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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"RANDBETWEEN(1,R6)","v":12}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"MAX('Marketing Words'!B6:B102)","v":17}]
[null,null,"Term Loans"]
[null,null," Quick and straightforward First and Second Charge Term Loans",null,null,null,null,"a"]
[]
[null,null,"= Loans from £10,000 - £500,000"]
[null,null,"= Mortgage term: 3 – 30 years"]
[null,null,"= Adverse credit considered "]
[null,null,"= Automated valuations (AVM) accepted",null,null,null,null,null,null,null,{"$f":"VLOOKUP(R5,'Marketing Words'!B6:C42,2,FALSE)","v":"Personal & Limited company borrowers welcome"}]
[]
[]
[null,null,"Bridging Loans"]
[null,null,"Quick and straightforward First and Second Charge Bridging Loans"]
[]
[null,null,"= Loans from £25,000 - £500,000"]
[null,null,"= Loan term: 1–18 months"]
[null,null,"= Funds possible in 48 hours"]
[null,null,"= Pay monthly or at the end of the loan"]
[null,null,"= Adverse credit considered"]
[null,null,"= Multiple exit strategies accepted",null,null,null,null,null,null,null,"Quote History"]
[]
[null,null,null,null,null,null,null,null,null,null,"Any quotes saved are stored here"]
[]
[null,null,"Please get in touch"]
[null,null,"Our mandated underwriters can be reached on:"]
[null,null,"0800 032 5285"]
[null,null,"referrals@mercantiletrust.co.uk"]

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[null,null,"Bridge Quote History"]
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[]
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[]
[]
[null,{"$f":"\"Date: \"","v":"Date: "}]
[null,{"$f":"INDIRECT(\"'BR Quote History'!e3\")","v":"00:00:00"}]
[]
[null,"Introducer Name:"]
[]
[null,"Heads of Terms"]
[]
[null,"Thank you for your enquiry.  We are pleased to confirm that based on the information provided to us, the application is acceptable in principle and this outlines the facility that we may be able to provide together with some of the terms and conditions that will apply."]
[]
[null,"Applicant Name:  ",{"$f":"IF('Bridge Quote'!C3=\"\",\"\",'Bridge Quote'!C3)","v":"<Complete>"},null,null,"Change",{"$f":"INDIRECT(\"'BR Quote History'!d4\")","v":"N"}]
[null,"If the application is being made by a Limited Company, please note that all directors/shareholders in the business will need to provide a personal guarantee. Also a debenture over the property."]
[null,"Security Address:",{"$f":"IF('Bridge Quote'!C5=\"\",\"Not Stated\",'Bridge Quote'!C5)","v":"<Complete>"}]
[]
[null,"Advised Estimated Valuation of:",{"$f":"'Bridge Quote'!C23","v":"<Complete>"}]
[null,"Other Security Address: "]
[]
[null,"Advised Estimated Valuation of:","£"]
[]
[null,"Product:",{"$f":"'BR Workings'!C49","v":"<Select> - <Select> - <Select> - <Select>"}]
[null,"Loan Term:",{"$f":"'Bridge Quote'!C15 & \" months \"","v":"<Complete> months "}]
[null,{"$f":"IF('BR Workings'!C40=\"FFT\",\"Monthly / Annual Interest Rate (fixed for term):\",\"Monthly / Annual Interest Rate (variable):\")","v":{"$error":"#N/A"}},{"$f":"IFERROR('BR Workings'!C41*100& \"%\"&\" / \"&'BR Workings'!C41*1200& \"%\",\"\")","v":""}]
[null,"Net Loan:",{"$f":"'Bridge Quote'!F3","v":""}]
[null,{"$f":"\"Lender Fee - \"&IF('Bridge Quote'!C42=FALSE,\" added to the loan:\",\" payable up front:\")","v":"Lender Fee -  added to the loan:"},{"$f":"'Bridge Quote'!F4","v":""}]
[null,{"$f":"\"Broker Fee - \"&IF('Bridge Quote'!C41=FALSE,\" added to the loan:\",\" payable up front:\")","v":"Broker Fee -  added to the loan:"},{"$f":"'Bridge Quote'!F6","v":""}]
[null,{"$f":"IF('BR Workings'!C66=0,\"Title Insurance (not available)\",\"Title Insurance\" &IF('Bridge Quote'!C43=FALSE,\" (not taken)\",IF('Bridge Quote'!C42=FALSE,\" - added to the loan:\",\" - payable up front:\")))","v":{"$error":"#N/A"}},{"$f":"IF(B27=\"\",\"\",'Bridge Quote'!F5)","v":{"$error":"#N/A"}}]
[null,"Gross Loan: ",{"$f":"'Bridge Quote'!F8","v":""}]
[null,"Where detailed below, fees are included in the gross loan amount and will be deducted from the advance on completion"]
[null,"Repayment Method:  ",{"$f":"IF('Bridge Quote'!C12=\"\",\"\",'Bridge Quote'!C12)","v":"<Select>"}]
[null,{"$f":"IF('BR Workings'!C8=\"R\",\"Rolled Interest (Approximate):\", \"Monthly Interest (repayment)\")","v":"Monthly Interest (repayment)"},{"$f":"IF('BR Workings'!C8=\"R\",'BR Workings'!F47,'Bridge Quote'!F10)","v":""}]
[null,{"$f":"IF('BR Workings'!C8=\"R\",\"\", \"Monthly serviced interest payments will cover interest only, the full capital balance will not be reduced throughout the term. \")","v":"Monthly serviced interest payments will cover interest only, the full capital balance will not be reduced throughout the term. "},{"$f":"IF('BR Workings'!C8=\"R\",\"\",\"(Payable by Direct Debit)\")","v":"(Payable by Direct Debit)"}]
[]
[null,"Total Repayable at the End of the Loan Term including Discharge Fee (Approximate): ",{"$f":"'BR Workings'!F48+C36","v":{"$error":"#VALUE!"}}]
[null,"Early Repayment Charge: ","None"]
[null,"Discharge Fee: ",245]
[null,"Late Redemption Penalty:","5% of the opening net loan"]
[]
[null,"Fees (if added to the loan these will be deducted from the gross loan amount on completion):"]
[]
[null,"Broker Fee:",{"$f":"'Bridge Quote'!F6","v":""}]
[null,{"$f":"IF(C41=0,\"Not applicable\",IF('BR Workings'!C22=FALSE,\"You have asked for this fee to be added to your loan, it will therefore be interest bearing. This will be deducted from the gross loan on completion and paid to your Broker.\", \"You have chosen to pay your Broker this fee up front.\"))","v":"You have asked for this fee to be added to your loan, it will therefore be interest bearing. This will be deducted from the gross loan on completion and paid to your Broker."}]
[null,"Lender Fee:",{"$f":"'Bridge Quote'!F4","v":""}]
[null,{"$f":"IF('BR Workings'!C23=FALSE,\"You have asked for this fee to be added to your loan, it will therefore be interest bearing. This will be deducted from the gross loan on completion.\", \"You have chosen to pay this fee up front. This must be paid to us before the loan completes.\")","v":"You have asked for this fee to be added to your loan, it will therefore be interest bearing. This will be deducted from the gross loan on completion."}]
[null,{"$f":"IF(B27=\"\",\"\",\"Title Insurance:\")","v":{"$error":"#N/A"}},{"$f":"IF(B45=\"\",\"\",'Bridge Quote'!F5)","v":{"$error":"#N/A"}}]
[null,{"$f":"IF('BR Workings'!C66=0,\"Not available on this plan\",IF('BR Workings'!C24=FALSE,\"Opted out\",IF('BR Workings'!C23=FALSE,\"You have asked for this fee to be added to your loan, it will therefore be interest bearing. This will be deducted from the gross loan on completion.\", \"You have chosen to pay this fee up front. This must be paid to us before the loan completes.\")))","v":{"$error":"#N/A"}}]
[null,"Valuation Fee, only payable if does not pass AVM: (not included in gross loan)",{"$f":"'Bridge Quote'!F16","v":"Add Val"}]
[null,"Including VAT.  Paid directly to the valuer. Based on the estimated property value"]
[null,"Legal Fee:",{"$f":"'Bridge Quote'!F15","v":""}]
[null,{"$f":"IF('BR Workings'!C6=1,\"Including VAT.  This fee is for 1st charges Only. Prior to commencement of legal due diligence, the borrowers solicitor\"&\" will be required to provide our solicitor with an undertaking to pay its accrued legal fees in full, whether or not the loan completes. This fee may change once solicitors are instructed and work has begun.\",\"\")","v":"Including VAT.  This fee is for 1st charges Only. Prior to commencement of legal due diligence, the borrowers solicitor will be required to provide our solicitor with an undertaking to pay its accrued legal fees in full, whether or not the loan completes. This fee may change once solicitors are instructed and work has begun."}]
[null,"Commission:",{"$f":"'Bridge Quote'!I13","v":""}]
[null,"This is the amount we will pay to your broker upon completion. This does not form part of the loan agreement"]
[]
[null,"These Heads of Terms are valid for 14 days from the date of issue"]
[]
[null,"Please note that interest on your loan will be charged on a daily rate based on the actual number of days in any month.  As the number of days in a month differ from month to month, we have assumed that there are 30.4 days (365 days/12) in each month for the purpose of this illustration.  This means the actual interest charged (and therefore your final repayment instalment) may be higher than illustrated. "]
[null,"This is not a formal loan offer.  These figures are based on un-verified information that has been provided to us.  Mercantile Trust Ltd will only be able to provide the applicant with a formal loan offer when we are in receipt of and satisfied with the following requirements:"]
[]
[null,"·         Fully completed and signed application pack."]
[null,"·         Proof of 6 months' mortgage or rent history (if not on the credit search)."]
[null,"·         NIVO ID verification."]
[null,"·         Proof of address for last 3 years "]
[null,"·         Valuation required - Full / Drive by / AVM (depending on criteria)"]
[null,"·         If the property is currently rented;"]
[null,"o  A copy of the most recent Energy Performance Certificate rated E or above."]
[null,"o    Copy of current tenancy agreement(s)."]
[null,"·      Confirmation of the exit strategy is required."]
[null,"·      Copy of building insurance schedule with Mercantile Trust Ltd’s interest noted for 1st charges– Reinstatement value required. "]
[null,"·         Proof of last month's rent received"]
[null,"All documentation to be emailed to referrals@mercantiletrust.co.uk"]
[]
[null,"Please note the following will be conducted by Mercantile Trust Ltd:"]
[]
[null,"·         Pre-Completion call to be completed with all applicants "]
[null,"·         Equifax credit search to be conducted on all properties"]
[]
[null,"Valuation: where the applicant is ready to proceed the valuation can be instructed via:"]
[]
[null,"Pure Panel Management: 0191 214 2459 - residential properties only"]
[null,"VAS Panel Management:  01642 262 217 - refurbishment, residential & commercial properties"]
[]
[null,"Solicitors: Mercantile Trust Ltd will instruct solicitors when our underwriting criteria has been satisfied."]
[]
[null,"Mercantile Trust Ltd is unable to lend where this mortgage would become a regulated mortgage contract under current FCA rules.  "]
[]
[null,"Property Type: Mercantile Trust Ltd will consider loans on all types of residential properties although certain properties may have LTV restrictions imposed. Please refer to our current matrix. The property types outlined below are ineligible for our product range."]
[null,"·         A property that is non-traditional and not suitable to the area "]
[null,"·         Grade I or II* (star) listed properties."]
[null,"·         Shared ownership/Housing Association properties"]
[null,"·         Properties valued at less than £75,000"]
[null,"·        Maximum LTVs apply for the following:   Freehold Flats max LTV 65%, Ex Local Authority flats/maisonettes under £150k max LTV 65%, \n       Properties over £1.5m max LTV 65%, Properties over £1m max LTV 70%."]
[null,"·         Properties where potential environmental damage exists"]
[null,"·         Leasehold properties with less than 50 years remaining "]

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[null,"Consolidation","Holiday Let","2 Status",2,{"$f":"IF('BR Workings'!C16=\"Y\",\"\",\"First Charge Purchase\")","v":"First Charge Purchase"},1,null,null,null,null,null,"Fixed => 5Yr",null,2,2,3]
[null,"Business","Student Let",null,null,{"$f":"IF('BR Workings'!C16=\"Y\",\"\",\"First Charge Refinance\")","v":"First Charge Refinance"},1,null,null,null,null,null,null,null,3,3,4]
[null,"Lease extension","MUFB",null,null,{"$f":"IF('BR Workings'!C16=\"Y\",\"\",\"First Charge Unencumbered\")","v":"First Charge Unencumbered"},1,null,null,null,null,null,null,null,4,4,5]
[null,"Other",{"$f":"IF('BR Workings'!D76=\"Yes\",\"\",\"HO Business Loan\")","v":"HO Business Loan"},null,null,null,null,null,null,null,null,null,null,null,5,5,6]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6,7]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,10]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,11,12]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,12,13]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,13,14]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14,15]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,15,16]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,16,17]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,17,18]

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[]
[null,"Inputs",null,null,null,null,"Publishing Calculator"]
[null,"Broker / Direct","B"]
[null,"Location",{"$f":"LEFT('Bridge Quote'!C24)","v":"<"}]
[null,"Purchase",{"$f":"IF(ISERROR(FIND(\"Purchase\",'Bridge Quote'!C11)),\"N\",\"Y\")","v":"N"}]
[null,"Charge",{"$f":"IFERROR(VLOOKUP('Bridge Quote'!C11,'BR Drop Downs'!F4:G10,2,FALSE),1)","v":1}]
[null,"Status",{"$f":"VLOOKUP('Bridge Quote'!C13,'BR Drop Downs'!D4:E10,2,FALSE)","v":{"$error":"#N/A"}},null,null,null,null,null,null,"After publishing non-macro ensure you save-as type"]
