"$nulls":3},{"$f":"F32","v":{"v":0,"d":"£0.00"}},null,{"$f":"J32","v":{"v":0,"d":"£0.00"}},null,{"v":0,"d":"£0.00"},{"$f":"L32","v":{"v":0,"d":"£0.00"}}]
[{"$nulls":13},{"$f":"'Income Multiple Calc'!E24","v":{"$error":"#VALUE!"}}]
["Annual (net)",{"$f":"'Net (1) workings'!B21","v":{"v":0,"d":"£0.00"}},{"$f":"'Net (2) workings'!B21","v":{"v":0,"d":"£0.00"}}]
[]
[]
[]
[]
[]
["Expenditure",{"$nulls":4},"Monthly"]
[{"$nulls":5},"£",{"$nulls":3},"£",null,"£",null,null,"£"]
["Committed expenditure"]
["Loans/HP"]
["Credit cards"]
["Childcare"]
["Alimony/maintenance"]
["Cost of repayment strategy (interest only)"]
["Cost of other mortgages not to be repaid"]
["Total Committed Expenditure",{"$nulls":4},{"$f":"SUM(F43:F48)","v":{"v":0,"d":"£0.00"}}]
[]
["Basic essential expenditure"]
["Housekeeping/food/washing"]
["Gas/electricity/oil"]
["Rates & Ground Rent"]
["Telephone(s)"]
["Buildings insurance"]
["Service Charge"]
["Motoring - Petrol, insurance, tax"]
["Transport"]
["Basic quality of living costs"]
["Clothing"]
["Household goods (furniture, appliances)"]
["Personal goods (toiletries etc)"]
["Basic Recreation"]
["Life insurance/pension"]
["Other"]
["Total Basic Essential/Living Costs",{"$nulls":4},{"$f":"SUM(F52:F66)","v":{"v":0,"d":"£0.00"}}]
[]
["Total  (B)",{"$nulls":4},{"$f":"F67+F49","v":{"v":0,"d":"£0.00"}},{"$nulls":3},{"$f":"F69","v":{"v":0,"d":"£0.00"}},null,{"$f":"J69","v":{"v":0,"d":"£0.00"}},null,null,{"$f":"L69","v":{"v":0,"d":"£0.00"}}]
[]
[]
[]
["Disposable Income ( C )"]
["Total  (A)  -  Total  (B) = ( C)",{"$nulls":8},{"$f":"SUM(J32-J69)","v":{"v":0,"d":"£0.00"}},null,{"$f":"SUM(L32-L69)","v":{"v":0,"d":"£0.00"}},null,null,{"$f":"SUM(O32-O69)","v":{"v":0,"d":"£0.00"}}]
[]
[]
[null,null,"Mortgage Amount (to include added fees)",null,null,"Duration (years)","Duration (months)","Initial Rate",null,"Initial Deal",null,"Base",null,null,"Stressed Base"]
["Mortgage Cost  (D)",{"$nulls":8},{"$f":"Calculator!C29","v":{"$error":"#DIV/0!"}},null,{"$f":"Calculator!H29","v":{"$error":"#DIV/0!"}},null,null,{"$f":"Calculator!M29","v":{"$error":"#DIV/0!"}}]
["(Capital + Interest)",null,{"$f":"IF(OR(ISBLANK(H78),ISBLANK(G78),ISBLANK(F78),ISBLANK(C78)),\"    Please Complete Mortgage Details Above\",\"\")","v":"    Please Complete Mortgage Details Above"}]
[]
[]