[null,"Repayment basis",{"$f":"LEFT('Bridge Quote'!C12)","v":"<"},null,null,null,null,null,null,"Excel workbook (NOT macro-enabled)"]
[null,"Term",{"$f":"'Bridge Quote'!C15","v":"<Complete>"}]
[null,"Inputs Complete",{"$f":"IF(OR(C18=\"Y\",C11=\"N\",C13=\"N\",C12=\"N\",'Bridge Quote'!D17=1,SUM('Bridge Quote'!D23:D28)>0),\"N\",\"Y\")","v":"N"}]
[null,"1st Charge comp",{"$f":"IF(AND(C6=2,'Bridge Quote'!D30<>5),\"N\",\"Y\")","v":"Y"}]
[null,"Plan Type Complete",{"$f":"IF(SUM('Bridge Quote'!D10:D15)>0,\"N\",\"Y\")","v":"N"}]
[null,"1st Charge deleted",{"$f":"IF(AND(C6=1,'Bridge Quote'!D30<>0),\"N\",\"Y\")","v":"Y"},"if is a 1st charge and prev mortgage details still there"]
[null,"Equitable Charge",{"$f":"IF('Bridge Quote'!C11=\"Equitable Charge\",\"Y\",\"N\")","v":"N"}]
[null,"Eq Ch Error",{"$f":"IF(AND(C14=\"Y\",OR(C4=\"S\",C4=\"N\")),\"Y\",\"N\")","v":"N"},"Not Scotland or NI"]
[null,"Is HOBL",{"$f":"IF('Bridge Quote'!C10=\"HO Business Loan\",\"Y\",\"N\")","v":"N"}]
[null,"HOBL Min Loan",{"$f":"'BR Matrix'!F22","v":25000}]
[null,"HOBL error",{"$f":"IF(AND(C16=\"Y\",C6=1),\"Y\",\"N\")","v":"N"},"Second charge only"]
[null,"Tick boxes"]
[null,"1st time LL",{"$f":"'Bridge Quote'!C39","v":false}]
[null,"Packaged",{"$f":"'Bridge Quote'!C40","v":false}]
[null,"B fee UF",{"$f":"'Bridge Quote'!C41","v":false}]
[null,"L fee UF",{"$f":"'Bridge Quote'!C42","v":false}]
[null,"Add TI",{"$f":"'Bridge Quote'!C43","v":false}]
[null,"Del Max",{"$f":"'Bridge Quote'!C44","v":false},10000000]
[null,"Bridge Extension",{"$f":"'Bridge Quote'!C45","v":false}]
[null,"Max LTVs"]
[null,null,null,null,"Max LTV index","Reason",null,null,"Value"]
[null,"LTV Restrictions","This App","LTV",0,null,"Prop Type","LTV",0,150000,"Country","LTV","Prop Value","LTV","1st time LL",null,"Equitable Charge"]
[null,"Plan",{"$f":"C39","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(C30,'BR Matrix'!C6:H21,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"E29+IF(D30=$D$36,1,0)","v":{"$error":"#N/A"}},"Plan max","Ex C'cil Flat / Mais",{"$f":"IF(C33>=J29,J30,I30)","v":1},0.65,1,"England",1,0,1,true,0.65,"Equitable Charge",0.7]
[null,"Country",{"$f":"'Bridge Quote'!C24","v":"<Select>"},{"$f":"VLOOKUP(C31,K30:L33,2,FALSE)","v":{"$error":"#N/A"}},{"$error":"#N/A"},"Property in NI","Freehold Flat",0.65,null,null,"Wales",1,1000001,0.7,false,1,0,1]
[null,"Prop Type",{"$f":"'Bridge Quote'!C25","v":"<Select>"},{"$f":"VLOOKUP(C32,G30:H34,2,FALSE)","v":{"$error":"#N/A"}},{"$error":"#N/A"},"Property type","All other properties",1,null,null,"Scotland",1,1500001,0.65]
[null,"Prop Value",{"$f":"'Bridge Quote'!C23","v":"<Complete>"},{"$f":"VLOOKUP(C33,M30:N32,2,TRUE)","v":{"$error":"#N/A"}},{"$error":"#N/A"},"Property value",null,null,null,null,"Northern Ireland",1]
[null,"1st time LL",{"$f":"IF(C16=\"Y\",FALSE,'BR Workings'!C20)","v":false},{"$f":"VLOOKUP(C34,O30:P31,2,FALSE)","v":1},{"$error":"#N/A"},"First time landlord"]
[null,"Equitable Charge",{"$f":"'Bridge Quote'!C11","v":"<Select>"},{"$f":"IFERROR(VLOOKUP(C35,Q30:R34,2,FALSE),1)","v":1},{"$error":"#N/A"},"Equitable Charge"]
[null,"Max LTV this Plan",null,{"$f":"MIN(D30:D35)","v":{"$error":"#N/A"}},"Final Reason",{"$f":"VLOOKUP(1,E30:F35,2,FALSE)&IF(E35>1,\"; \"&VLOOKUP(2,E30:F35,2,FALSE)&IF(E35>2,\"; \"&VLOOKUP(3,E30:F35,2,FALSE)&IF(E35>3,\"; \"&VLOOKUP(4,E30:F35,2,FALSE)&IF(E35>5,\"; \"&VLOOKUP(5,E30:F35,2,FALSE),\"\"),\"\"),\"\"),\"\")","v":{"$error":"#N/A"}}]
[]
[null,"This Plan",null,null,null,null,null,null,"Amount Errors"]
[null,"Plan Code",{"$f":"C6&\"-\"&C7","v":{"$error":"#N/A"}},null,"Net",{"$f":"IF('Bridge Quote'!D17=1,0,'Bridge Quote'!C17)","v":0},"Included",null,"Net under min",{"$f":"IF(AND(F39<C43,F39<>0),\"Y\",\"N\")","v":{"$error":"#N/A"}}]
[null,"Fix Code",{"$f":"VLOOKUP('Bridge Quote'!C14,'BR Drop Downs'!H4:J12,3,FALSE)","v":{"$error":"#N/A"}},null,"Broker fee",{"$f":"IF(C3=\"D\",0,IF('Bridge Quote'!C18=\"<Optional>\",0,'Bridge Quote'!C18))","v":0},{"$f":"IF(C22=TRUE,0,F40)","v":0},null,"Net over max",{"$f":"IF(F39>C44,\"Y\",\"N\")","v":{"$error":"#N/A"}}]
[null,"Plan Rate",{"$f":"IF(J42=\"Y\",\"No PLAN\",HLOOKUP(C39,'BR Matrix'!C6:H21,VLOOKUP(C40,'BR Matrix'!A11:I24,9,FALSE),FALSE))","v":{"$error":"#N/A"}},null,"Lender Fee",{"$f":"'Bridge Quote'!F4","v":""},{"$f":"IF(C23=TRUE,0,F41)","v":""},null,"Broker fee high",{"$f":"IF(OR(F40>K41,F40>(F39*L41)),\"Y\",\"N\")","v":"N"},10000,0.15]
[null,null,null,null,"Title Insurance",{"$f":"C64","v":0},{"$f":"IF(C23=TRUE,0,F42)","v":0},null,"Any Error",{"$f":"IF(COUNTIF(J39:J41,\"Y\")>0,\"Y\",\"N\")","v":"N"}]
[null,"Min Loan",{"$f":"IF(C25=TRUE,0,IF(C16=\"Y\",C17,HLOOKUP(C39,'BR Matrix'!C6:H9,3,FALSE)))","v":{"$error":"#N/A"}},null,"Gross",{"$f":"SUM(F39,G40:G42)","v":0}]
[null,"Max Loan",{"$f":"IF(C25=TRUE,D25,C55)","v":{"$error":"#N/A"}},null,"LTV",{"$f":"ROUNDUP((F48+IF('Bridge Quote'!D34=0,0,'Bridge Quote'!C34))/C33,4)","v":{"$error":"#VALUE!"}}]
[null,"Fix term",{"$f":"VLOOKUP('Bridge Quote'!C14,'BR Drop Downs'!H4:I12,2,FALSE)","v":{"$error":"#N/A"}},null,"Over Max LTV",{"$f":"IF(F44>D36,1,0)","v":{"$error":"#VALUE!"}}]
[null,null,null,null,"Monthly payment",{"$f":"ROUND(F43*C41,IF(C8=\"R\",0,2))","v":{"$error":"#N/A"}},"(Month 1 int)"]
[null,null,null,null,"Interest over term",{"$f":"IFERROR(IF(C8=\"R\",ROUNDUP(F43*((1+C41)^'Bridge Quote'!C15)-F43,0),F46*'Bridge Quote'!C15),\"\")","v":""},null,null,"Stress on 1st payment"]
[null,null,null,null,"Total Loan",{"$f":"F43+IF(C8=\"S\",0,F47)","v":{"$error":"#VALUE!"}},null,null,"Stress applicable",null,{"$f":"IF('Bridge Quote'!C32<>\"Fixed => 5Yr\",\"Y\",\"N\")","v":"Y"}]
[null,"Full Plan Name",{"$f":"'Bridge Quote'!C10&\" - \"&'Bridge Quote'!C11&\" - \"&'Bridge Quote'!C12&\" - \"&'Bridge Quote'!C13","v":"<Select> - <Select> - <Select> - <Select>"},null,null,null,null,null,"Stressed Payment",null,{"$f":"IFERROR(IF(K48=\"N\",'Bridge Quote'!C35,ROUND(IF('Bridge Quote'!C31=\"Repayment\",PMT(RATE('Bridge Quote'!C33,'Bridge Quote'!C35,-'Bridge Quote'!C34)+(C71/12),'Bridge Quote'!C33,-'Bridge Quote'!C34),'Bridge Quote'!C34*(('Bridge Quote'!C35/'Bridge Quote'!C34)+(C71/12))),2)),0)","v":0}]
[]
[null,"Max Loan Amounts"]
[null,"Plan Max Loan",{"$f":"HLOOKUP(C39,'BR Matrix'!C6:H21,4,FALSE)","v":{"$error":"#N/A"}}]
[null,"NI Max Loan",{"$f":"IF(C4=\"N\",D53,10000000)","v":10000000},{"$f":"HLOOKUP(C39,'BR Matrix'!B6:H21,16,FALSE)","v":{"$error":"#N/A"}}]
[null,"Eq Charge Max Loan",{"$f":"IF(C14=\"Y\",D54,10000000)","v":10000000},100000]
[null,"Lowest",{"$f":"MIN(C52:C54)","v":{"$error":"#N/A"}}]
[]
[null,"Lender Fees","Applies","(broker only)",null,"Commission Offset","Broker","Applies","£","Applies","%","Direct","Applies","Net under","Net from","£","%","Total","Wording"]
[null,"This plan lender fee",{"$f":"C60+(F39*C59)","v":0},null,null,0,"Basic",null,null,{"$f":"IF($C$14=\"N\",K58,0)","v":0.03},0.03,null,{"$f":"IF(AND($M$61<>1,$F$39<N58),1,0)","v":1},20000,0,1499,0.01,{"$f":"($F$39*Q58)+P58","v":1499},{"$f":"IF(M58=1,\"Standard lender fee: £\"&IF(F39=0,\"TBA\",ROUND(R58,2)&\" (£\"&ROUND(Q58*$F$39,2)&\" + £\"&P58&\")\"),\"\")","v":"Standard lender fee: £TBA"}]
[null,"Fixed",{"$f":"SUM(J58:J61)-F58","v":0.03},null,null,"Enter % to take off commission to reduce lender fee","Packaged",{"$f":"IF(C21=TRUE,I59,0)","v":0},999,null,null,null,{"$f":"IF(AND($M$61<>1,$F$39<N59,$F$39>=N58),1,0)","v":0},100000,{"$f":"N58","v":20000},2999,0.01,{"$f":"($F$39*Q59)+P59","v":2999},{"$f":"IF(M59=1,\"Standard lender fee: £\"&ROUND(R59,2)&\" (£\"&ROUND(Q59*$F$39,2)&\" + £\"&P59&\")\",\"\")","v":""}]
[null,"£",{"$f":"SUM(H58:H61)","v":0},null,null,null,"NI",{"$f":"IF(AND(C4=\"N\",C6=2),I60,0)","v":0},899,null,null,null,{"$f":"IF(AND($M$61<>1,$F$39<N60,$F$39>=N59),1,0)","v":0},10000000,{"$f":"N59","v":100000},3499,0.01,{"$f":"($F$39*Q60)+P60","v":3499},{"$f":"IF(M60=1,\"Standard lender fee: £\"&ROUND(R60,2)&\" (£\"&ROUND(Q60*$F$39,2)&\" + £\"&P60&\")\",\"\")","v":""}]
[null,null,null,null,null,null,"Equitable Charge",{"$f":"IF($C$14=\"Y\",I61,0)","v":0},499,{"$f":"IF($C$14=\"Y\",K61,0)","v":0},0.04,null,{"$f":"IF(C26=TRUE,1,0)","v":0},"Bridge Extension",null,999,0.01,{"$f":"($F$39*Q61)+P61","v":999},{"$f":"IF(M61=1,\"Standard lender fee: £\"&ROUND(R61,2)&\" (£\"&ROUND(Q61*$F$39,2)&\" + £\"&P61&\")\",\"\")","v":""}]
[]
[null,"Title Insurance ",null,null,null,null,null,null,"TI threshold","Min loan for TI",null,"Reason Not TI",{"$f":"VLOOKUP(1,L64:M68,2,FALSE)","v":"Title Insurance is available"}]
[null,"This Loan Premium",{"$f":"IF(C24=TRUE,C66,0)","v":0},null,null,"TI Bandings (over)",null,null,"Second Charge",999999999,null,{"$f":"IF(AND(C4=\"N\",C68<>\"Y\"),1,0)","v":0},"Title Insurance NA in Northern Ireland"]
[null,"TI Threshold",{"$f":"VLOOKUP(C67,I64:J68,2,FALSE)","v":{"$error":"#N/A"}},null,null,0,699,null,"First Charge Purchase",0,null,{"$f":"IF(AND(C6=2,$F$39<J64),1,0)","v":0},"Title Insurance NA on 2nd charges"]
[null,"Potential Premium",{"$f":"IF(AND(C4=\"N\",C68<>\"Y\"),0,IF(F39<C65,0,VLOOKUP(F39,F65:G66,2,TRUE)))","v":{"$error":"#N/A"}},null,null,300000,999,null,"First Charge Refinance",100000,null,{"$f":"IF(AND($C$67=I66,$F$39<J66),1,0)","v":0},{"$f":"\"Title Insurance NA on 1st refinance < £\"&J66/1000&\"k\"","v":"Title Insurance NA on 1st refinance < £100k"}]
[null,"Plan Type",{"$f":"'Bridge Quote'!C11","v":"<Select>"},null,null,null,null,null,"First Charge Unencumbered",100000,null,{"$f":"IF(AND($C$67=I67,$F$39<J67),1,0)","v":0},{"$f":"\"Title Insurance NA on 1st unencumbered < £\"&J67/1000&\"k\"","v":"Title Insurance NA on 1st unencumbered < £100k"}]
[null,"Available in NI","n",null,null,null,null,null,"Equitable Charge",999999999,null,{"$f":"IF(SUM(L64:L67)=0,1,0)","v":1},"Title Insurance is available"]
[null,"Rules",null,null,"DSCR"]
[null,"Max DSCR",{"$f":"IF(AND(C20=TRUE,F44>G71),F71,F70)","v":{"$error":"#VALUE!"}},null,"Normal",1.25]
[null,"Stress",0.01,null,"1st time LL > 65%",1.4,0.65]
[]
[]
[null,"Legal Fees",null,null,null,"1st charge"]
[null,"This plan legal fee",{"$f":"IF(C6=2,0,IF(AND(C6=1,C4=\"N\"),VLOOKUP(F43,F76:I82,4,TRUE),IF(OR(C5=\"Y\",F39>=100000),VLOOKUP(F39,F76:H82,3,TRUE)+IF(D76=\"YES\",C76,0)+IF(D77=\"YES\",C77,0),0)))","v":0},null,null,"Loan min","Loan max","EWS","NI"]
[null,"Limited co",300,{"$f":"'Bridge Quote'!C7","v":"<Select>"},null,0,0,0,0]
[null,"Leasehold",300,{"$f":"'Bridge Quote'!C28","v":"<Complete>"},null,{"$f":"G76+1","v":1},250000,{"$f":"700*1.2","v":840},1489]
[null,null,null,null,null,{"$f":"G77+1","v":250001},500000,{"$f":"800*1.2","v":960},1489]
[null,null,null,null,null,{"$f":"G78+1","v":500001},750000,{"$f":"875*1.2","v":1050},1489]
[null,null,null,null,null,{"$f":"G79+1","v":750001},1000000,1110,1489]
[null,null,null,null,null,{"$f":"G80+1","v":1000001},null,1200,1489]
[]
[null,"Valuation Fee"]
[null,"This Plan",{"$f":"IFERROR(VLOOKUP(C88,C90:D97,2,FALSE),IF(D86=1,\"Add Val\",IF(C4=\"N\",\"Refer\",IF(C4=\"S\",VLOOKUP(C86,L86:N97,3,TRUE),VLOOKUP(C86,F86:H96,3,TRUE)))))","v":"Add Val"},null,null,"E&W",null,null,null,null,null,"Scotland"]
[null,null,null,null,null,"Value min","Value Max","Fee",null,null,null,"Value min","Value Max","Fee"]
[null,"Prop Val",{"$f":"'Bridge Quote'!C23","v":"<Complete>"},{"$f":"'Bridge Quote'!D23","v":1},null,0,200000,220,null,null,null,0,100000,245]
[null,null,null,null,null,{"$f":"G86+1","v":200001},300000,250,null,null,null,{"$f":"M86+1","v":100001},200000,285]
[null,"Plan Type",{"$f":"'Bridge Quote'!C10","v":"<Select>"},null,null,300001,350000,275,null,null,null,200001,300000,335]
[null,null,null,null,null,350001,400000,280,null,null,null,300001,400000,400]
[null,"TBC Val Fee","MUFB","TBC",null,400001,500000,350,null,null,null,400001,500000,475]
[null,null,"HMO","TBC",null,500001,600000,490,null,null,null,500001,600000,620]
[null,null,null,"TBC",null,600001,700000,600,null,null,null,600001,700000,630]
[null,null,null,"TBC",null,700001,800000,700,null,null,null,700001,750000,700]
[null,null,null,"TBC",null,800001,900000,775,null,null,null,750001,800000,860]
[null,null,null,"TBC",null,900001,1000000,850,null,null,null,800001,900000,865]
[null,null,null,"TBC",null,1000001,9999999999,"On request",null,null,null,900001,1000000,890]
[null,null,null,"TBC",null,null,null,null,null,null,null,1000001,999999999,"On request"]
[]
[null,"Max Lending Broker",null,null,null,null,null,null,"Max Lending Direct"]
[null,"Max Sec Lending End",{"$f":"('Bridge Quote'!C23*D36)-IF('Bridge Quote'!D34=0,0,'Bridge Quote'!C34)","v":{"$error":"#VALUE!"}},null,null,null,null,null,"Max Sec Lending End",{"$f":"('Bridge Quote'!C23*D36)-IF('Bridge Quote'!D34=0,0,'Bridge Quote'!C34)","v":{"$error":"#VALUE!"}}]
[null,"Max Sec Lending Start",{"$f":"IF(C8=\"R\",ROUNDDOWN(C100/POWER(1+C41,'Bridge Quote'!C15),0),C100)","v":{"$error":"#VALUE!"}},null,null,null,null,null,"Max Sec Lending Start",{"$f":"IF(C8=\"R\",ROUNDDOWN(C100/POWER(1+C41,'Bridge Quote'!C15),0),C100)","v":{"$error":"#VALUE!"}}]
[null,"Lender fee %",{"$f":"IF(C23=TRUE,0,IF(C3=\"B\",C59,0))","v":0.03},null,null,null,null,null,"Lender fee %",{"$f":"IF(C23=TRUE,0,IF(C3=\"D\",IF(C26=TRUE,Q61,VLOOKUP(J101,O58:Q61,3,TRUE)),0))","v":0}]
[null,"Broker Fee £",{"$f":"IF(C22=TRUE,0,F40)","v":0},null,null,null,null,null,"Broker Fee £"]