["Net Disposable Income  (E)",{"$nulls":8},{"$f":"SUM(J74-J78)","v":{"$error":"#DIV/0!"}},null,{"$f":"SUM(L74-L78)","v":{"$error":"#DIV/0!"}},null,null,{"$f":"SUM(O74-O78)","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IFERROR(IF(O82<=0,\"\",IF(AND(D15<>2,O82<((B32/12*2%)+(C32/12*2%))),\"Caution - Less than 2% Net Disposable Income Remaining!\",\"\")),\"\")","v":""}]
[]
["Outcome",{"$f":"IFERROR(IF(AND(D15=4,O82<((B32/12*2%)+(C32/12*2%))),\"Do Not Proceed\",IF(O82<=(N32),\"Do Not Proceed\",IF(AND(O82>=(N32),(O82<=(N32))),\"Refer to Branch Manager / Head of Lending\",\"Proceed subject to Income Multiple Criteria\"))),\"Please complete all required details to view outcome\")","v":"Please complete all required details to view outcome"},{"$nulls":16},"Proceed to Application"]
[]
["Income Multiple Assessment",{"$f":"IFERROR(SUM(C78/(D32+E32)),\"\")","v":""},{"$nulls":9},"Date",null,null,{"$f":"TODAY()","v":"2023-04-27"}]
[]
[]
[]
["Standard Income Multiples",{"$nulls":4},"Enhanced Income Multiples"]
["Up to 80% LTV","Single x 4.25   Joint x 4.25",{"$nulls":3},"Sole application – minimum income requirement - £40,000 pa basic (excluding overtime / bonuses etc); "]
["Up to 90% LTV","Single x 4.00   Joint x 4.00",{"$nulls":3},"Joint application – minimum joint income requirement - £70,000 pa basic (excluding overtime / bonuses etc) "]
["Up to 95% LTV","Single x 3.75   Joint x 3.75",{"$nulls":3},"Up to 80% LTV",{"$nulls":5},5]
[{"$nulls":5},"Up to 85% LTV",{"$nulls":5},4.75]
[{"$nulls":5},"Up to 90% LTV",{"$nulls":5},4.5]
[{"$nulls":5},"Up to 95% LTV",{"$nulls":5},3.9]
[]
[{"$nulls":12},"Version: April 2023"]

{"sheet":"Net (1) workings","index":2,"n_rows":34,"n_cols":8,"rows_kept":34,"hidden":true}
[{"$nulls":5},"Tax Free Allowance",null,{"$f":"12570-B33","v":{"v":12570,"d":"12,570"}}]
[null,"Annual","Monthly"]
[{"$nulls":5},"Tax Rate","Income Range"]
["Gross Annual Income",{"$f":"Affordability!D32","v":0},{"$f":"B4/12","v":0},null,null,{"v":0.2,"d":"20%"},"0 to ",{"v":37700,"d":"37,700"}]
[{"$nulls":5},{"v":0.4,"d":"40%"},"37701 to",{"v":125140,"d":"125,140"}]
["Tax Free Allowance",{"$f":"IF(B4<125140,H1,0)","v":{"v":12570,"d":"12,570"}},{"$f":"B6/12","v":{"v":1047.5,"d":"1,048"}},null,null,{"v":0.45,"d":"45%"},"> 125140"]
[]
["Taxable Amount",{"$f":"IF((B4-B6)>0,B4-B6,0)","v":0},{"$f":"IF((C4-C6)>0,C4-C6,0)","v":0},null,null,"NIC Rate","Weekly Inc"]
[{"$nulls":5},{"v":0,"d":"0%"},"0 to",190]
["Tax @ 20%",{"$f":"IF(B8<H4,B8*F4,H4*F4)","v":0},{"$nulls":3},{"v":0.12,"d":"12.00%"},"190.01 to",967]