[null,"Lender Fee £",{"$f":"IF(C23=TRUE,0,IF(C3=\"B\",H60+H59+H61,F41))","v":0},null,null,null,null,null,"Lender Fee £",{"$f":"IF(C23=TRUE,0,IF(C3=\"D\",IF(C26=TRUE,P61,VLOOKUP(J101,O58:Q61,2,TRUE)),0))","v":0}]
[null,"Title Insurance",{"$f":"G42","v":0},null,null,null,null,null,"Title Insurance",{"$f":"G42","v":0}]
[null,null,"Lower TI","Higher TI","High Net",null,null,null,null,"Lower TI","Higher TI","High Net"]
[null,null,{"$f":"IF(C105=0,0,G65)","v":0},{"$f":"IF(C105=0,0,G66)","v":0},{"$f":"F66","v":300000},null,null,null,null,{"$f":"IF(J105=0,0,N65)","v":0},{"$f":"IF(J105=0,0,N66)","v":0},{"$f":"F66","v":300000}]
[null,"Max Adjusted for TI",{"$f":"MIN(ROUNDDOWN((C101-C103-C104-C107)/(1+C102),0),C44)","v":{"$error":"#VALUE!"}},{"$f":"MIN(ROUNDDOWN((C101-C103-C104-D107)/(1+C102),0),C44)","v":{"$error":"#VALUE!"}},{"$f":"E107-1","v":299999},"Different if the loan amount goes over the TI limit",null,null,"Max Adjusted for TI",{"$f":"MIN(ROUNDDOWN((J101-J103-J104-J107)/(1+J102),0),C44)","v":{"$error":"#VALUE!"}},{"$f":"MIN(ROUNDDOWN((J101-J103-J104-K107)/(1+J102),0),C44)","v":{"$error":"#VALUE!"}},{"$f":"L107-1","v":299999},"Different if the loan amount goes over the TI limit"]
[null,"Max Net",{"$f":"IF(C108<E107,C108,IF(D108>=E107,D108,E108))","v":{"$error":"#VALUE!"}},null,null,null,null,null,"Max Net",{"$f":"IF(J108<L107,J108,IF(K108>=L107,K108,L108))","v":{"$error":"#VALUE!"}}]
[]
[null,"Criteria Highlights",null,null,"Serviced",null,null,null,null,null,null,null,null,"Rolled"]
[null,"Use (this application)",null,null,"BTL-S","HMO-S","Holiday Let-S","Student Let-S","MUFB-S","HO Business Loan-S",null,null,null,"BTL-R","HMO-R","Holiday Let-R","Student Let-R","MUFB-R","HO Business Loan-R"]
[null,{"$f":"'Bridge Quote'!C10&\"-\"&C8","v":"<Select>-<"},null,null,2,3,4,5,6,7,null,null,null,11,{"$f":"N113+1","v":12},{"$f":"O113+1","v":13},14,15,16]
[null,{"$f":"VLOOKUP(D114,$D$114:$S$120,HLOOKUP($B$113,$E$112:$S$113,2,FALSE),FALSE)","v":{"$error":"#N/A"}},null,1,"AST required","Licence required or proof applied","If doesn’t have own residence - refer","ASTs required for all tenants","ASTs required for all tenants","Broker must have credit broking permissions ",null,null,null,"AST required","Licence required or proof applied","If doesn’t have own residence - refer","ASTs required for all tenants","ASTs required for all tenants","Broker must have credit broking permissions "]
[null,{"$f":"VLOOKUP(D115,$D$114:$S$120,HLOOKUP($B$113,$E$112:$S$113,2,FALSE),FALSE)","v":{"$error":"#N/A"}},null,2,"Proof of last month's rent ","Max 8 beds - refer if more","Use 100% profit on SA3402 or accounts cert","If AST is for uni year - average over 12 months ","If over 4 units - refer","No LTD company applications",null,null,null,"EPC must be E or better ","Max 8 beds - refer if more","AVMs accepted","LTD company or personal applications","If over 4 units - refer","No LTD company applications"]
[null,{"$error":"#N/A"},null,3,"Can top up with surplus rental","ASTs required for all tenants","If owned less than a year - use 50% of projection ","Proof of last month's rent ","Full val usually required - AVM on referral","Majority of loan must be for business purposes",null,null,null,"LTD company or personal applications","ASTs required for all tenants","Must be on mutiple letting sites","AVMs accepted ","Full val usually required - AVM on referral","Majority of loan must be for business purposes"]
[null,{"$error":"#N/A"},null,4,"Can top up with personal income","Val based on resi value","AVMs accepted","LTD company or personal applications","Proof of last month's rent ","2nd charge only",null,null,null,null,"Val based on resi value",null,null,"LTD company or personal applications","2nd charge only"]
[null,{"$error":"#N/A"},null,5,"EPC must be E or better ","AVMs accepted","Must be on mutiple letting sites","Can top up with surplus rental","LTD company or personal applications","Minimum loan of 25k",null,null,null,null,"AVMs accepted",null,null,null,"Minimum loan of 25k"]
[null,{"$error":"#N/A"},null,6,"LTD company or personal applications","Proof of last month's rent or deposit ",null,"Can top up with personal income","Can top up with surplus rental","AVMs accepted ",null,null,null,null,"LTD company or personal applications",null,null,null,"AVMs accepted "]
[null,{"$error":"#N/A"},null,7,null,"LTD company or personal applications",null,"AVMs accepted ","Can top up with personal income"]
[null,{"$f":"IF(C4=\"N\",M121,\"\")","v":""},null,8,null,null,null,null,null,null,null,"NI Only","If a cross charge additional fees may apply"]
[]
[null,"Notes",{"$f":"SUM(C127:C135)","v":{"$error":"#N/A"}},"Total Errors"]
[null,"Index","Applies"]
[null,{"$f":"C125","v":0},{"$f":"IF(C18=\"Y\",1,0)","v":0},"HOBL second charge only"]
[null,{"$f":"B125+C126","v":0},{"$f":"IF(C15=\"Y\",1,0)","v":0},"Equitable charge England & Wales only"]
[null,{"$f":"IF($B$126>0,B126,B126+C127)","v":1},{"$f":"IF(AND(C10=\"N\",C128=0),1,0)","v":1},"Complete all inputs"]
[null,{"$f":"IF($B$126>0,B127,B127+C128)","v":1},{"$f":"IF(C13=\"N\",1,0)","v":0},"Delete 1st charge details"]
[null,1,{"$f":"IFERROR(F45,0)","v":0},"LTV exceeds max"]
[null,1,{"$f":"IFERROR(IF(J40=\"Y\",1,0),0)","v":0},"Net loan exceeds max"]
[null,{"$error":"#N/A"},{"$f":"IF(J39=\"Y\",1,0)","v":{"$error":"#N/A"}},"Net loan below min"]
[null,{"$error":"#N/A"},{"$f":"IF(C11=\"N\",1,0)","v":0},"Add 1st charge details"]
[null,{"$error":"#N/A"},{"$f":"IF(J41=\"Y\",1,0)","v":0},"Broker fee too high (max 15% net loan / £10k)"]
[null,{"$error":"#N/A"}]
[null,{"$error":"#N/A"},{"$f":"IF(AND(D76=\"Yes\",C16=\"Y\"),1,0)","v":0},"No Ltd Co on HOBL"]
[]
[]
[]
[null,"ONS Calculation",null,null,null,null,null,"Family Makeup"]
[null,null,"No","Factor","Score",null,null,null,"Adults",{"$f":"'Bridge Quote'!L3","v":"<Select>"},"Y/O"]
[null,"1st adult",1,{"$f":"ONS!C7","v":1},{"$f":"D141*C141","v":1},null,null,null,"No Dep",{"$f":"'Bridge Quote'!L4","v":"<Select>"}]
[null,"Other adult",{"$f":"J140-C141","v":{"$error":"#VALUE!"}},{"$f":"ONS!C8","v":0.7},{"$f":"D142*C142","v":{"$error":"#VALUE!"}},null,null,1,"Dep 1",{"$f":"IF(H142>$J$141,\"\",IF(OR('Bridge Quote'!L5=\"\",'Bridge Quote'!L5=\"<Select>\"),\"M\",'Bridge Quote'!L5))","v":"M"},{"$f":"IF(J142=\"\",\"\",IF(J142>ONS!$C$12,\"O\",\"Y\"))","v":"O"}]
[null,"Older child",{"$f":"COUNTIF($K$142:$K$146,F143)","v":5},{"$f":"ONS!C9","v":0.67},{"$f":"D143*C143","v":3.35},"O",null,2,"Dep 2",{"$f":"IF(H143>$J$141,\"\",IF(OR('Bridge Quote'!L6=\"\",'Bridge Quote'!L6=\"<Select>\"),\"M\",'Bridge Quote'!L6))","v":"M"},{"$f":"IF(J143=\"\",\"\",IF(J143>ONS!$C$12,\"O\",\"Y\"))","v":"O"}]
[null,"Younger child",{"$f":"COUNTIF($K$142:$K$146,F144)","v":0},{"$f":"ONS!C10","v":0.33},{"$f":"D144*C144","v":0},"Y",null,3,"Dep 3",{"$f":"IF(H144>$J$141,\"\",IF(OR('Bridge Quote'!L7=\"\",'Bridge Quote'!L7=\"<Select>\"),\"M\",'Bridge Quote'!L7))","v":"M"},{"$f":"IF(J144=\"\",\"\",IF(J144>ONS!$C$12,\"O\",\"Y\"))","v":"O"}]
[null,"Total",null,null,{"$f":"SUM(E141:E144)","v":{"$error":"#VALUE!"}},null,null,4,"Dep 4",{"$f":"IF(H145>$J$141,\"\",IF(OR('Bridge Quote'!L8=\"\",'Bridge Quote'!L8=\"<Select>\"),\"M\",'Bridge Quote'!L8))","v":"M"},{"$f":"IF(J145=\"\",\"\",IF(J145>ONS!$C$12,\"O\",\"Y\"))","v":"O"}]
[null,null,null,null,null,null,null,5,"Dep 5",{"$f":"IF(H146>$J$141,\"\",IF(OR('Bridge Quote'!L9=\"\",'Bridge Quote'!L9=\"<Select>\"),\"M\",'Bridge Quote'!L9))","v":"M"},{"$f":"IF(J146=\"\",\"\",IF(J146>ONS!$C$12,\"O\",\"Y\"))","v":"O"}]
[null,"Quintile",{"$f":"VLOOKUP(I147,ONS!N7:P11,3,TRUE)","v":{"$error":"#N/A"}},null,null,null,null,"Annual income",{"$f":"'Bridge Quote'!L14","v":"<Complete>"}]
[null,"Model",{"$f":"IF(J141>0,ONS!F9,IF(J140>1,ONS!F8,ONS!F7))","v":"A56"}]
[null,"Lookup",{"$f":"\"Q\"&C147&C148","v":{"$error":"#N/A"}}]
[]
[null,"1st adult cost",{"$f":"HLOOKUP(C149,ONS!C16:U18,3,FALSE)","v":{"$error":"#N/A"}}]
[null,"Family cost",{"$f":"C151*E145","v":{"$error":"#N/A"}}]
[null,"Buffer",{"$f":"ONS!C11","v":150}]
[null,"Total expenditure",{"$f":"ROUND(SUM(C152:C153),2)","v":{"$error":"#N/A"}}]
[]
[]
[]
[]
[]
[]
[null,"Affordability",null,null,"Use Wording",null,null,"Pass Wording",null,null,null,"Fail Wording"]
[null,"Requires Affordability",{"$f":"IF(OR(C8=\"R\",J42=\"Y\"),\"N\",IF(AND(C10=\"Y\",OR('Bridge Quote'!F28<>\"Fits Rent\",C16=\"Y\")),\"Y\",\"N\"))","v":"N"},null,{"$f":"IF($C$167=\"FAIL\",L162,IF($C$167=\"PASS\",H162,IF(C167=\"Rolled\",\"Affordability not required for rolled bridge\",C168)))","v":"Fails rental income - Complete affordability details"},null,null,"This application has passed the affordability",null,null,null,"This application has failed the affordability"]
[null,"Stressed shortfall",{"$f":"'Bridge Quote'!F28","v":""},null,{"$f":"IF($C$167=\"FAIL\",L163,IF($C$167=\"PASS\",H163,\"\"))","v":""},null,null,"decision, and no further documentation is",null,null,null,"decision, as the available income is not"]
[null,"Mortgage buffer",{"$f":"IF('BR Workings'!C16=\"Y\",'Bridge Quote'!C34*'BR Workings'!C71/12,'Bridge Quote'!L17*'BR Workings'!C71/12)","v":{"$error":"#VALUE!"}},null,{"$f":"IF($C$167=\"FAIL\",L164,IF($C$167=\"PASS\",H164,\"\"))","v":""},null,null,"required to support the affordability on this",null,null,null,"sufficient to cover the outgoings detailed, and"]
[null,"Net income",{"$f":"IF('Bridge Quote'!N4=1,0,'Bridge Quote'!L12)+IF('Bridge Quote'!L13=\"<Optional>\",0,'Bridge Quote'!L13)","v":0},null,{"$f":"IF($C$167=\"FAIL\",L165,IF($C$167=\"PASS\",H165,\"\"))","v":""},null,null,"application.",null,null,null,"based upon national averages, still leave "]
[null,"Surplus",{"$f":"IF(C16=\"Y\",C184,D184)","v":{"$error":"#VALUE!"}},null,{"$f":"IF($C$167=\"FAIL\",L166,\"\")","v":""},null,null,null,null,null,null,"sufficient money to cover all other"]
[null,"Outcome",{"$f":"IF(C8=\"R\",\"Rolled\",IF(OR(C175>0,C163=\"Fits Rent\"),\"TBC\",IF(C166>0,\"PASS\",\"FAIL\")))","v":"TBC"},null,{"$f":"IF($C$167=\"FAIL\",L167,\"\")","v":""},null,null,null,null,null,null,"expenditure in a sustainable manner for the"]
[null,"Message",{"$f":"VLOOKUP(1,H172:I174,2,FALSE)","v":"Fails rental income - Complete affordability details"},null,{"$f":"IF($C$167=\"FAIL\",L168,\"\")","v":""},null,null,null,null,null,null,"life of the loan. "]
[]
[null,"Affordability Outstanding",0,null,null,null,null,"Affordability message"]
[null,"Household",{"$f":"C170+IF(OR(J140=0,J140=\"<Select>\",J141=\"<Select>\",J141=\"\",COUNTIF(J142:J146,\"M\")>0),1,0)","v":1},"Complete household size",null,null,null,"Use"]
[null,"Income",{"$f":"C171+IFERROR(IF(OR(C165=0,I147=0),1,0),1)","v":2},"Add household income",null,null,null,{"$f":"IF(C16=\"Y\",1,0)","v":0},"HOBL - Complete affordability details"]
[null,"Mortgage",{"$f":"C172+IF(C16=\"Y\",0,  IF(AND('Bridge Quote'!L18<>\"\",'Bridge Quote'!L18<>\"<Complete>\",'Bridge Quote'!L17<>\"\",'Bridge Quote'!L17<>\"<Complete>\"),0,1))","v":3},"Add mortgage details",null,null,null,{"$f":"IF(C163=\"Fits Rent\",1,0)","v":0},"Fits on rental income"]
[null,"Valid Loan",{"$f":"C173+IF('Bridge Quote'!F10=\"\",1,0)","v":4},"A valid MT loan quote ",null,null,null,{"$f":"IF(SUM(H172:H173)=0,1,0)","v":1},"Fails rental income - Complete affordability details"]
[null,null,{"$f":"C174","v":4}]
[]
[null,"Affordability Calculation","HOBL","Other"]
[null,"Income",{"$f":"'Bridge Quote'!L12+IF('Bridge Quote'!L13=\"<Optional>\",0,'Bridge Quote'!L13)","v":{"$error":"#VALUE!"}},{"$f":"C178","v":{"$error":"#VALUE!"}}]
[null,"Resi Mort / rent",0,{"$f":"'Bridge Quote'!L18","v":"<Complete>"}]
[null,"Total cred commitments",{"$f":"'Bridge Quote'!$L$26","v":0},{"$f":"'Bridge Quote'!$L$26","v":0}]
[null,"Mortgage buffer",{"$f":"$C$164","v":{"$error":"#VALUE!"}},{"$f":"$C$164","v":{"$error":"#VALUE!"}}]
[null,"BTL Loan shortfall",0,{"$f":"'Bridge Quote'!L19","v":""}]
[null,"ONS",{"$f":"$C$154","v":{"$error":"#N/A"}},{"$f":"$C$154","v":{"$error":"#N/A"}}]
[null,"Surplus",{"$f":"C178-SUM(C179:C183)","v":{"$error":"#VALUE!"}},{"$f":"D178-SUM(D179:D183)","v":{"$error":"#VALUE!"}}]
[]
[null,"HyperLinks for non-macro version"]
[null,null,"Header",null,null,"Br Quote",null,null,"Br HOT / Matrix",null,"BTL Quote",null,null,"BTL HOT / Matrix"]
[null,null,"Quote",null,null,"Home",null,null,"Home",null,"Home",null,null,"Home"]
[]
[null,null,"Matrix",null,null,"Heads of Terms",null,null,"Quote",null,"Heads of Terms",null,null,"Quote"]
[]
[null,null,"Quote"]
[]
[null,null,"Matrix"]

{"sheet":"BR Matrix","index":6,"n_rows":23,"n_cols":9,"rows_kept":23,"cut":false,"hidden":false,"merged":[[2,2,2,4],[2,5,2,7],[9,1,9,7],[18,1,18,7]]}
[]
[null,"Bridge Product Matrix"]
[null,"Security","1st charge",null,null,"2nd charge"]
[null,"Charge",1,1,1,2,2,2]
[null,"Status",0,1,2,0,1,2]
[null,"Plan code (charge-status)",{"$f":"C4&\"-\"&C5","v":"1-0"},{"$f":"D4&\"-\"&D5","v":"1-1"},"1-2","2-0","2-1","2-2"]
[null,"Max LTV",0.75,0.75,0.7,0.75,0.75,0.7]
[null,"Min Net",25000,25000,25000,25000,25000,25000]
[null,"Max Net",500000,500000,250000,500000,300000,100000]
["Code","Rates",null,null,null,null,null,null,"Lookup"]
["V","Variable",9.7000000000000003E-3,9.9000000000000008E-3,1.01E-2,9.9000000000000008E-3,1.01E-2,1.03E-2,{"$f":"ROW(H11)-ROW($H$6)+1","v":6}]