["Tax @ 40%",{"$f":"IF(AND(B8<H5,B8>H4),(B8-H4)*F5,IF(B8<H4,0,IF(B8>H5,(H5-H4)*F5,0)))","v":0},{"$nulls":3},{"v":0.02,"d":"2.00%"},"> 967"]
["Tax @ 45%",{"$f":"IF(B8>H5,(B8-H5)*F6,0)","v":0},{"$nulls":3},"NIC Rate","Monthly Inc"]
["Total Tax",{"$f":"SUM(B10:B12)","v":0},{"$f":"B13/12","v":0},null,null,{"v":0,"d":"0%"},"0 to",{"v":1048,"d":"1,048"}]
[{"$nulls":5},{"v":0.12,"d":"12.00%"},"1048.01 to",{"v":4189,"d":"4,189"}]
["National Insurance NIL",{"$f":"C15*12","v":0},{"$f":"(C4-H13)*F13","v":0},null,null,{"v":0.02,"d":"2.00%"},"> 4189"]
["National Insurance 13.25%",{"$f":"C16*12","v":0},{"$f":"IF(AND(C4<H14,C4>H13),(C4-H13)*F14,IF(C4<H13,0,IF(C4>H14,(H14-H13)*F14,0)))","v":0}]
["National Insurance 3.25%",{"$f":"C17*12","v":0},{"$f":"IF(C4>H14,(C4-H14)*F15,0)","v":0}]
["Total National Insurance",{"$f":"SUM(B15:B17)","v":0},{"$f":"SUM(C15:C17)","v":0}]
[{"$nulls":6},"Rates and thresholds for employers 2022 to 2023 - GOV.UK (www.gov.uk)"]
[]
["Net",{"$f":"B4-B13-B18","v":0},{"$f":"C4-C13-C18","v":0},{"$nulls":3},"National Insurance: introduction: How much you pay - GOV.UK (www.gov.uk)"]
[]
[]
[]
[]
["Higher rate threshold",{"v":100000,"d":"100,000"}]
["Total Income",{"$f":"Affordability!B32","v":0}]
[]
["Amount above threshold",{"$f":"B27-B26","v":{"v":-100000,"d":"-100,000"}}]
["Reduction in Tax free amount",{"$f":"B29/2","v":{"v":-50000,"d":"-50,000"}}]
[]
[]
[null,{"$f":"IF(B30>0,B30,0)","v":0}]
[null,{"$f":"IF(B30>11850,0,B30)","v":{"v":-50000,"d":"-50,000"}}]

{"sheet":"Net (2) workings","index":3,"n_rows":34,"n_cols":8,"rows_kept":34,"hidden":true}
[{"$nulls":5},"Tax Free Allowance",null,{"$f":"12570-B33","v":{"v":12570,"d":"12,570"}}]
[null,"Annual","Monthly"]
[{"$nulls":5},"Tax Rate","Income Range"]
["Gross Annual Income",{"$f":"Affordability!E32","v":0},{"$f":"B4/12","v":0},null,null,{"$f":"'Net (1) workings'!F4","v":{"v":0.2,"d":"20%"}},{"$f":"'Net (1) workings'!G4:H6","v":"0 to "},{"$f":"'Net (1) workings'!H4","v":{"v":37700,"d":"37,700"}}]
[{"$nulls":5},{"$f":"'Net (1) workings'!F5","v":{"v":0.4,"d":"40%"}},{"$f":"'Net (1) workings'!G5:H7","v":"37701 to"},{"$f":"'Net (1) workings'!H5","v":{"v":125140,"d":"125,140"}}]
["Tax Free Allowance",{"$f":"IF(B4<125140,H1,0)","v":{"v":12570,"d":"12,570"}},{"$f":"B6/12","v":{"v":1047.5,"d":"1,048"}},null,null,{"$f":"'Net (1) workings'!F6","v":{"v":0.45,"d":"45%"}},{"$f":"'Net (1) workings'!G6:H8","v":"> 125140"},{"$f":"'Net (1) workings'!H6:I8","v":0}]
[]
["Taxable Amount",{"$f":"IF((B4-B6)>0,B4-B6,0)","v":0},{"$f":"IF((C4-C6)>0,C4-C6,0)","v":0},null,null,"NIC Rate","Weekly Inc"]
[{"$nulls":5},{"$f":"'Net (1) workings'!F9","v":{"v":0,"d":"0.00%"}},{"$f":"'Net (1) workings'!G9:H11","v":"0 to"},{"$f":"'Net (1) workings'!H9:I11","v":190}]
["Tax @ 20%",{"$f":"IF(B8<H4,B8*F4,H4*F4)","v":0},{"$nulls":3},{"$f":"'Net (1) workings'!F10","v":{"v":0.12,"d":"12.00%"}},{"$f":"'Net (1) workings'!G10:H12","v":"190.01 to"},{"$f":"'Net (1) workings'!H10:I12","v":967}]
["Tax @ 40%",{"$f":"IF(AND(B8<H5,B8>H4),(B8-H4)*F5,IF(B8<H4,0,IF(B8>H5,(H5-H4)*F5,0)))","v":0},{"$nulls":3},{"$f":"'Net (1) workings'!F11","v":{"v":0.02,"d":"2.00%"}},{"$f":"'Net (1) workings'!G11:H13","v":"> 967"},{"$f":"'Net (1) workings'!H11:I13","v":0}]
["Tax @ 45%",{"$f":"IF(B8>H5,(B8-H5)*F6,0)","v":0},{"$nulls":3},"NIC Rate","Monthly Inc"]
["Total Tax",{"$f":"SUM(B10:B12)","v":0},{"$f":"B13/12","v":0},null,null,{"$f":"'Net (1) workings'!F13","v":{"v":0,"d":"0.00%"}},{"$f":"'Net (1) workings'!G13:H15","v":"0 to"},{"$f":"'Net (1) workings'!H13:I15","v":1048}]
[{"$nulls":5},{"$f":"'Net (1) workings'!F14","v":{"v":0.12,"d":"12.00%"}},{"$f":"'Net (1) workings'!G14:H16","v":"1048.01 to"},{"$f":"'Net (1) workings'!H14:I16","v":4189}]
["National Insurance NIL",{"$f":"C15*12","v":0},{"$f":"(C4-H13)*F13","v":0},null,null,{"$f":"'Net (1) workings'!F15","v":{"v":0.02,"d":"2.00%"}},{"$f":"'Net (1) workings'!G15:H17","v":"> 4189"},{"$f":"'Net (1) workings'!H15:I17","v":0}]
["National Insurance 12%",{"$f":"C16*12","v":0},{"$f":"IF(AND(C4<H14,C4>H13),(C4-H13)*F14,IF(C4<H13,0,IF(C4>H14,(H14-H13)*F14,0)))","v":0}]
["National Insurance 2%",{"$f":"C17*12","v":0},{"$f":"IF(C4>H14,(C4-H14)*F15,0)","v":0}]
["Total National Insurance",{"$f":"SUM(B15:B17)","v":0},{"$f":"SUM(C15:C17)","v":0}]
[]
[]
["Net",{"$f":"B4-B13-B18","v":0},{"$f":"C4-C13-C18","v":0}]
[]
[]
[]
[]
["Higher rate threshold",{"v":150000,"d":"150,000"}]
["Total Income",{"$f":"Affordability!C32","v":0}]
[]
["Amount above threshold",{"$f":"B27-B26","v":{"v":-150000,"d":"-150,000"}}]
["Reduction in Tax free amount",{"$f":"B29/2","v":{"v":-75000,"d":"-75,000"}}]
[]
[]
[null,{"$f":"IF(B30>0,B30,0)","v":0}]
[null,{"$f":"IF(B30>11850,0,B30)","v":{"v":-75000,"d":"-75,000"}}]

{"sheet":"Income Multiple Calc","index":4,"n_rows":120,"n_cols":8,"rows_kept":120,"hidden":true}
[{"$nulls":6},{"v":0.01,"d":"1%"},4]
[{"$nulls":6},{"v":0.02,"d":"2%"},4]
[{"$nulls":6},{"v":0.03,"d":"3%"},4]
[{"$nulls":6},{"v":0.04,"d":"4%"},4]