["FFT","FFT",9.9000000000000008E-3,1.01E-2,1.03E-2,1.01E-2,1.03E-2,1.0500000000000001E-2,{"$f":"ROW(H12)-ROW($H$6)+1","v":7}]
[]
[]
[]
[]
[]
[]
[null,"Other"]
[null,{"$f":"\"Commission\"&IF(B23<>0,\"*\",\"\")","v":"Commission"},0.02,0.02,0.02,0.02,0.02,0.02]
[null,"NI Max Net",150000,150000,150000,150000,150000,{"$f":"H9","v":100000}]
[null,"HOBL Min Net",null,null,null,25000,"Second Charge only"]
[null,{"$f":"'BR Workings'!F58","v":0},{"$f":"IF(B23<>0,\"* This commission will be reduced by \"&B23*100&\"% to offset the lender fee\",\"\")","v":""}]

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[null,null,null,null,null,null,null,null,null,null,null,null,null,"Broker / Direct",{"$f":"'BR Workings'!C3","v":"B"}]
[null,"Applicant Details",null,null,"Loan Outputs",null,null,"Term Loan Calculator",null,null,"Affordability - Household Size",null,null,"Completed","Inputs","Hist row","Afford inputs"]
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[null,"Is Borrower a Ltd Co?","<Select>",{"$f":"IF(OR(C7=\"\",C7=\"<Select>\",C7=\"<Complete>\"),1,0)","v":1},null,null,null,null,null,3,"","<Select>",null,1,{"$f":"IF(INDIRECT(\"'BTL Quote History'!C\"&P7)=\"\",\"\",INDIRECT(\"'BTL Quote History'!C\"&P7))","v":"<Select>"},35,{"$f":"IF('BTL Quote History'!C41=\"\",0,'BTL Quote History'!C41)","v":"<Select>"}]
[null,null,null,null,"Gross Loan",{"$f":"IF('BTL Workings'!$C$10=\"N\",\"\",'BTL Workings'!F43)","v":""},null,null,null,4,"","<Select>",null,1,null,null,{"$f":"IF('BTL Quote History'!C42=\"\",0,'BTL Quote History'!C42)","v":"<Select>"}]
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[null,"Security Type","<Select>",{"$f":"IF(OR(C10=\"\",C10=\"<Select>\",C10=\"<Complete>\"),1,0)","v":1},"Annual Interest Rate",{"$f":"IFERROR(IF('BTL Workings'!C123>0,\"\",'BTL Workings'!C41),\"\")","v":""},null,null,null,null,null,null,null,null,{"$f":"IF(INDIRECT(\"'BTL Quote History'!C\"&P10)=\"\",0,INDIRECT(\"'BTL Quote History'!C\"&P10))","v":"<Select>"},9]
[null,"Product Type","<Select>",1,"Monthly Payment",{"$f":"IFERROR(IF('BTL Workings'!C123>0,\"\",'BTL Workings'!F46),\"\")","v":""},null,"Broker Income",null,null,"Affordability - Monthly Income",null,null,null,"<Select>",10]
[null,"Repayment Type","<Select>",1,null,null,null,"Commission Rate",{"$f":"IFERROR(HLOOKUP('BTL Workings'!C39,'BTL Matrix'!C6:H20,15,FALSE)-'BTL Workings'!F58,\"\")","v":""},null,"Applicant 1","<Complete>","Add the Applicant(s) GUARANTEED income on a 'NET' monthly basis.",{"$f":"IF(OR(L12=\"\",L12=\"<Select>\",L12=\"<Complete>\"),1,0)","v":1},"<Select>",11,{"$f":"IF('BTL Quote History'!C44=\"\",0,'BTL Quote History'!C44)","v":"<Complete>"}]
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[null,"Rate Type","<Select>",1,"Follow on Payment",{"$f":"IFERROR(IF('BTL Workings'!C123>0,\"\",'BTL Workings'!F48),\"\")","v":""},null,"Broker Fee",{"$f":"IF('BTL Workings'!C10=\"N\",\"\",IF(C18=\"<Optional>\",0,C18))","v":""},null,"GROSS ANNUAL Income","<Complete>","Add the gross annual income for the entire household",1,"<Select>",13,{"$f":"IF('BTL Quote History'!C46=\"\",0,'BTL Quote History'!C46)","v":"<Complete>"}]
[null,"Term (months)","<Complete>",1,"Approx Legal Fee *",{"$f":"IF('BTL Workings'!C10=\"N\",\"\",'BTL Workings'!C75)","v":""},null,"Total Income",{"$f":"IFERROR(I14+I13,\"\")","v":""},null,null,null,null,null,"<Complete>",14]
[null,null,{"$f":"IF(C10=\"HO Business Loan\",\"             Not Applicable                               Packaged\",\"             First Time Landlord                     Packaged\")","v":"             First Time Landlord                     Packaged"},null,"Approx Valuation Fee **",{"$f":"IF(C23=\"\",\"\",'BTL Workings'!C84)","v":"Add Val"},null,null,null,null,"Affordability - Expenditure"]
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[null,"Broker Fee","<Optional>",null,null,null,null,{"$f":"IFERROR(IF('BTL Workings'!B114=0,\"\",'BTL Workings'!B114),\"\")","v":""},null,null,"Resi Mort/Rent Pmt","<Complete>",null,1,{"$f":"IF(INDIRECT(\"'BTL Quote History'!C\"&P18)=\"\",0,INDIRECT(\"'BTL Quote History'!C\"&P18))","v":"<Optional>"},16,{"$f":"IF('BTL Quote History'!C48=\"\",0,'BTL Quote History'!C48)","v":"<Complete>"}]
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[null,{"$f":"\"Title Insurance\"&IF(C20=0,\" (NA)\",\"\")","v":"Title Insurance"},{"$f":"IF(C17=\"\",\"\",IFERROR('BTL Workings'!C66,\"\"))","v":""},null,null,null,null,{"$f":"IFERROR(IF('BTL Workings'!B116=0,\"\",'BTL Workings'!B116),\"\")","v":""}]
[null,null,null,null,null,null,null,{"$f":"IFERROR(IF('BTL Workings'!B117=0,\"\",'BTL Workings'!B117),\"\")","v":""},null,null,"Affordability - Remaining Commitments"]
[null,"Property Details",null,null,"Rental Calculations (Stressed where app)",null,null,{"$f":"IFERROR(IF('BTL Workings'!B118=0,\"\",'BTL Workings'!B118),\"\")","v":""},null,null,"Credit Cards","<Optional>","3% of balance",null,null,null,{"$f":"IF('BTL Quote History'!C49=\"\",0,'BTL Quote History'!C49)","v":"<Optional>"}]
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[null,"Location","<Select>",1,{"$f":"\"MT CMI\"&IF('BTL Workings'!K45=\"Y\",\" (Stressed)\",\"\")","v":"MT CMI"},{"$f":"IF('BTL Workings'!C10=\"N\",\"\",'BTL Workings'!K46)","v":""},null,{"$f":"IFERROR(IF('BTL Workings'!B120=0,\"\",'BTL Workings'!B120),\"\")","v":""},null,null,"School Fees/Childcare/Other","<Optional>",null,null,{"$f":"IF(INDIRECT(\"'BTL Quote History'!C\"&P24)=\"\",0,INDIRECT(\"'BTL Quote History'!C\"&P24))","v":"<Select>"},19,{"$f":"IF('BTL Quote History'!C51=\"\",0,'BTL Quote History'!C51)","v":"<Optional>"}]
[null,"Type","<Select>",1,{"$f":"\"1st Charge\" &IF('BTL Workings'!K48=\"Y\",\" (Stressed)\",\"\")","v":"1st Charge (Stressed)"},{"$f":"IF('BTL Workings'!C10=\"N\",\"\",'BTL Workings'!K49)","v":""},null,{"$f":"IFERROR(IF('BTL Workings'!B121=0,\"\",'BTL Workings'!B121),\"\")","v":""},null,null,{"$f":"IF('BTL Workings'!C16=\"Y\",\"Resi and new pmt\",\"\")","v":""},{"$f":"IFERROR(IF('BTL Workings'!C16=\"Y\",F24+C35,0),\"\")","v":0},null,null,{"$f":"IF(INDIRECT(\"'BTL Quote History'!C\"&P25)=\"\",0,INDIRECT(\"'BTL Quote History'!C\"&P25))","v":"<Select>"},20]
[null,"Rental Income","<Complete>",{"$f":"IF(AND('BTL Workings'!C16=\"N\",OR(C26=\"\",C26=\"<Select>\",C26=\"<Complete>\")),1,0)","v":1},{"$f":"\"Tot Secured CMIs\"& IF(OR('BTL Workings'!K45=\"Y\",'BTL Workings'!K48=\"Y\"),\" (Stressed)\",\"\")","v":"Tot Secured CMIs (Stressed)"},{"$f":"IFERROR(F24+F25,\"\")","v":""},null,{"$f":"'BTL Workings'!M63","v":"Title Insurance is available"},null,null,"Total Credit Commitments",{"$f":"SUM(L22:L25)","v":0},null,null,{"$f":"IF(INDIRECT(\"'BTL Quote History'!C\"&P26)=\"\",0,INDIRECT(\"'BTL Quote History'!C\"&P26))","v":"<Complete>"},21]
[null,"Additional Rental Surplus","<Optional>",null,{"$f":"\"DSCR\"& IF(OR('BTL Workings'!K45=\"Y\",'BTL Workings'!K48=\"Y\"),\" (Stressed)\",\"\")","v":"DSCR (Stressed)"},{"$f":"IFERROR(ROUNDDOWN(SUM((C26+IF(C27=\"<Optional>\",0,C27))/(F26)),4),\"\")","v":""},null,null,null,null,null,null,null,null,{"$f":"IF(INDIRECT(\"'BTL Quote History'!C\"&P27)=\"\",0,INDIRECT(\"'BTL Quote History'!C\"&P27))","v":"<Optional>"},22]
[null,"Is Property Leasehold?","<Complete>",{"$f":"IF(OR(C28=\"\",C28=\"<Select>\",C28=\"<Complete>\"),1,0)","v":1},{"$f":"\"Rent Shortfall\"& IF(OR('BTL Workings'!K45=\"Y\",'BTL Workings'!K48=\"Y\"),\" (Stressed)\",\"\")","v":"Rent Shortfall (Stressed)"},{"$f":"IF(OR('BTL Workings'!C10=\"N\",'BTL Workings'!C16=\"Y\"),\"\",IF(F24-F23<=0,\"Fits Rent\",(F24-F23)*'BTL Workings'!C70))","v":""},null,"Notes",null,null,{"$f":"IF('BTL Workings'!C175>0,\"Affordability - Outstanding\",\"Affordability - Decision\")","v":"Affordability - Outstanding"},null,null,null,{"$f":"IF(INDIRECT(\"'BTL Quote History'!C\"&P28)=\"\",\"\",INDIRECT(\"'BTL Quote History'!C\"&P28))","v":"<Complete>"},36]
[null,null,null,null,null,null,1,{"$f":"IFERROR(VLOOKUP(G29,'BTL Workings'!$B$125:$D$137,3,FALSE),'BTL Workings'!E162)","v":"Complete all inputs"},null,{"$f":"IF('BTL Workings'!C175=0,\"\",1)","v":1},{"$f":"IF('BTL Workings'!C175>0,IFERROR(VLOOKUP(J29,'BTL Workings'!$C$171:$D$174,2,FALSE),\"\"),\"Total Outgoings\")","v":"Complete household size"},{"$f":"IF('BTL Workings'!C175>0,\"\",IFERROR(IF('BTL Workings'!C16=\"Y\",L26,L18+L19+L26),\"\"))","v":""}]
[null,{"$f":"\"First Charge Details\"&IF('BTL Workings'!C6=2,\"\",\" (not applicable)\")","v":"First Charge Details (not applicable)"},null,{"$f":"SUM(D31:D35)","v":0},"Maximum Loan Calculator",null,2,{"$f":"IFERROR(VLOOKUP(G30,'BTL Workings'!$B$125:$D$137,3,FALSE),'BTL Workings'!E163)","v":""},null,{"$f":"IF(OR(J29='BTL Workings'!$C$175,J29=\"\"),\"\",J29+1)","v":2},{"$f":"IF('BTL Workings'!C175>0,IFERROR(VLOOKUP(J30,'BTL Workings'!$C$171:$D$174,2,FALSE),\"\"),\"Total Net Income\")","v":"Add household income"},{"$f":"IF('BTL Workings'!C175>0,\"\",L12+IF(L13=\"<Optional>\",0,L13))","v":""}]
[null,"Repayment Type","<Select>",{"$f":"IF(OR(C31=\"\",C31=\"<Select>\",C31=\"<Complete>\"),0,1)","v":0},"Max LTV Available",{"$f":"IFERROR('BTL Workings'!D36,\"\")","v":""},3,{"$f":"IFERROR(VLOOKUP(G31,'BTL Workings'!$B$125:$D$137,3,FALSE),'BTL Workings'!E164)","v":""},null,{"$f":"IF(OR(J30='BTL Workings'!$C$175,J30=\"\"),\"\",J30+1)","v":3},{"$f":"IF('BTL Workings'!C175>0,IFERROR(VLOOKUP(J31,'BTL Workings'!$C$171:$D$174,2,FALSE),\"\"),\"Outcome\")","v":"Add mortgage payment"},{"$f":"IF('BTL Workings'!C175>0,\"\",'BTL Workings'!C167)","v":""},null,null,{"$f":"IF(INDIRECT(\"'BTL Quote History'!C\"&P31)=\"\",\"\",INDIRECT(\"'BTL Quote History'!C\"&P31))","v":"<Select>"},23]
[null,"Rate Type (remaining fix)","<Select>",{"$f":"IF(OR(C32=\"\",C32=\"<Select>\",C32=\"<Complete>\"),0,1)","v":0},"Max Lending (net)",{"$f":"IFERROR(IF('BTL Workings'!C3=\"B\",'BTL Workings'!C109,'BTL Workings'!J109),\"\")","v":""},4,{"$f":"IFERROR(VLOOKUP(G32,'BTL Workings'!$B$125:$D$137,3,FALSE),'BTL Workings'!E165)","v":""},null,{"$f":"IF(OR(J31='BTL Workings'!$C$175,J31=\"\"),\"\",J31+1)","v":4},{"$f":"IF('BTL Workings'!C175>0,IFERROR(VLOOKUP(J32,'BTL Workings'!$C$171:$D$174,2,FALSE),\"\"),\"\")","v":"A valid MT loan quote "},null,null,null,{"$f":"IF(INDIRECT(\"'BTL Quote History'!C\"&P32)=\"\",\"\",INDIRECT(\"'BTL Quote History'!C\"&P32))","v":"<Select>"},24]
[null,"Remaining Term (m)","<Complete>",0,"Max LTV Due To:",null,5,{"$f":"IFERROR(VLOOKUP(G33,'BTL Workings'!$B$125:$D$137,3,FALSE),'BTL Workings'!E166)","v":""},null,null,null,null,null,null,{"$f":"IF(INDIRECT(\"'BTL Quote History'!C\"&P33)=\"\",\"\",INDIRECT(\"'BTL Quote History'!C\"&P33))","v":"<Complete>"},25]
[null,"Balance","<Complete>",0,{"$f":"IFERROR('BTL Workings'!F36,\"\")","v":""},null,6,{"$f":"IFERROR(VLOOKUP(G34,'BTL Workings'!$B$125:$D$137,3,FALSE),'BTL Workings'!E167)","v":""},null,null,null,null,null,null,{"$f":"IF(INDIRECT(\"'BTL Quote History'!C\"&P34)=\"\",\"\",INDIRECT(\"'BTL Quote History'!C\"&P34))","v":"<Complete>"},26]
[null,"Monthly Payment","<Complete>",0,null,null,7,{"$f":"IFERROR(VLOOKUP(G35,'BTL Workings'!$B$125:$D$137,3,FALSE),'BTL Workings'!E168)","v":""},null,null,null,null,null,null,{"$f":"IF(INDIRECT(\"'BTL Quote History'!C\"&P35)=\"\",\"\",INDIRECT(\"'BTL Quote History'!C\"&P35))","v":"<Complete>"},27]
[null,null,null,null,null,null,null,{"$f":"IF('BTL Workings'!C3=\"D\",VLOOKUP(1,'BTL Workings'!M58:S61,7,FALSE),\"\")","v":""}]
[]
[null,"Tick boxes",false]
[null,"1st time LL",false,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(INDIRECT(\"'BTL Quote History'!C\"&P39)=\"\",0,INDIRECT(\"'BTL Quote History'!C\"&P39))","v":false},29]
[null,"Packaged",false,null,null,null,null,null,null,null,null,null,null,null,false,30]
[null,"B fee UF",false,null,null,null,null,null,null,null,null,null,null,null,false,31]
[null,"L fee UF",false,null,null,null,null,null,null,null,null,null,null,null,false,32]
[null,"Add TI",false,null,null,null,null,null,null,null,null,null,null,null,false,33]
[null,"Del Max",false,null,null,null,null,null,null,null,null,null,null,null,false,34]
[null,"Rate Switch",false,null,null,null,null,null,null,null,null,null,null,null,false,64]

{"sheet":"BTL Heads of Terms","index":8,"n_rows":93,"n_cols":7,"rows_kept":93,"cut":false,"hidden":false,"merged":[[88,1,88,2],[92,1,92,2],[89,1,89,2],[90,1,90,2],[91,1,91,2],[87,1,87,2],[81,1,81,2],[72,1,72,2],[73,1,73,2],[74,1,74,2],[75,1,75,2],[76,1,76,2],[77,1,77,2],[78,1,78,2],[82,1,82,2],[83,1,83,2],[84,1,84,2],[85,1,85,2],[86,1,86,2],[57,1,57,2],[58,1,58,2],[59,1,59,2],[79,1,79,2],[80,1,80,2],[63,1,63,2],[64,1,64,2],[65,1,65,2],[66,1,66,2],[68,1,68,2],[69,1,69,2],[70,1,70,2],[71,1,71,2],[60,1,60,2],[61,1,61,2],[62,1,62,2],[55,1,55,2],[56,1,56,2],[33,1,33,2],[7,1,7,2],[9,1,9,2],[53,1,53,2],[12,1,12,2],[13,1,14,1],[13,2,14,2],[16,1,17,1],[16,2,17,2],[19,1,19,2],[32,1,32,2]]}
[]
[]
[null,{"$f":"\"Date: \"","v":"Date: "}]
[null,{"$f":"INDIRECT(\"'BTL Quote History'!e3\")","v":"00:00:00"}]
[]
[null,"Introducer Name:"]
[]
[null,"Heads of Terms"]
[]
[null,"Thank you for your enquiry.  We are pleased to confirm that based on the information provided to us, the application is acceptable in principle and this outlines the facility that we may be able to provide together with some of the terms and conditions that will apply."]
[]
[null,"Applicant Name:  ",{"$f":"IF('BTL Quote'!C3=\"\",\"\",'BTL Quote'!C3)","v":"<Complete>"},null,null,"Change",{"$f":"INDIRECT(\"'BTL Quote History'!d4\")","v":"N"}]
[null,"If the application is being made by a Limited Company, please note that all directors/shareholders in the business will need to provide a personal guarantee. Also a debenture over the property."]
[null,"Security Address:",{"$f":"IF('BTL Quote'!C5=\"\",\"Not Stated\",'BTL Quote'!C5)","v":"<Complete>"}]
[]
[null,"Advised Estimated Valuation of:",{"$f":"'BTL Quote'!C23","v":"<Complete>"}]
[null,"Other Security Address: "]
[]
[null,"Advised Estimated Valuation of:","£"]
[]
[null,"Product:",{"$f":"'BTL Workings'!C49","v":"<Select> - <Select> - <Select> - <Select> - <Select>"}]
[null,"Loan Term:",{"$f":"'BTL Quote'!C15 & \" months \"","v":"<Complete> months "}]
[null,"Annual Interest Rate:",{"$f":"IFERROR('BTL Workings'!C41*100& \"%\",\"\")&IF('BTL Workings'!C46=\"FFT\",\" - fixed for the term of the loan\",IF('BTL Workings'!C45>0,\" - fixed for \"&'BTL Workings'!C45&\" months\",\" - variable\"))","v":{"$error":"#N/A"}}]
[null,"Net Loan:",{"$f":"'BTL Quote'!F3","v":""}]
[null,{"$f":"\"Lender Fee - \"&IF('BTL Quote'!C42=FALSE,\" added to the loan:\",\" payable up front:\")","v":"Lender Fee -  added to the loan:"},{"$f":"'BTL Quote'!F4","v":""}]
[null,{"$f":"\"Broker Fee - \"&IF('BTL Quote'!C41=FALSE,\" added to the loan:\",\" payable up front:\")","v":"Broker Fee -  added to the loan:"},{"$f":"'BTL Quote'!F6","v":""}]
[null,{"$f":"IF('BTL Workings'!C66=0,\"Title Insurance (not available)\",\"Title Insurance\" &IF('BTL Quote'!C43=FALSE,\" (not taken)\",IF('BTL Quote'!C42=FALSE,\" - added to the loan:\",\" - payable up front:\")))","v":{"$error":"#N/A"}},{"$f":"IF(B27=\"\",\"\",'BTL Quote'!F5)","v":{"$error":"#N/A"}}]
[null,"Gross Loan: ",{"$f":"'BTL Quote'!F8","v":""}]
[null,"Where detailed below, fees are included in the gross loan amount and will be deducted from the advance on completion"]
[null,"Repayment Method:  ",{"$f":"IF('BTL Quote'!C12=\"\",\"\",'BTL Quote'!C12)","v":"<Select>"}]
[null,"Monthly Repayment:",{"$f":"'BTL Quote'!F11","v":""}]
[null,null,"(Payable by Direct Debit)"]
[null,{"$f":"IFERROR(IF('BTL Workings'!C45=0,\"\",\"At the end of your fixed rate period the interest rate will become variable. Based on the current variable rate the interest rate will be \"&'BTL Quote'!F13*100&\"% and the monthly payment will be £\"&TEXT('BTL Quote'!F14,\"#,##0.00\")),\"\")","v":""}]
[]
[null,"Early Repayment Charge: ",{"$f":"IFERROR(VLOOKUP('BTL Quote'!C14,'BTL Drop Downs'!H4:K12,4,FALSE),\"\")","v":""}]
[null,"Discharge Fee: ",245]
[]
[]
[null,"Fees (if added to the loan these will be deducted from the gross loan amount on completion):"]
[]
[null,"Broker Fee:",{"$f":"'BTL Quote'!F6","v":""}]
[null,{"$f":"IF(C41=0,\"Not applicable\",IF('BTL Workings'!C22=FALSE,\"You have asked for this fee to be added to your loan, it will therefore be interest bearing. This will be deducted from the gross loan on completion and paid to your Broker.\", \"You have chosen to pay your Broker this fee up front.\"))","v":"You have asked for this fee to be added to your loan, it will therefore be interest bearing. This will be deducted from the gross loan on completion and paid to your Broker."}]
[null,"Lender Fee:",{"$f":"'BTL Quote'!F4","v":""}]
[null,{"$f":"IF('BTL Workings'!C23=FALSE,\"You have asked for this fee to be added to your loan, it will therefore be interest bearing. This will be deducted from the gross loan on completion.\", \"You have chosen to pay this fee up front. This must be paid to us before the loan completes.\")","v":"You have asked for this fee to be added to your loan, it will therefore be interest bearing. This will be deducted from the gross loan on completion."}]
[null,{"$f":"IF(B27=\"\",\"\",\"Title Insurance:\")","v":{"$error":"#N/A"}},{"$f":"IF(B45=\"\",\"\",'BTL Quote'!F5)","v":{"$error":"#N/A"}}]
[null,{"$f":"IF('BTL Workings'!C66=0,\"Not available on this plan\",IF('BTL Workings'!C24=FALSE,\"Opted out\",IF('BTL Workings'!C23=FALSE,\"You have asked for this fee to be added to your loan, it will therefore be interest bearing. This will be deducted from the gross loan on completion.\", \"You have chosen to pay this fee up front. This must be paid to us before the loan completes.\")))","v":{"$error":"#N/A"}}]
[null,"Valuation Fee, only payable if does not pass AVM: (not included in gross loan)",{"$f":"'BTL Quote'!F16","v":"Add Val"}]
[null,"Including VAT.  Paid directly to the valuer. Based on the estimated property value."]
[null,"Legal Fee:",{"$f":"'BTL Quote'!F15","v":""}]
[null,{"$f":"IF('BTL Workings'!C6=1,\"Including VAT.  This fee is for 1st charges Only. Prior to commencement of legal due diligence, the borrowers solicitor\"&\" will be required to provide our solicitor with an undertaking to pay its accrued legal fees in full, whether or not the loan completes. This fee may change once solicitors are instructed and work has begun.\",\"\")","v":"Including VAT.  This fee is for 1st charges Only. Prior to commencement of legal due diligence, the borrowers solicitor will be required to provide our solicitor with an undertaking to pay its accrued legal fees in full, whether or not the loan completes. This fee may change once solicitors are instructed and work has begun."}]
[null,"Commission:",{"$f":"'BTL Quote'!I13","v":""}]
[null,"This is the amount we will pay to your broker upon completion. This does not form part of the loan agreement"]
[]
[null,"These Heads of Terms are valid for 14 days from the date of issue"]
[]
[null,"Please note that interest on your loan will be charged on a daily rate based on the actual number of days in any month.  As the number of days in a month differ from month to month, we have assumed that there are 30.4 days (365 days/12) in each month for the purpose of this illustration.  This means the actual interest charged (and therefore your final repayment instalment) may be higher than illustrated. "]
[null,"This is not a formal loan offer.  These figures are based on un-verified information that has been provided to us.  Mercantile Trust Ltd will only be able to provide the applicant with a formal loan offer when we are in receipt of and satisfied with the following requirements:"]
[]
[null,"·         Fully completed and signed application pack."]
[null,"·         Proof of 6 months' mortgage or rent history (if not on the credit search)."]
[null,"·         Proof of last month's rent received"]
[null,"·         NIVO ID verification."]
[null,"·         Proof of address for last 3 years "]
[null,"·         Valuation required - Full / Drive by / AVM (depending on criteria)"]
[null,"·         If the property is currently rented;"]
[null,"o  A copy of the most recent Energy Performance Certificate rated E or above."]
[null,"o    Copy of current tenancy agreement(s)."]
[]
[null,"·      Copy of building insurance schedule with Mercantile Trust Ltd’s interest noted for 1st charges– Reinstatement value required. "]
[null,"All documentation to be emailed to referrals@mercantiletrust.co.uk"]
[]
[null,"Please note the following will be conducted by Mercantile Trust Ltd:"]
[]
[null,"·         Pre-Completion call to be completed with all applicants "]
[null,"·         Equifax credit search to be conducted on all properties"]
[]
[null,"Valuation: where the applicant is ready to proceed the valuation can be instructed via:"]
[]
[null,"Pure Panel Management: 0191 214 2459 - residential properties only"]
[null,"VAS Panel Management:  01642 262 217 - refurbishment, residential & commercial properties"]
[]
[null,"Solicitors: Mercantile Trust Ltd will instruct solicitors when our underwriting criteria has been satisfied."]
[]
[null,"Mercantile Trust Ltd is unable to lend where this mortgage would become a regulated mortgage contract under current FCA rules.  "]
[]
[null,"Property Type: Mercantile Trust Ltd will consider loans on all types of residential properties although certain properties may have LTV restrictions imposed. Please refer to our current matrix. The property types outlined below are ineligible for our product range."]
[null,"·         A property that is non-traditional and not suitable to the area "]
[null,"·         Grade I or II* (star) listed properties."]
[null,"·         Shared ownership/Housing Association properties"]
[null,"·         Properties valued at less than £75,000"]
[null,"·        Maximum LTVs apply for the following:   Freehold Flats max LTV 65%, Ex Local Authority flats/maisonettes under £150k max LTV 65%, \n       Properties over £1.5m max LTV 65%, Properties over £1m max LTV 70%."]
[null,"·         Properties where potential environmental damage exists"]
[null,"·         Leasehold properties with less than 50 years remaining "]

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["Highlighted are lookups from dropdowns"]
[null,"Purpose","Security Type","Status","Plan status","Product Type","Charge","Rate Type","Fix Term(m)","Fix Code","ERC","Repayment","1st Rate Type","Y/N","Dependants","Dependant Age"]
[null,"<Select>","<Select>","<Select>",null,"<Select>",null,"<Select>",null,null,null,"<Select>","<Select>","<Select>","<Select>","<Select>"]
[null,"Purchase","BTL","0 Status",0,"Second Charge",2,"Variable",0,"V","None","I/Only","Variable","Yes",0,0]
[null,"Refurbishment","HMO","1 Status",1,{"$f":"IF('BTL Workings'!C16=\"Y\",\"\",\"First Charge Purchase\")","v":"First Charge Purchase"},1,"2 Yr Fixed",24,2,"Year 1; 2%. Year 2; 1%","Repayment","Fixed < 5Yr","No",1,1]
[null,"Consolidation","Holiday Let","2 Status",2,{"$f":"IF('BTL Workings'!C16=\"Y\",\"\",\"First Charge Refinance\")","v":"First Charge Refinance"},1,"3 Yr Fixed",36,3,"Year 1; 3%. Year 2; 2%. Year 3; 1%",null,"Fixed => 5Yr",null,2,2]
[null,"Business","Student Let",null,null,{"$f":"IF('BTL Workings'!C16=\"Y\",\"\",\"First Charge Unencumbered\")","v":"First Charge Unencumbered"},1,"5 Yr Fixed",60,5,"Year 1 - 5%, Year 2 - 4%, Year 3 - 3%, Year 4 - 2%, Year 5 - 1%",null,null,null,3,3]
[null,"Lease extension","MUFB",null,null,null,null,"5 Yr Fixed (No ERC)",60,"5N","None",null,null,null,4,4]
[null,"Other",{"$f":"IF('BTL Workings'!D76=\"Yes\",\"\",\"HO Business Loan\")","v":"HO Business Loan"},null,null,null,null,null,null,null,null,null,null,null,5,5]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,8]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,12]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,13]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,15]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,16]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,17]
[]
[null,null,null,null,null,null,null,"2 Yr Fixed (No ERC)",24,"2N","None"]

{"sheet":"BTL Workings","index":10,"n_rows":184,"n_cols":19,"rows_kept":184,"cut":false,"hidden":true,"merged":[[58,5,60,5]]}
[]
[null,"Inputs",null,null,null,null,"Publishing Calculator"]
[null,"Broker / Direct","B"]
[null,"Location",{"$f":"LEFT('BTL Quote'!C24)","v":"<"}]
[null,"Purchase",{"$f":"IF(ISERROR(FIND(\"Purchase\",'BTL Quote'!C11)),\"N\",\"Y\")","v":"N"}]
[null,"Charge",{"$f":"IFERROR(VLOOKUP('BTL Quote'!C11,'BTL Drop Downs'!F4:G11,2,FALSE),1)","v":1}]
[null,"Status",{"$f":"VLOOKUP('BTL Quote'!C13,'BTL Drop Downs'!D4:E10,2,FALSE)","v":{"$error":"#N/A"}},null,null,null,null,null,null,"After publishing non-macro ensure you save-as type"]
[null,"Repayment basis",{"$f":"LEFT('BTL Quote'!C12)","v":"<"},null,null,null,null,null,null,"Excel workbook (NOT macro-enabled)"]
[null,"Term",{"$f":"'BTL Quote'!C15","v":"<Complete>"}]
[null,"Inputs Complete",{"$f":"IF(OR(C18=\"Y\",C11=\"N\",C13=\"N\",C12=\"N\",'BTL Quote'!D17=1,SUM('BTL Quote'!D23:D28)>0),\"N\",\"Y\")","v":"N"}]
[null,"1st Charge comp",{"$f":"IF(AND(C6=2,'BTL Quote'!D30<>5),\"N\",\"Y\")","v":"Y"},"if needed"]
[null,"Plan Type Complete",{"$f":"IF(SUM('BTL Quote'!D10:D15)>0,\"N\",\"Y\")","v":"N"}]
[null,"1st Charge deleted",{"$f":"IF(AND(C6=1,'BTL Quote'!D30<>0),\"N\",\"Y\")","v":"Y"},"if is a 1st charge and prev mortgage details still there"]
[]
[]
[null,"Is HOBL",{"$f":"IF('BTL Quote'!C10=\"HO Business Loan\",\"Y\",\"N\")","v":"N"}]
[null,"HOBL Min Loan",{"$f":"'BTL Matrix'!F22","v":25000}]
[null,"HOBL error",{"$f":"IF(AND(C16=\"Y\",C6=1),\"Y\",\"N\")","v":"N"},"Second charge only"]
[null,"Tick boxes"]
[null,"1st time LL",{"$f":"'BTL Quote'!C39","v":false}]
[null,"Packaged",{"$f":"'BTL Quote'!C40","v":false}]
[null,"B fee UF",{"$f":"'BTL Quote'!C41","v":false}]
[null,"L fee UF",{"$f":"'BTL Quote'!C42","v":false}]
[null,"Add TI",{"$f":"'BTL Quote'!C43","v":false}]
[null,"Del Max",{"$f":"'BTL Quote'!C44","v":false},10000000]
[null,"Rate Switch",{"$f":"'BTL Quote'!C45","v":false}]
[null,"Max LTVs"]
[null,null,null,null,"Max LTV index","Reason",null,null,"Value"]
[null,"LTV Restrictions","This App","LTV",0,null,"Prop Type","LTV",0,150000,"Country","LTV","Prop Value","LTV","1st time LL"]