[{"$nulls":6},{"v":0.05,"d":"5%"},4]
[{"$nulls":6},{"v":0.0600000000000001,"d":"6%"},4]
[{"$nulls":6},{"v":0.0700000000000001,"d":"7%"},4]
["Standard Income Multiples = Single x 4.00   Joint x 4.00   Up to 80% LTV",{"$nulls":5},{"v":0.0800000000000001,"d":"8%"},4]
["Standard Income Multiples = Single x 3.75   Joint x 3.75   Up to 90% LTV",{"$nulls":5},{"v":0.09,"d":"9%"},4]
["Standard Income Multiples = Single x 3.50   Joint x 3.50  Up to 95% LTV",{"$nulls":5},{"v":0.1,"d":"10%"},4]
[{"$nulls":6},{"v":0.11,"d":"11%"},4]
[{"$nulls":6},{"v":0.12,"d":"12%"},4]
[{"$nulls":6},{"v":0.13,"d":"13%"},4]
[{"$nulls":6},{"v":0.14,"d":"14%"},4]
[{"$nulls":6},{"v":0.15,"d":"15%"},4]
[{"$nulls":6},{"v":0.16,"d":"16%"},4]
[{"$nulls":6},{"v":0.17,"d":"17%"},4]
[{"$nulls":6},{"v":0.18,"d":"18%"},4]
[{"$nulls":3},"LTV",{"$f":"Affordability!C78/Affordability!B87","v":{"$error":"#VALUE!"}},null,{"v":0.19,"d":"19%"},4]
[{"$nulls":6},{"v":0.2,"d":"20%"},4]
[{"$nulls":6},{"v":0.21,"d":"21%"},4]
[{"$nulls":6},{"v":0.22,"d":"22%"},4]
[{"$nulls":6},{"v":0.23,"d":"23%"},4]
[{"$nulls":3},"Result",{"$f":"VLOOKUP(E19,G1:H120,2)","v":{"$error":"#VALUE!"}},null,{"v":0.24,"d":"24%"},4]
[{"$nulls":6},{"v":0.25,"d":"25%"},4]
[{"$nulls":6},{"v":0.26,"d":"26%"},4]
[{"$nulls":6},{"v":0.27,"d":"27%"},4]
[{"$nulls":6},{"v":0.28,"d":"28%"},4]
[{"$nulls":6},{"v":0.29,"d":"29%"},4]
[{"$nulls":6},{"v":0.3,"d":"30%"},4]
[{"$nulls":6},{"v":0.31,"d":"31%"},4]
[{"$nulls":6},{"v":0.32,"d":"32%"},4]
[{"$nulls":6},{"v":0.33,"d":"33%"},4]
[{"$nulls":6},{"v":0.34,"d":"34%"},4]
[{"$nulls":6},{"v":0.35,"d":"35%"},4]
[{"$nulls":6},{"v":0.36,"d":"36%"},4]
[{"$nulls":6},{"v":0.37,"d":"37%"},4]
[{"$nulls":6},{"v":0.38,"d":"38%"},4]
[{"$nulls":6},{"v":0.39,"d":"39%"},4]
[{"$nulls":6},{"v":0.4,"d":"40%"},4]
[{"$nulls":6},{"v":0.41,"d":"41%"},4]
[{"$nulls":6},{"v":0.42,"d":"42%"},4]
[{"$nulls":6},{"v":0.43,"d":"43%"},4]
[{"$nulls":6},{"v":0.44,"d":"44%"},4]
[{"$nulls":6},{"v":0.45,"d":"45%"},4]
[{"$nulls":6},{"v":0.46,"d":"46%"},4]
[{"$nulls":6},{"v":0.47,"d":"47%"},4]
[{"$nulls":6},{"v":0.48,"d":"48%"},4]
[{"$nulls":6},{"v":0.49,"d":"49%"},4]
[{"$nulls":6},{"v":0.5,"d":"50%"},4]
[{"$nulls":6},{"v":0.51,"d":"51%"},4]
[{"$nulls":6},{"v":0.52,"d":"52%"},4]
[{"$nulls":6},{"v":0.53,"d":"53%"},4]
[{"$nulls":6},{"v":0.54,"d":"54%"},4]
[{"$nulls":6},{"v":0.55,"d":"55%"},4]
[{"$nulls":6},{"v":0.56,"d":"56%"},4]
[{"$nulls":6},{"v":0.57,"d":"57%"},4]
[{"$nulls":6},{"v":0.58,"d":"58%"},4]