[null,"Plan",{"$f":"C39","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(C30,'BTL Matrix'!C6:H21,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"E29+IF(D30=$D$36,1,0)","v":{"$error":"#N/A"}},"Plan max","Ex C'cil Flat / Mais",{"$f":"IF(C33>=J29,J30,I30)","v":1},0.65,1,"England",1,0,1,true,0.65]
[null,"Country",{"$f":"'BTL Quote'!C24","v":"<Select>"},{"$f":"VLOOKUP(C31,K30:L33,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"E30+IF(D31=$D$36,1,0)","v":{"$error":"#N/A"}},"Property in NI","Freehold Flat",0.65,null,null,"Wales",1,1000001,0.7,false,1]
[null,"Prop Type",{"$f":"'BTL Quote'!C25","v":"<Select>"},{"$f":"VLOOKUP(C32,G30:H34,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"E31+IF(D32=$D$36,1,0)","v":{"$error":"#N/A"}},"Property type","All other properties",1,null,null,"Scotland",1,1500001,0.65]
[null,"Prop Value",{"$f":"'BTL Quote'!C23","v":"<Complete>"},{"$f":"VLOOKUP(C33,M30:N32,2,TRUE)","v":{"$error":"#N/A"}},{"$f":"E32+IF(D33=$D$36,1,0)","v":{"$error":"#N/A"}},"Property value",null,null,null,null,"Northern Ireland",1]
[null,"1st time LL",{"$f":"IF(C16=\"Y\",FALSE,'BTL Workings'!C20)","v":false},{"$f":"VLOOKUP(C34,O30:P31,2,FALSE)","v":1},{"$f":"E33+IF(D34=$D$36,1,0)","v":{"$error":"#N/A"}},"First time landlord"]
[]
[null,"Max LTV this Plan",null,{"$f":"MIN(D30:D34)","v":{"$error":"#N/A"}},"Final Reason",{"$f":"VLOOKUP(1,E30:F34,2,FALSE)&IF(E34>1,\"; \"&VLOOKUP(2,E30:F34,2,FALSE)&IF(E34>2,\"; \"&VLOOKUP(3,E30:F34,2,FALSE)&IF(E34>3,\"; \"&VLOOKUP(4,E30:F34,2,FALSE),\"\"),\"\"),\"\")","v":{"$error":"#N/A"}}]
[]
[null,"This Plan",null,null,null,null,null,null,"Amount Errors"]
[null,"Plan Code",{"$f":"C6&\"-\"&C7","v":{"$error":"#N/A"}},null,"Net",{"$f":"IF('BTL Quote'!D17=1,0,'BTL Quote'!C17)","v":0},"Included",null,"Net under min",{"$f":"IFERROR(IF(AND(F39<C43,F39<>0),\"Y\",\"N\"),\"\")","v":""}]
[null,"Fix Code",{"$f":"VLOOKUP('BTL Quote'!C14,'BTL Drop Downs'!H4:J12,3,FALSE)","v":{"$error":"#N/A"}},null,"Broker fee",{"$f":"IF(C3=\"D\",0,IF('BTL Quote'!C18=\"<Optional>\",0,'BTL Quote'!C18))","v":0},{"$f":"IF(C22=TRUE,0,F40)","v":0},null,"Net over max",{"$f":"IFERROR(IF(F39>C44,\"Y\",\"N\"),\"\")","v":""}]
[null,"Plan Rate",{"$f":"HLOOKUP(C39,'BTL Matrix'!C6:H21,VLOOKUP(C40,'BTL Matrix'!A11:I24,9,FALSE),FALSE)","v":{"$error":"#N/A"}},null,"Lender Fee",{"$f":"'BTL Quote'!F4","v":""},{"$f":"IF(C23=TRUE,0,F41)","v":""},null,"Broker fee high",{"$f":"IFERROR(IF(OR(F40>K41,F40>(F39*L41)),\"Y\",\"N\"),\"\")","v":"N"},10000,0.15]
[null,"Follow on rate",{"$f":"IF(OR(C46=\"FFT\",C46=\"VR\"),\"NA\",HLOOKUP(C39,'BTL Matrix'!C6:H21,6,FALSE))","v":{"$error":"#N/A"}},null,"Title Insurance",{"$f":"C64","v":0},{"$f":"IF(C23=TRUE,0,F42)","v":0},null,"Any Error",{"$f":"IF(COUNTIF(J39:J41,\"Y\")>0,\"Y\",\"N\")","v":"N"}]
[null,"Min Loan",{"$f":"IF(C25=TRUE,0,IF(C16=\"Y\",C17,HLOOKUP(C39,'BTL Matrix'!C6:H9,3,FALSE)))","v":{"$error":"#N/A"}},null,"Gross",{"$f":"SUM(F39,G40:G42)","v":0}]
[null,"Max Loan",{"$f":"IF(C25=TRUE,D25,C55)","v":{"$error":"#N/A"}},null,"LTV",{"$f":"ROUNDUP((F43+IF('BTL Quote'!D34=0,0,'BTL Quote'!C34))/C33,4)","v":{"$error":"#VALUE!"}},null,null,"Stress on CT payment"]
[null,"Fix term",{"$f":"VLOOKUP('BTL Quote'!C14,'BTL Drop Downs'!H4:I12,2,FALSE)","v":{"$error":"#N/A"}},null,"Over Max LTV",{"$f":"IF(F44>D36,1,0)","v":{"$error":"#VALUE!"}},"Stressed",null,"Stress applicable",null,{"$f":"IFERROR(IF(C45>=60,\"N\",\"Y\"),\"N\")","v":"N"}]
[null,"Fix exceeds term",{"$f":"IFERROR(IF(C45=0,\"VR\",IF(C45=C9,\"FFT\",IF(AND(C45>C9,C9<>0),\"Y\",\"N\"))),\"\")","v":""},null,"Monthly payment",{"$f":"ROUND(IF(C8=\"I\",F43*C41/12,PMT(C41/12,C9,-F43)),2)","v":{"$error":"#N/A"}},null,null,"Stressed Payment",null,{"$f":"IF(K45=\"N\",F46,IF(C8=\"I\",ROUND(F43*(IF(C42=\"NA\",C41,C42)+C71)/12,2),ROUND(PMT((IF(C42=\"NA\",C41,C42)+C71)/12,C9,-F43),2)))","v":{"$error":"#N/A"}}]
[null,null,null,null,"FV fix end",{"$f":"IF(OR(C46=\"FFT\",C46=\"VR\"),\"NA\",IF(C8=\"I\",F43,FV(C41/12,C45,F46,-F43)))","v":{"$error":"#N/A"}},null,null,"Stress on 1st payment"]
[null,null,null,null,"Follow on PMT",{"$f":"IF(OR(C46=\"FFT\",C46=\"VR\"),\"NA\",ROUND(IF(C8=\"I\",F47*C42/12,PMT(C42/12,C9-C45,-F47)),2))","v":{"$error":"#N/A"}},null,null,"Stress applicable",null,{"$f":"IF('BTL Quote'!C32<>\"Fixed => 5Yr\",\"Y\",\"N\")","v":"Y"}]
[null,"Full Plan Name",{"$f":"'BTL Quote'!C10&\" - \"&'BTL Quote'!C11&\" - \"&'BTL Quote'!C12&\" - \"&'BTL Quote'!C13&\" - \"&'BTL Quote'!C14","v":"<Select> - <Select> - <Select> - <Select> - <Select>"},null,null,null,null,null,"Stressed Payment",null,{"$f":"IFERROR(IF(K48=\"N\",'BTL Quote'!C35,ROUND(IF('BTL Quote'!C31=\"Repayment\",PMT(RATE('BTL Quote'!C33,'BTL Quote'!C35,-'BTL Quote'!C34)+(C71/12),'BTL Quote'!C33,-'BTL Quote'!C34),'BTL Quote'!C34*(('BTL Quote'!C35/'BTL Quote'!C34)+(C71/12))),2)),0)","v":0}]
[]
[null,"Max Loan Amounts"]
[null,"Plan Max Loan",{"$f":"HLOOKUP(C39,'BTL Matrix'!C6:H21,4,FALSE)","v":{"$error":"#N/A"}},null,null,"Min Term",36]
[null,"NI Max Loan",{"$f":"IF(C4=\"N\",D53,10000000)","v":10000000},{"$f":"HLOOKUP(C39,'BTL Matrix'!B6:H21,16,FALSE)","v":{"$error":"#N/A"}},null,"Max Term",360]
[]
[null,"Lowest",{"$f":"MIN(C52:C54)","v":{"$error":"#N/A"}}]
[]
[null,"Lender Fees","Applies","(broker only)",null,"Commission Offset",null,null,null,null,null,"Direct","Applies","Net under","£","%","Total","Wording"]
[null,"This plan lender fee",{"$f":"(F39*C59)+C61+C60","v":0},null,null,0,null,null,null,null,null,null,{"$f":"IF(AND($M$61<>1,$F$39<N58),1,0)","v":1},20000,0,1499,0.01,{"$f":"($F$39*Q58)+P58","v":1499},{"$f":"IF(M58=1,\"Standard lender fee: £\"&IF(F39=0,\"TBA\",ROUND(R58,2)&\" (£\"&ROUND(Q58*$F$39,2)&\" + £\"&P58&\")\"),\"\")","v":"Standard lender fee: £TBA"}]
[null,"Fixed",{"$f":"D59-F58","v":0.03},0.03,null,"Enter % to take off commission to reduce lender fee",null,null,null,null,null,null,{"$f":"IF(AND($M$61<>1,$F$39<N59,$F$39>=N58),1,0)","v":0},100000,{"$f":"N58","v":20000},2999,0.01,{"$f":"($F$39*Q59)+P59","v":2999},{"$f":"IF(M59=1,\"Standard lender fee: £\"&ROUND(R59,2)&\" (£\"&ROUND(Q59*$F$39,2)&\" + £\"&P59&\")\",\"\")","v":""}]
[null,"Packaged",{"$f":"IF(C21=TRUE,D60,0)","v":0},999,null,null,null,null,null,null,null,null,{"$f":"IF(AND($M$61<>1,$F$39<N60,$F$39>=N59),1,0)","v":0},10000000,{"$f":"N59","v":100000},3499,0.01,{"$f":"($F$39*Q60)+P60","v":3499},{"$f":"IF(M60=1,\"Standard lender fee: £\"&ROUND(R60,2)&\" (£\"&ROUND(Q60*$F$39,2)&\" + £\"&P60&\")\",\"\")","v":""}]
[null,"NI",{"$f":"IF(AND(C4=\"N\",C6=2),D61,0)","v":0},899,"All seconds",null,null,null,null,null,null,null,{"$f":"IF(C26=TRUE,1,0)","v":0},"Rate Switch",null,999,0.01,{"$f":"($F$39*Q61)+P61","v":999},{"$f":"IF(M61=1,\"Standard lender fee: £\"&ROUND(R61,2)&\" (£\"&ROUND(Q61*$F$39,2)&\" + £\"&P61&\")\",\"\")","v":""}]
[]
[null,"Title Insurance ",null,null,null,null,null,null,"TI threshold","Min loan for TI",null,"Reason Not TI",{"$f":"VLOOKUP(1,L64:M68,2,FALSE)","v":"Title Insurance is available"}]
[null,"This Loan Premium",{"$f":"IF(C24=TRUE,C66,0)","v":0},null,null,"TI Bandings (over)",null,null,"Second Charge",999999999,null,{"$f":"IF(AND(C4=\"N\",C68<>\"Y\"),1,0)","v":0},"Title Insurance NA in Northern Ireland"]
[null,"TI Threshold",{"$f":"VLOOKUP(C67,I64:J67,2,FALSE)","v":{"$error":"#N/A"}},null,null,0,699,null,"First Charge Purchase",0,null,{"$f":"IF(AND(C6=2,$F$39<J64),1,0)","v":0},"Title Insurance NA on 2nd charges"]
[null,"Potential Premium",{"$f":"IF(AND(C4=\"N\",C68<>\"Y\"),0,IF(F39<C65,0,VLOOKUP(F39,F65:G66,2,TRUE)))","v":{"$error":"#N/A"}},null,null,300000,999,null,"First Charge Refinance",100000,null,{"$f":"IF(AND($C$67=I66,$F$39<J66),1,0)","v":0},{"$f":"\"Title Insurance NA on 1st refinance < £\"&J66/1000&\"k\"","v":"Title Insurance NA on 1st refinance < £100k"}]
[null,"Plan Type",{"$f":"'BTL Quote'!C11","v":"<Select>"},null,null,null,null,null,"First Charge Unencumbered",100000,null,{"$f":"IF(AND($C$67=I67,$F$39<J67),1,0)","v":0},{"$f":"\"Title Insurance NA on 1st unencumbered < £\"&J67/1000&\"k\"","v":"Title Insurance NA on 1st unencumbered < £100k"}]
[null,"Available in NI","n",null,null,null,null,null,null,null,null,{"$f":"IF(SUM(L64:L67)=0,1,0)","v":1},"Title Insurance is available"]
[null,"Rules",null,null,"DSCR"]
[null,"Max DSCR",{"$f":"IF(AND(C20=TRUE,F44>G71),F71,F70)","v":{"$error":"#VALUE!"}},null,"Normal",1.25]
[null,"Stress",0.01,null,"1st time LL > 65%",1.4,0.65]
[]
[]
[null,"Legal Fees",null,null,null,"1st charge"]
[null,"This plan legal fee",{"$f":"IF(C6=2,0,IF(AND(C6=1,C4=\"N\"),VLOOKUP(F43,F76:I82,4,TRUE),IF(OR(C5=\"Y\",F39>=100000),VLOOKUP(F39,F76:H82,3,TRUE)+IF(D76=\"YES\",C76,0)+IF(D77=\"YES\",C77,0),0)))","v":0},null,null,"Loan min","Loan max","EWS","NI"]
[null,"Limited co",300,{"$f":"'BTL Quote'!C7","v":"<Select>"},null,0,0,0,0]
[null,"Leasehold",300,{"$f":"'BTL Quote'!C28","v":"<Complete>"},null,{"$f":"G76+1","v":1},250000,{"$f":"700*1.2","v":840},1489]
[null,null,null,null,null,{"$f":"G77+1","v":250001},500000,{"$f":"800*1.2","v":960},1489]
[null,null,null,null,null,{"$f":"G78+1","v":500001},750000,{"$f":"875*1.2","v":1050},1489]
[null,null,null,null,null,{"$f":"G79+1","v":750001},1000000,1110,1489]
[null,null,null,null,null,{"$f":"G80+1","v":1000001},null,1200,1489]
[]
[null,"Valuation Fee"]
[null,"This Plan",{"$f":"IFERROR(VLOOKUP(C88,C90:D97,2,FALSE),IF(D86=1,\"Add Val\",IF(C4=\"N\",\"Refer\",IF(C4=\"S\",VLOOKUP(C86,L86:N97,3,TRUE),VLOOKUP(C86,F86:H96,3,TRUE)))))","v":"Add Val"},null,null,"E&W",null,null,null,null,null,"Scotland"]
[null,null,null,null,null,"Value min","Value Max","Fee",null,null,null,"Value min","Value Max","Fee"]
[null,"Prop Val",{"$f":"'BTL Quote'!C23","v":"<Complete>"},{"$f":"'BTL Quote'!D23","v":1},null,0,200000,220,null,null,null,0,100000,245]
[null,null,null,null,null,{"$f":"G86+1","v":200001},300000,250,null,null,null,{"$f":"M86+1","v":100001},200000,285]
[null,"Plan Type",{"$f":"'BTL Quote'!C10","v":"<Select>"},null,null,300001,350000,275,null,null,null,200001,300000,335]
[null,null,null,null,null,350001,400000,280,null,null,null,300001,400000,400]
[null,"TBC Val Fee","MUFB","TBC",null,400001,500000,350,null,null,null,400001,500000,475]
[null,null,"HMO","TBC",null,500001,600000,490,null,null,null,500001,600000,620]
[null,null,null,"TBC",null,600001,700000,600,null,null,null,600001,700000,630]
[null,null,null,"TBC",null,700001,800000,700,null,null,null,700001,750000,700]
[null,null,null,"TBC",null,800001,900000,775,null,null,null,750001,800000,860]
[null,null,null,"TBC",null,900001,1000000,850,null,null,null,800001,900000,865]
[null,null,null,"TBC",null,1000001,9999999999,"On request",null,null,null,900001,1000000,890]
[null,null,null,"TBC",null,null,null,null,null,null,null,1000001,999999999,"On request"]
[]
[null,"Max Lending Broker",null,null,null,null,null,null,"Max Lending Direct"]
[null,"Max Sec Lending End",{"$f":"('BTL Quote'!C23*D36)-IF('BTL Quote'!D34=0,0,'BTL Quote'!C34)","v":{"$error":"#VALUE!"}},null,null,null,null,null,"Max Sec Lending End",{"$f":"('BTL Quote'!C23*D36)-IF('BTL Quote'!D34=0,0,'BTL Quote'!C34)","v":{"$error":"#VALUE!"}}]
[null,"Max Sec Lending Start",{"$f":"C100","v":{"$error":"#VALUE!"}},null,null,null,null,null,"Max Sec Lending Start",{"$f":"J100","v":{"$error":"#VALUE!"}}]
[null,"Lender fee %",{"$f":"IF(C23=TRUE,0,IF(C3=\"B\",C59,0))","v":0.03},null,null,null,null,null,"Lender fee %",{"$f":"IF(C23=TRUE,0,IF(C3=\"D\",IF(C26=TRUE,Q61,VLOOKUP(J101,O58:Q61,3,TRUE)),0))","v":0}]
[null,"Broker Fee £",{"$f":"IF(C22=TRUE,0,F40)","v":0},null,null,null,null,null,"Broker Fee £"]
[null,"Lender Fee £",{"$f":"IF(C23=TRUE,0,IF(C3=\"B\",C60+C61,F41))","v":0},null,null,null,null,null,"Lender Fee £",{"$f":"IF(C23=TRUE,0,IF(C3=\"D\",IF(C26=TRUE,P61,VLOOKUP(J101,O58:Q61,2,TRUE)),0))","v":0}]
[null,"Title Insurance",{"$f":"G42","v":0},null,null,null,null,null,"Title Insurance",{"$f":"G42","v":0}]
[null,null,"Lower TI","Higher TI","High Net",null,null,null,null,"Lower TI","Higher TI","High Net"]
[null,null,{"$f":"IF(C105=0,0,G65)","v":0},{"$f":"IF(C105=0,0,G66)","v":0},{"$f":"F66","v":300000},null,null,null,null,{"$f":"IF(J105=0,0,N65)","v":0},{"$f":"IF(J105=0,0,N66)","v":0},{"$f":"F66","v":300000}]
[null,"Max Adjusted for TI",{"$f":"MIN(ROUNDDOWN((C101-C103-C104-C107)/(1+C102),0),C44)","v":{"$error":"#VALUE!"}},{"$f":"MIN(ROUNDDOWN((C101-C103-C104-D107)/(1+C102),0),C44)","v":{"$error":"#VALUE!"}},{"$f":"E107-1","v":299999},"Different if the loan amount goes over the TI limit",null,null,"Max Adjusted for TI",{"$f":"MIN(ROUNDDOWN((J101-J103-J104-J107)/(1+J102),0),C44)","v":{"$error":"#VALUE!"}},{"$f":"MIN(ROUNDDOWN((J101-J103-J104-K107)/(1+J102),0),C44)","v":{"$error":"#VALUE!"}},{"$f":"L107-1","v":299999},"Different if the loan amount goes over the TI limit"]
[null,"Max Net",{"$f":"IF(C108<E107,C108,IF(D108>=E107,D108,E108))","v":{"$error":"#VALUE!"}},null,null,null,null,null,"Max Net",{"$f":"IF(J108<L107,J108,IF(K108>=L107,K108,L108))","v":{"$error":"#VALUE!"}}]