[{"$nulls":6},{"v":0.59,"d":"59%"},4]
[{"$nulls":6},{"v":0.6,"d":"60%"},4]
[{"$nulls":6},{"v":0.61,"d":"61%"},4]
[{"$nulls":6},{"v":0.62,"d":"62%"},4]
[{"$nulls":6},{"v":0.63,"d":"63%"},4]
[{"$nulls":6},{"v":0.64,"d":"64%"},4]
[{"$nulls":6},{"v":0.65,"d":"65%"},4]
[{"$nulls":6},{"v":0.66,"d":"66%"},4]
[{"$nulls":6},{"v":0.67,"d":"67%"},4]
[{"$nulls":6},{"v":0.68,"d":"68%"},4]
[{"$nulls":6},{"v":0.69,"d":"69%"},4]
[{"$nulls":6},{"v":0.7,"d":"70%"},4]
[{"$nulls":6},{"v":0.71,"d":"71%"},4]
[{"$nulls":6},{"v":0.72,"d":"72%"},4]
[{"$nulls":6},{"v":0.73,"d":"73%"},4]
[{"$nulls":6},{"v":0.74,"d":"74%"},4]
[{"$nulls":6},{"v":0.75,"d":"75%"},4]
[{"$nulls":6},{"v":0.76,"d":"76%"},4]
[{"$nulls":6},{"v":0.77,"d":"77%"},4]
[{"$nulls":6},{"v":0.78,"d":"78%"},4]
[{"$nulls":6},{"v":0.79,"d":"79%"},4]
[{"$nulls":6},{"v":0.8,"d":"80%"},4]
[{"$nulls":6},{"v":0.81,"d":"81%"},3.75]
[{"$nulls":6},{"v":0.82,"d":"82%"},3.75]
[{"$nulls":6},{"v":0.83,"d":"83%"},3.75]
[{"$nulls":6},{"v":0.84,"d":"84%"},3.75]
[{"$nulls":6},{"v":0.85,"d":"85%"},3.75]
[{"$nulls":6},{"v":0.86,"d":"86%"},3.75]
[{"$nulls":6},{"v":0.87,"d":"87%"},3.75]
[{"$nulls":6},{"v":0.88,"d":"88%"},3.75]
[{"$nulls":6},{"v":0.89,"d":"89%"},3.75]
[{"$nulls":6},{"v":0.9,"d":"90%"},3.75]
[{"$nulls":6},{"v":0.91,"d":"91%"},3.5]
[{"$nulls":6},{"v":0.92,"d":"92%"},3.5]
[{"$nulls":6},{"v":0.93,"d":"93%"},3.5]
[{"$nulls":6},{"v":0.94,"d":"94%"},3.5]
[{"$nulls":6},{"v":0.95,"d":"95%"},3.5]
[{"$nulls":6},{"v":0.96,"d":"96%"},0.1]
[{"$nulls":6},{"v":0.97,"d":"97%"},0.1]
[{"$nulls":6},{"v":0.98,"d":"98%"},0.1]
[{"$nulls":6},{"v":0.99,"d":"99%"},0.1]
[{"$nulls":6},{"v":1,"d":"100%"},0.1]
[{"$nulls":6},{"v":1.01,"d":"101%"},0.1]
[{"$nulls":6},{"v":1.02,"d":"102%"},0.1]
[{"$nulls":6},{"v":1.03,"d":"103%"},0.1]
[{"$nulls":6},{"v":1.04,"d":"104%"},0.1]
[{"$nulls":6},{"v":1.05,"d":"105%"},0.1]
[{"$nulls":6},{"v":1.06,"d":"106%"},0.1]
[{"$nulls":6},{"v":1.07,"d":"107%"},0.1]
[{"$nulls":6},{"v":1.08,"d":"108%"},0.1]
[{"$nulls":6},{"v":1.09,"d":"109%"},0.1]
[{"$nulls":6},{"v":1.1,"d":"110%"},0.1]
[{"$nulls":6},{"v":1.11,"d":"111%"},0.1]
[{"$nulls":6},{"v":1.12,"d":"112%"},0.1]
[{"$nulls":6},{"v":1.13,"d":"113%"},0.1]
[{"$nulls":6},{"v":1.14,"d":"114%"},0.1]
[{"$nulls":6},{"v":1.15,"d":"115%"},0.1]
[{"$nulls":6},{"v":1.16,"d":"116%"},0.1]
[{"$nulls":6},{"v":1.17,"d":"117%"},0.1]
[{"$nulls":6},{"v":1.18,"d":"118%"},0.1]
[{"$nulls":6},{"v":1.19,"d":"119%"},0.1]
[{"$nulls":6},{"v":1.2,"d":"120%"},0.1]