[]
[null,"Criteria Highlights"]
[null,"Use (this application)",null,null,"BTL","HMO","Holiday Let","Student Let","MUFB","HO Business Loan"]
[null,{"$f":"'BTL Quote'!C10","v":"<Select>"},null,null,2,3,4,5,6,7]
[null,{"$f":"VLOOKUP(D114,$D$114:$J$121,HLOOKUP($B$113,$E$112:$J$113,2,FALSE),FALSE)","v":{"$error":"#N/A"}},null,1,"AST required","Licence required or proof applied","If doesn’t have own residence - refer","ASTs required for all tenants","ASTs required for all tenants","Broker must have credit broking permissions "]
[null,{"$f":"VLOOKUP(D115,$D$114:$J$121,HLOOKUP($B$113,$E$112:$J$113,2,FALSE),FALSE)","v":{"$error":"#N/A"}},null,2,"Proof of last month's rent ","Max 8 beds - refer if more","Use 100% profit on SA3402 or accounts cert","If AST is for uni year - average over 12 months ","If over 4 units - refer","No LTD company applications"]
[null,{"$error":"#N/A"},null,3,"Can top up with surplus rental","ASTs required for all tenants","If owned less than a year - use 50% of projection ","Proof of last month's rent ","Full val usually required - AVM on referral","Majority of loan must be for business purposes"]
[null,{"$error":"#N/A"},null,4,"Can top up with personal income","Val based on resi value","AVMs accepted","LTD company or personal applications","Proof of last month's rent ","2nd charge only"]
[null,{"$error":"#N/A"},null,5,"EPC must be E or better ","AVMs accepted","Must be on mutiple letting sites","Can top up with surplus rental","LTD company or personal applications","Minimum loan of 25k"]
[null,{"$error":"#N/A"},null,6,"LTD company or personal applications","Proof of last month's rent or deposit ",null,"Can top up with personal income","Can top up with surplus rental","AVMs accepted "]
[null,{"$error":"#N/A"},null,7,null,"LTD company or personal applications",null,"AVMs accepted ","Can top up with personal income"]
[null,{"$f":"IF(C4=\"N\",M121,\"\")","v":""},null,8,null,null,null,null,null,null,null,"NI Only","If a cross charge additional fees may apply"]
[]
[null,"Notes",{"$f":"SUM(C127:C135)","v":1},"Total Errors"]
[null,"Index","Applies"]
[null,{"$f":"C125","v":0},{"$f":"IF(C18=\"Y\",1,0)","v":0},"HOBL second charge only"]
[null,{"$f":"B125","v":0}]
[null,{"$f":"IF($B$126>0,B126,B126+C127)","v":1},{"$f":"IF(AND(C10=\"N\",C129=0),1,0)","v":1},"Complete all inputs"]
[null,{"$f":"IF($B$126>0,B127,B127+C128)","v":1},{"$f":"IF(C46=\"Y\",1,0)","v":0},"Fix exceeds term"]
[null,1,{"$f":"IF(C13=\"N\",1,0)","v":0},"Delete 1st charge details"]
[null,1,{"$f":"IFERROR(F45,0)","v":0},"LTV exceeds max"]
[null,1,{"$f":"IFERROR(IF(J40=\"Y\",1,0),0)","v":0},"Net loan exceeds max"]
[null,1,{"$f":"IF(J39=\"Y\",1,0)","v":0},"Net loan below min"]
[null,1,{"$f":"IF(C11=\"N\",1,0)","v":0},"Add 1st charge details"]
[null,1,{"$f":"IF(J41=\"Y\",1,0)","v":0},"Broker fee too high (max 15% net loan / £10k)"]
[null,1,{"$f":"IF(AND(D76=\"Yes\",C16=\"Y\"),1,0)","v":0},"No Ltd Co on HOBL"]
[]
[]
[]
[null,"ONS Calculation",null,null,null,null,null,"Household Makeup"]
[null,null,"No","Factor","Score",null,null,null,"Adults",{"$f":"'BTL Quote'!L3","v":"<Select>"},"Y/O"]
[null,"1st adult",1,{"$f":"ONS!C7","v":1},{"$f":"D141*C141","v":1},null,null,null,"No Dep",{"$f":"'BTL Quote'!L4","v":"<Select>"}]
[null,"Other adult",{"$f":"J140-C141","v":{"$error":"#VALUE!"}},{"$f":"ONS!C8","v":0.7},{"$f":"D142*C142","v":{"$error":"#VALUE!"}},null,null,1,"Dep 1",{"$f":"IF(H142>$J$141,\"\",IF(OR('BTL Quote'!L5=\"\",'BTL Quote'!L5=\"<Select>\"),\"M\",'BTL Quote'!L5))","v":"M"},{"$f":"IF(J142=\"\",\"\",IF(J142>ONS!$C$12,\"O\",\"Y\"))","v":"O"}]
[null,"Older child",{"$f":"COUNTIF($K$142:$K$146,F143)","v":5},{"$f":"ONS!C9","v":0.67},{"$f":"D143*C143","v":3.35},"O",null,2,"Dep 2",{"$f":"IF(H143>$J$141,\"\",IF(OR('BTL Quote'!L6=\"\",'BTL Quote'!L6=\"<Select>\"),\"M\",'BTL Quote'!L6))","v":"M"},{"$f":"IF(J143=\"\",\"\",IF(J143>ONS!$C$12,\"O\",\"Y\"))","v":"O"}]
[null,"Younger child",{"$f":"COUNTIF($K$142:$K$146,F144)","v":0},{"$f":"ONS!C10","v":0.33},{"$f":"D144*C144","v":0},"Y",null,3,"Dep 3",{"$f":"IF(H144>$J$141,\"\",IF(OR('BTL Quote'!L7=\"\",'BTL Quote'!L7=\"<Select>\"),\"M\",'BTL Quote'!L7))","v":"M"},{"$f":"IF(J144=\"\",\"\",IF(J144>ONS!$C$12,\"O\",\"Y\"))","v":"O"}]
[null,"Total",null,null,{"$f":"SUM(E141:E144)","v":{"$error":"#VALUE!"}},null,null,4,"Dep 4",{"$f":"IF(H145>$J$141,\"\",IF(OR('BTL Quote'!L8=\"\",'BTL Quote'!L8=\"<Select>\"),\"M\",'BTL Quote'!L8))","v":"M"},{"$f":"IF(J145=\"\",\"\",IF(J145>ONS!$C$12,\"O\",\"Y\"))","v":"O"}]
[null,null,null,null,null,null,null,5,"Dep 5",{"$f":"IF(H146>$J$141,\"\",IF(OR('BTL Quote'!L9=\"\",'BTL Quote'!L9=\"<Select>\"),\"M\",'BTL Quote'!L9))","v":"M"},{"$f":"IF(J146=\"\",\"\",IF(J146>ONS!$C$12,\"O\",\"Y\"))","v":"O"}]
[null,"Quintile",{"$f":"VLOOKUP(I147,ONS!N7:P11,3,TRUE)","v":{"$error":"#N/A"}},null,null,null,null,"Annual income",{"$f":"'BTL Quote'!L14","v":"<Complete>"}]
[null,"Model",{"$f":"IF(J141>0,ONS!F9,IF(J140>1,ONS!F8,ONS!F7))","v":"A56"}]
[null,"Lookup",{"$f":"\"Q\"&C147&C148","v":{"$error":"#N/A"}}]
[]
[null,"1st adult cost",{"$f":"HLOOKUP(C149,ONS!C16:U18,3,FALSE)","v":{"$error":"#N/A"}}]
[null,"Family cost",{"$f":"C151*E145","v":{"$error":"#N/A"}}]
[null,"Buffer",{"$f":"ONS!C11","v":150}]
[null,"Total expenditure",{"$f":"ROUND(SUM(C152:C153),2)","v":{"$error":"#N/A"}}]
[]
[]
[]
[]
[]
[]
[null,"Affordability",null,null,"Use Wording",null,null,"Pass Wording",null,null,null,"Fail Wording"]
[null,"Requires Affordability",{"$f":"IF(J42=\"Y\",\"N\",IF(AND(C10=\"Y\",OR('BTL Quote'!F28<>\"Fits Rent\",C16=\"Y\")),\"Y\",\"N\"))","v":"N"},null,{"$f":"IF($C$167=\"FAIL\",L162,IF($C$167=\"PASS\",H162,C168))","v":"Fails rental income - Complete affordability details"},null,null,"This application has passed the affordability",null,null,null,"This application has failed the affordability"]
[null,"Stressed Shortfall",{"$f":"'BTL Quote'!F28","v":""},null,{"$f":"IF($C$167=\"FAIL\",L163,IF($C$167=\"PASS\",H163,\"\"))","v":""},null,null,"decision, and no further documentation is",null,null,null,"decision, as the available income is not"]
[null,"Mortgage buffer",{"$f":"IFERROR(IF(C16=\"Y\",'BTL Quote'!C34*C71/12,'BTL Quote'!L17*C71/12),0)","v":0},null,{"$f":"IF($C$167=\"FAIL\",L164,IF($C$167=\"PASS\",H164,\"\"))","v":""},null,null,"required to support the affordability on this",null,null,null,"sufficient to cover the outgoings detailed, and"]
[null,"Net income",{"$f":"IF('BTL Quote'!N4=1,0,'BTL Quote'!L12)+IF('BTL Quote'!L13=\"<Optional>\",0,'BTL Quote'!L13)","v":0},null,{"$f":"IF($C$167=\"FAIL\",L165,IF($C$167=\"PASS\",H165,\"\"))","v":""},null,null,"application.",null,null,null,"based upon national averages, still leave "]
[null,"Surplus",{"$f":"IF(C16=\"Y\",C184,D184)","v":{"$error":"#VALUE!"}},null,{"$f":"IF($C$167=\"FAIL\",L166,\"\")","v":""},null,null,null,null,null,null,"sufficient money to cover all other"]
[null,"Outcome",{"$f":"IF(OR(C175>0,C163=\"Fits Rent\"),\"TBC\",IF(C166>0,\"PASS\",\"FAIL\"))","v":"TBC"},null,{"$f":"IF($C$167=\"FAIL\",L167,\"\")","v":""},null,null,null,null,null,null,"expenditure in a sustainable manner for the"]
[null,"Message",{"$f":"VLOOKUP(1,H172:I174,2,FALSE)","v":"Fails rental income - Complete affordability details"},null,{"$f":"IF($C$167=\"FAIL\",L168,\"\")","v":""},null,null,null,null,null,null,"life of the loan. "]
[]
[null,"Outstanding",0,null,null,null,null,"Affordability message"]
[null,"Household",{"$f":"C170+IF(OR(J140=0,J140=\"<Select>\",J141=\"<Select>\",J141=\"\",COUNTIF(J142:J146,\"M\")>0),1,0)","v":1},"Complete household size",null,null,null,"Use"]
[null,"Income",{"$f":"C171+IFERROR(IF(OR(C165=0,I147=0),1,0),1)","v":2},"Add household income",null,null,null,{"$f":"IF(C16=\"Y\",1,0)","v":0},"HOBL - Complete affordability details"]
[null,"Mortgage",{"$f":"C172+IF(C16=\"Y\",0,  IF(AND('BTL Quote'!L18<>\"\",'BTL Quote'!L18<>\"<Complete>\"),0,1))","v":3},"Add mortgage payment",null,null,null,{"$f":"IF(C163=\"Fits Rent\",1,0)","v":0},"Fits on rental income"]
[null,"Valid Loan",{"$f":"C173+IF('BTL Quote'!F10=\"\",1,0)","v":4},"A valid MT loan quote ",null,null,null,{"$f":"IF(SUM(H172:H173)=0,1,0)","v":1},"Fails rental income - Complete affordability details"]
[null,null,{"$f":"C174","v":4}]
[]
[null,"Affordability Calculation","HOBL","Other"]
[null,"Income",{"$f":"'BTL Quote'!L12+IF('BTL Quote'!L13=\"<Optional>\",0,'BTL Quote'!L13)","v":{"$error":"#VALUE!"}},{"$f":"C178","v":{"$error":"#VALUE!"}}]
[null,"Resi Mort / rent",0,{"$f":"'BTL Quote'!L18","v":"<Complete>"}]
[null,"Total cred commitments",{"$f":"'BTL Quote'!$L$26","v":0},{"$f":"'BTL Quote'!$L$26","v":0}]
[null,"Mortgage buffer",{"$f":"$C$164","v":0},{"$f":"$C$164","v":0}]
[null,"BTL Loan shortfall",0,{"$f":"'BTL Quote'!L19","v":""}]
[null,"ONS",{"$f":"$C$154","v":{"$error":"#N/A"}},{"$f":"$C$154","v":{"$error":"#N/A"}}]
[null,"Surplus",{"$f":"C178-SUM(C179:C183)","v":{"$error":"#VALUE!"}},{"$f":"D178-SUM(D179:D183)","v":{"$error":"#VALUE!"}}]

{"sheet":"BTL Matrix","index":11,"n_rows":23,"n_cols":9,"rows_kept":23,"cut":false,"hidden":false,"merged":[[2,2,2,4],[2,5,2,7],[9,1,9,7],[18,1,18,7]]}
[]
[null,"Term Loan Product Matrix"]
[null,"Security","1st charge",null,null,"2nd charge"]
[null,"Charge",1,1,1,2,2,2]
[null,"Status",0,1,2,0,1,2]
[null,"Plan code (charge-status)",{"$f":"C4&\"-\"&C5","v":"1-0"},{"$f":"D4&\"-\"&D5","v":"1-1"},"1-2","2-0","2-1","2-2"]
[null,"Max LTV",0.75,0.75,0.7,0.75,0.75,0.7]
[null,"Min Net",10000,10000,10000,10000,10000,10000]
[null,"Max Net",750000,750000,250000,500000,300000,100000]
["Code","Rates",null,null,null,null,null,null,"Lookup"]
["V","Variable",0.1164,0.11890000000000001,0.12139999999999999,0.1179,0.12039999999999999,0.1229,{"$f":"ROW(H11)-ROW($H$6)+1","v":6}]
[2,"2yr fixed",0.11260000000000001,0.11509999999999999,0.1176,0.11409999999999999,0.1166,0.1191,{"$f":"ROW(H12)-ROW($H$6)+1","v":7}]
["2N","2yr fixed no ERCs",0.1176,0.1191,0.1226,0.1191,0.1216,0.1241,8]
[3,"3yr fixed",0.11260000000000001,0.11509999999999999,0.1176,0.11409999999999999,0.1166,0.1191,9]
[5,"5yr fixed",0.113,0.11550000000000001,0.11799999999999999,0.1145,0.11749999999999999,0.12,10]
["5N","5yr fixed no ERCs",0.11799999999999999,0.1205,0.123,0.1195,0.1225,0.125,11]
[null,null,null,null,null,null,null,null,12]
[null,null,null,null,null,null,null,null,13]
[null,"Other"]
[null,{"$f":"\"Commission\"&IF(B23<>0,\"*\",\"\")","v":"Commission"},0.02,0.02,0.02,0.02,0.02,0.02]
[null,"NI Max Net",150000,150000,150000,150000,150000,{"$f":"H9","v":100000}]
[null,"HOBL Min Net",null,null,null,25000,"Second Charge only"]
[null,{"$f":"'BTL Workings'!F58","v":0},{"$f":"IF(B23<>0,\"* This commission will be reduced by \"&B23*100&\"% to offset the lender fee\",\"\")","v":""}]

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["Offset use",{"$f":"IFERROR(HLOOKUP(1,G4:R5,2,FALSE),E5)","v":0},null,null,null,"From Date","2026-02-25"]
[null,null,null,null,null,"To Date","2026-03-15"]
[null,null,null,null,null,"Applies ",{"$f":"IF(AND(G2<=$B$1,G3>=$B$1),1,0)","v":0},{"$f":"IF(AND(H2<=$B$1,H3>=$B$1),1,0)","v":0},0,0,0,0,0,0,0,0,0,0]
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[null,1,{"$f":"IF(OFFSET(E6,0,$B$2)=\"\",\"\",OFFSET(E6,0,$B$2))","v":"Speedy lending for complex needs, with a personal touch"},null,"Speedy lending for complex needs, with a personal touch",null,"NEW - Now offering up to 75% LTV in Northern Ireland"]
[null,{"$f":"IF(C7=\"\",\"\",B6+1)","v":2},{"$f":"IF(OFFSET(E7,0,$B$2)=\"\",\"\",OFFSET(E7,0,$B$2))","v":"Each application is assessed by a member of our team—not a computer"},null,"Each application is assessed by a member of our team—not a computer",null,"NEW – Second charge loan size increased to 500k"]
[null,{"$f":"IF(C8=\"\",\"\",B7+1)","v":3},"Looking for a quick, straightforward, and flexible lending solution tailored to your customer's needs?",null,"Looking for a quick, straightforward, and flexible lending solution tailored to your customer's needs?",null,"NEW – Terms now available up to 360 months"]
[null,4,"We're here with our common sense lending approach to help you and your customers",null,"We're here with our common sense lending approach to help you and your customers",null,"NEW - AVMs available on purchases"]
[null,5,"We can get the funds needed in your customer's bank account in a matter of days",null,"We can get the funds needed in your customer's bank account in a matter of days"]
[null,6,"We offer flexible solutions for your customer's complex needs",null,"We offer flexible solutions for your customer's complex needs"]
[null,7,"Whether your customer has a less-than-perfect credit score, a property with non-traditional construction, or needs funds quickly — we’re here to help!",null,"Whether your customer has a less-than-perfect credit score, a property with non-traditional construction, or needs funds quickly — we’re here to help!"]
[null,8,"Lending across the UK: England, Wales, Scotland, and Northern Ireland",null,"Lending across the UK: England, Wales, Scotland, and Northern Ireland"]
[null,9,"Borrow from £10,000 to £500,000",null,"Borrow from £10,000 to £500,000"]
[null,10,"Borrow up to 75% Loan-to-Value (LTV)",null,"Borrow up to 75% Loan-to-Value (LTV)"]
[null,11,"Available on: Standard Buy to Lets, Holiday Lets, HMOs, MUFB, and Student Lets",null,"Available on: Standard Buy to Lets, Holiday Lets, HMOs, MUFB, and Student Lets"]
[null,12,"Personal & Limited company borrowers welcome",null,"Personal & Limited company borrowers welcome"]
[null,13,"Lower value properties, from just £75,000",null,"Lower value properties, from just £75,000"]
[null,14,"Business loans on residence accepted (2nd charge only)",null,"Business loans on residence accepted (2nd charge only)"]
[null,15,"Flexible Term Loans for all types of landlords",null,"Flexible Term Loans for all types of landlords"]
[null,16,"Our Term Loan solutions are designed to suit landlords at every stage—no matter their experience",null,"Our Term Loan solutions are designed to suit landlords at every stage—no matter their experience"]
[null,17,"Fast access to business funding without re-mortgaging",null,"Fast access to business funding without re-mortgaging"]
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[15,"Broker Fee",{"$f":"OFFSET(C16,0,'Quote History'!$E$21+1)","v":"<Optional>"},{"$f":"IF('Bridge Quote'!$C18=\"\",\"\",'Bridge Quote'!$C18)","v":"<Optional>"}]
[16,"Lender Fee",{"$f":"OFFSET(C17,0,'Quote History'!$E$21+1)","v":0},{"$f":"IF('Bridge Quote'!$C19=\"\",\"\",'Bridge Quote'!$C19)","v":0}]
[17,"Value",{"$f":"OFFSET(C18,0,'Quote History'!$E$21+1)","v":"<Complete>"},{"$f":"IF('Bridge Quote'!$C23=\"\",\"\",'Bridge Quote'!$C23)","v":"<Complete>"}]
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[21,"Rental Surplus",{"$f":"OFFSET(C22,0,'Quote History'!$E$21+1)","v":"<Optional>"},{"$f":"IF('Bridge Quote'!$C27=\"\",\"\",'Bridge Quote'!$C27)","v":"<Optional>"}]
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[24,"Remaining Term (m)",{"$f":"OFFSET(C25,0,'Quote History'!$E$21+1)","v":"<Complete>"},{"$f":"IF('Bridge Quote'!$C33=\"\",\"\",'Bridge Quote'!$C33)","v":"<Complete>"}]
[25,"Balance",{"$f":"OFFSET(C26,0,'Quote History'!$E$21+1)","v":"<Complete>"},{"$f":"IF('Bridge Quote'!$C34=\"\",\"\",'Bridge Quote'!$C34)","v":"<Complete>"}]
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[28,"1st time LL",{"$f":"OFFSET(C29,0,'Quote History'!$E$21+1)","v":false},{"$f":"IF('Bridge Quote'!$C39=\"\",\"\",'Bridge Quote'!$C39)","v":false}]
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[32,"Add TI",{"$f":"OFFSET(C33,0,'Quote History'!$E$21+1)","v":false},{"$f":"IF('Bridge Quote'!$C43=\"\",\"\",'Bridge Quote'!$C43)","v":false}]
[33,"Del Max",{"$f":"OFFSET(C34,0,'Quote History'!$E$21+1)","v":false},{"$f":"IF('Bridge Quote'!$C44=\"\",\"\",'Bridge Quote'!$C44)","v":false}]
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[35,"Is Property Leasehold?",{"$f":"OFFSET(C36,0,'Quote History'!$E$21+1)","v":"<Complete>"},{"$f":"IF('Bridge Quote'!$C28=\"\",\"\",'Bridge Quote'!$C28)","v":"<Complete>"}]
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[37,"Number of Dependants",{"$f":"OFFSET(C38,0,'Quote History'!$E$21+1)","v":"<Select>"},{"$f":"IF('Bridge Quote'!$L4=\"\",\"\",'Bridge Quote'!$L4)","v":"<Select>"}]
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[39,"Dependant 2 - age",{"$f":"OFFSET(C40,0,'Quote History'!$E$21+1)","v":"<Select>"},{"$f":"IF('Bridge Quote'!$L6=\"\",\"\",'Bridge Quote'!$L6)","v":"<Select>"}]
[40,"Dependant 3 - age",{"$f":"OFFSET(C41,0,'Quote History'!$E$21+1)","v":"<Select>"},{"$f":"IF('Bridge Quote'!$L7=\"\",\"\",'Bridge Quote'!$L7)","v":"<Select>"}]
[41,"Dependant 4 - age",{"$f":"OFFSET(C42,0,'Quote History'!$E$21+1)","v":"<Select>"},{"$f":"IF('Bridge Quote'!$L8=\"\",\"\",'Bridge Quote'!$L8)","v":"<Select>"}]
[42,"Dependant 5 - age",{"$f":"OFFSET(C43,0,'Quote History'!$E$21+1)","v":"<Select>"},{"$f":"IF('Bridge Quote'!$L9=\"\",\"\",'Bridge Quote'!$L9)","v":"<Select>"}]
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[44,"Applicant 2",{"$f":"OFFSET(C45,0,'Quote History'!$E$21+1)","v":"<Optional>"},{"$f":"IF('Bridge Quote'!$L13=\"\",\"\",'Bridge Quote'!$L13)","v":"<Optional>"}]
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[47,"Resi Mort/Rent Pmt",{"$f":"OFFSET(C48,0,'Quote History'!$E$21+1)","v":"<Complete>"},{"$f":"IF('Bridge Quote'!$L18=\"\",\"\",'Bridge Quote'!$L18)","v":"<Complete>"}]
[48,"Credit Cards",{"$f":"OFFSET(C49,0,'Quote History'!$E$21+1)","v":"<Optional>"},{"$f":"IF('Bridge Quote'!$L22=\"\",\"\",'Bridge Quote'!$L22)","v":"<Optional>"}]
[49,"Unsecured Credit",{"$f":"OFFSET(C50,0,'Quote History'!$E$21+1)","v":"<Optional>"},{"$f":"IF('Bridge Quote'!$L23=\"\",\"\",'Bridge Quote'!$L23)","v":"<Optional>"}]
[50,"School Fees/Childcare/Other",{"$f":"OFFSET(C51,0,'Quote History'!$E$21+1)","v":"<Optional>"},{"$f":"IF('Bridge Quote'!$L24=\"\",\"\",'Bridge Quote'!$L24)","v":"<Optional>"}]
[51]
[52,"Net Loan",null,{"$f":"'Bridge Quote'!$F3","v":""}]
[53,"Lender Fee",null,{"$f":"'Bridge Quote'!$F4","v":""}]
[54,"Title Insurance",null,{"$f":"'Bridge Quote'!$F5","v":""}]
[55,"Broker Fee",null,{"$f":"'Bridge Quote'!$F6","v":""}]
[56,"Gross Loan",null,{"$f":"'Bridge Quote'!$F8","v":""}]
[57,"Monthly Interest Rate",null,{"$f":"'BR Workings'!$C41","v":{"$error":"#N/A"}}]
[58,"1m Interest",null,{"$f":"'Bridge Quote'!$F10","v":""}]
[59,"Interest over term",null,{"$f":"'Bridge Quote'!$F11","v":""}]
[60,"Total Loan",null,{"$f":"'Bridge Quote'!$F12","v":""}]
[61,"LTV",null,{"$f":"'Bridge Quote'!$F13","v":""}]
[62]
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[21,"Additional Rental Surplus",{"$f":"OFFSET(C22,0,'Quote History'!$E$5+1)","v":"<Optional>"},{"$f":"IF('BTL Quote'!$C27=\"\",\"\",'BTL Quote'!$C27)","v":"<Optional>"}]
[22,"Repayment Type",{"$f":"OFFSET(C23,0,'Quote History'!$E$5+1)","v":"<Select>"},{"$f":"IF('BTL Quote'!$C31=\"\",\"\",'BTL Quote'!$C31)","v":"<Select>"}]
[23,"Rate Type (remaining fix)",{"$f":"OFFSET(C24,0,'Quote History'!$E$5+1)","v":"<Select>"},{"$f":"IF('BTL Quote'!$C32=\"\",\"\",'BTL Quote'!$C32)","v":"<Select>"}]
[24,"Remaining Term (m)",{"$f":"OFFSET(C25,0,'Quote History'!$E$5+1)","v":"<Complete>"},{"$f":"IF('BTL Quote'!$C33=\"\",\"\",'BTL Quote'!$C33)","v":"<Complete>"}]
[25,"Balance",{"$f":"OFFSET(C26,0,'Quote History'!$E$5+1)","v":"<Complete>"},{"$f":"IF('BTL Quote'!$C34=\"\",\"\",'BTL Quote'!$C34)","v":"<Complete>"}]
[26,"Monthly Payment",{"$f":"OFFSET(C27,0,'Quote History'!$E$5+1)","v":"<Complete>"},{"$f":"IF('BTL Quote'!$C35=\"\",\"\",'BTL Quote'!$C35)","v":"<Complete>"}]
[27,"Tick boxes",{"$f":"OFFSET(C28,0,'Quote History'!$E$5+1)","v":false},{"$f":"IF('BTL Quote'!$C38=\"\",\"\",'BTL Quote'!$C38)","v":false}]
[28,"1st time LL",{"$f":"OFFSET(C29,0,'Quote History'!$E$5+1)","v":false},{"$f":"IF('BTL Quote'!$C39=\"\",\"\",'BTL Quote'!$C39)","v":false}]
[29,"Packaged",{"$f":"OFFSET(C30,0,'Quote History'!$E$5+1)","v":false},{"$f":"IF('BTL Quote'!$C40=\"\",\"\",'BTL Quote'!$C40)","v":false}]
[30,"B fee UF",{"$f":"OFFSET(C31,0,'Quote History'!$E$5+1)","v":false},{"$f":"IF('BTL Quote'!$C41=\"\",\"\",'BTL Quote'!$C41)","v":false}]
[31,"L fee UF",{"$f":"OFFSET(C32,0,'Quote History'!$E$5+1)","v":false},{"$f":"IF('BTL Quote'!$C42=\"\",\"\",'BTL Quote'!$C42)","v":false}]
[32,"Add TI",{"$f":"OFFSET(C33,0,'Quote History'!$E$5+1)","v":false},{"$f":"IF('BTL Quote'!$C43=\"\",\"\",'BTL Quote'!$C43)","v":false}]
[33,"Del Max",{"$f":"OFFSET(C34,0,'Quote History'!$E$5+1)","v":false},{"$f":"IF('BTL Quote'!$C44=\"\",\"\",'BTL Quote'!$C44)","v":false}]
[34,"Is Borrower a Ltd Co?",{"$f":"OFFSET(C35,0,'Quote History'!$E$5+1)","v":"<Select>"},{"$f":"IF('BTL Quote'!$C7=\"\",\"\",'BTL Quote'!$C7)","v":"<Select>"}]
[35,"Is Property Leasehold?",{"$f":"OFFSET(C36,0,'Quote History'!$E$5+1)","v":"<Complete>"},{"$f":"IF('BTL Quote'!$C28=\"\",\"\",'BTL Quote'!$C28)","v":"<Complete>"}]
[36,"Number of Adults",{"$f":"OFFSET(C37,0,'Quote History'!$E$5+1)","v":"<Select>"},{"$f":"IF('BTL Quote'!$L3=\"\",\"\",'BTL Quote'!$L3)","v":"<Select>"}]
[37,"Number of Dependants",{"$f":"OFFSET(C38,0,'Quote History'!$E$5+1)","v":"<Select>"},{"$f":"IF('BTL Quote'!$L4=\"\",\"\",'BTL Quote'!$L4)","v":"<Select>"}]
[38,"Dependant 1 - age",{"$f":"OFFSET(C39,0,'Quote History'!$E$5+1)","v":"<Select>"},{"$f":"IF('BTL Quote'!$L5=\"\",\"\",'BTL Quote'!$L5)","v":"<Select>"}]
[39,"Dependant 2 - age",{"$f":"OFFSET(C40,0,'Quote History'!$E$5+1)","v":"<Select>"},{"$f":"IF('BTL Quote'!$L6=\"\",\"\",'BTL Quote'!$L6)","v":"<Select>"}]
[40,"Dependant 3 - age",{"$f":"OFFSET(C41,0,'Quote History'!$E$5+1)","v":"<Select>"},{"$f":"IF('BTL Quote'!$L7=\"\",\"\",'BTL Quote'!$L7)","v":"<Select>"}]
[41,"Dependant 4 - age",{"$f":"OFFSET(C42,0,'Quote History'!$E$5+1)","v":"<Select>"},{"$f":"IF('BTL Quote'!$L8=\"\",\"\",'BTL Quote'!$L8)","v":"<Select>"}]
[42,"Dependant 5 - age",{"$f":"OFFSET(C43,0,'Quote History'!$E$5+1)","v":"<Select>"},{"$f":"IF('BTL Quote'!$L9=\"\",\"\",'BTL Quote'!$L9)","v":"<Select>"}]
[43,"Applicant 1",{"$f":"OFFSET(C44,0,'Quote History'!$E$5+1)","v":"<Complete>"},{"$f":"IF('BTL Quote'!$L12=\"\",\"\",'BTL Quote'!$L12)","v":"<Complete>"}]
[44,"Applicant 2",{"$f":"OFFSET(C45,0,'Quote History'!$E$5+1)","v":"<Optional>"},{"$f":"IF('BTL Quote'!$L13=\"\",\"\",'BTL Quote'!$L13)","v":"<Optional>"}]
[45,"GROSS ANNUAL Income",{"$f":"OFFSET(C46,0,'Quote History'!$E$5+1)","v":"<Complete>"},{"$f":"IF('BTL Quote'!$L14=\"\",\"\",'BTL Quote'!$L14)","v":"<Complete>"}]
[46,"Residential Mortgage(s) Bal",{"$f":"OFFSET(C47,0,'Quote History'!$E$5+1)","v":"<Complete>"},{"$f":"IF('BTL Quote'!$L17=\"\",\"\",'BTL Quote'!$L17)","v":"<Complete>"}]
[47,"Resi Mort/Rent Pmt",{"$f":"OFFSET(C48,0,'Quote History'!$E$5+1)","v":"<Complete>"},{"$f":"IF('BTL Quote'!$L18=\"\",\"\",'BTL Quote'!$L18)","v":"<Complete>"}]
[48,"Credit Cards",{"$f":"OFFSET(C49,0,'Quote History'!$E$5+1)","v":"<Optional>"},{"$f":"IF('BTL Quote'!$L22=\"\",\"\",'BTL Quote'!$L22)","v":"<Optional>"}]
[49,"Unsecured Credit",{"$f":"OFFSET(C50,0,'Quote History'!$E$5+1)","v":"<Optional>"},{"$f":"IF('BTL Quote'!$L23=\"\",\"\",'BTL Quote'!$L23)","v":"<Optional>"}]
[50,"School Fees/Childcare/Other",{"$f":"OFFSET(C51,0,'Quote History'!$E$5+1)","v":"<Optional>"},{"$f":"IF('BTL Quote'!$L24=\"\",\"\",'BTL Quote'!$L24)","v":"<Optional>"}]
[51]
[52,"Net Loan",null,{"$f":"'BTL Quote'!$F3","v":""}]
[53,"Lender Fee",null,{"$f":"'BTL Quote'!$F4","v":""}]
[54,"Title Insurance",null,{"$f":"'BTL Quote'!$F5","v":""}]
[55,"Broker Fee",null,{"$f":"'BTL Quote'!$F6","v":""}]
[56,"Gross Loan",null,{"$f":"'BTL Quote'!$F8","v":""}]
[57,"LTV",null,{"$f":"'BTL Quote'!$F9","v":""}]
[58,"Annual Interest Rate",null,{"$f":"'BTL Quote'!$F10","v":""}]
[59,"Monthly Payment",null,{"$f":"'BTL Quote'!$F11","v":""}]
[60,"Follow on Rate",null,{"$f":"'BTL Quote'!$F13","v":""}]
[61,"Follow on Payment",null,{"$f":"'BTL Quote'!$F14","v":""}]
[62]
[63,"Rate Switch",{"$f":"OFFSET(C64,0,'Quote History'!$E$5+1)","v":false},{"$f":"IF('BTL Quote'!$C45=\"\",\"\",'BTL Quote'!$C45)","v":false}]

{"sheet":"ONS","index":15,"n_rows":18,"n_cols":21,"rows_kept":18,"cut":false,"hidden":true,"merged":[]}
[]
[]
[]
[null,"ONS Figures"]
[null,"Updated 04.2025"]
[null,"Multiple","Factor",null,null,"Quintile",1,2,3,4,5,null,"Quintile Bands","from (y)","From (m)"]
[null,"1st adult",1,null,"1 adult","A26",1,1,1,1,1,null,1,0,null,1]
[null,"Ad adult",0.7,null,"2+ adult","A29",1.7,1.7,1.7,1.7,1.7,null,2,19760,{"$f":"N8/12","v":1646.6666666666667},2]
[null,"Older ch 16-17",0.67,null,"Children","A56",1.8090702947845807,2.1695473251028807,2.3509539842873179,2.4627822944896116,2.5488372093023255,null,3,32604,{"$f":"N9/12","v":2717},3]
[null,"young ch 0-15",0.33,null,null,null,null,null,null,null,null,null,4,48516,{"$f":"N10/12","v":4043},4]
[null,"Buffer",150,null,null,null,null,null,null,null,null,null,5,73008,{"$f":"N11/12","v":6084},5]
[null,"Young up to",15]
[]
[null,"Monthly 1st adult cost","Pasted Values"]
[null,null,"Q1",null,null,null,"Q2",null,null,null,"Q3",null,null,null,"Q4",null,null,null,"Q5"]
[null,null,"Q1A26","Q1A29","Q1A56",null,"Q2A26","Q2A29","Q2A56",null,"Q3A26","Q3A29","Q3A56",null,"Q4A26","Q4A29","Q4A56",null,"Q5A26","Q5A29","Q5A56"]
[null,null,"A26","A29","A56",null,"A26","A29","A56",null,"A26","A29","A56",null,"A26","A29","A56",null,"A26","A29","A56"]
[null,"Total first adult cost (CT AA)",693.03000000000009,700.51,552.52,null,908.4,794.5,629.11,null,1081.75,847.95999999999992,672.13,null,1315.5100000000002,975.25999999999976,755.64999999999986,null,1582.28,1228.77,934.80000000000007]