{"text_format":"3","workbook":"xlsx","n_sheets":1,"sheets":["Outside London"],"not_rendered":{"images":2,"macros":1,"external_links":1,"defined_names":9},"read":"whole","date_system":"1900"}

{"sheet":"Outside London","index":0,"n_rows":50,"n_cols":41,"rows_kept":50,"merged":[[1,6,2,9],[2,10,2,13],[4,1,8,1],[4,3,4,5],[4,6,4,9],[4,12,4,13],[5,3,5,5],[5,6,5,9],[5,12,6,13],[6,3,6,5],[6,6,6,9],[7,4,7,13],[8,4,8,7],[8,9,8,13],[10,1,12,1],[10,8,10,13],[14,10,21,10],[27,1,29,1],[27,10,30,10],[28,11,28,12],[31,1,32,1],[35,1,35,11],[36,1,36,2],[37,1,37,2],[66,16,72,21],[75,16,77,22],[75,23,77,23],[75,24,77,24]]}
[]
[{"$nulls":6},"Complete all grey boxes"]
[{"$nulls":10},"OUTSIDE LONDON version"]
[]
[null,"APPLICANT",null,"Forename",null,null,"Surname",{"$nulls":3},"DoB","Age Next","Number of children"]
[{"$nulls":11},{"$f":"IF(AND(K6<>\"\",MONTH(TODAY())>MONTH(K6),DAY(TODAY()>DAY(K6))),YEAR(TODAY())-YEAR(K6)+1,IF(K6<>\"\",YEAR(TODAY())-YEAR(K6),\"\"))","v":""}]
[{"$nulls":11},{"$f":"IF(AND(K7<>\"\",MONTH(TODAY())>MONTH(K7),DAY(TODAY()>DAY(K7))),YEAR(TODAY())-YEAR(K7)+1,IF(K7<>\"\",YEAR(TODAY())-YEAR(K7),\"\"))","v":""}]
[{"$nulls":3},"Address:"]
[{"$nulls":3},"Home:",{"$nulls":4},"Mobile:"]
[]
[null,"PROPERTY",null,"Proposed purchase property:"]
[{"$nulls":3},"Full market value"]
[{"$nulls":3},"Number of bedrooms"]
[]
[null,"GROSS INCOME CALCULATION",null,"App 1 basic employment income(annual, gross):",{"$nulls":6},"Additional household Income (monthly):","Universal Credit "]
[{"$nulls":3},"Overtime, Bonuses & Commissions:",{"$nulls":8},"Working tax credits"]
[{"$nulls":3},"Student loan MONTHLY payment ",{"$nulls":8},"Child tax credits"]
[{"$nulls":3},"Other gross salary MONTHLY deductions (childcare vouchers, pension etc.)",{"$nulls":8},"Child benefit"]
[{"$nulls":3},"App 2 basic employment income(annual, gross):",{"$nulls":8},"Guaranteed maintenance income"]
[{"$nulls":3},"Overtime, Bonuses & Commissions:",{"$nulls":8},"Disability allowance"]
[{"$nulls":3},"Student loan MONTHLY payment ",{"$nulls":8},"Other income"]
[{"$nulls":3},"Other gross salary MONTHLY deductions (childcare vouchers, pension etc.)",{"$nulls":8},"Additional allowable monthly income",{"$f":"N16+N19+N20+N21","v":{"v":0,"d":"£0"}}]
[{"$nulls":3},"Gross annual household income (from employment):",{"$nulls":4},{"$f":"SUM(I15,(I16*0.5),I19,(I20*0.5))","v":{"v":0,"d":"£0"}}]
[{"$nulls":3},"Net monthly employment income (for sustainability):",{"$nulls":4},{"$f":"IF(I15-I17*12-I18*12+0.5*I16<G45,(I15-I17*12-I18*12+0.5*I16)/12,IF(I15<F45,((I15-I17*12-I18*12+(0.5*I16)-G45)*(1-I45)+G45-(K45*(I15-I17*12-I18*12+(0.5*I16)-L45)))/12,(((I15-I17*12-I18*12+(0.5*I16)-F45)*(1-J45))+((F45-G45)*(1-I45))+G45-(K45*(F45-L45))-(M45*(I15-I17*12-I18*12+(0.5*I16)-F45)))/12))+IF(I19-I21*12-I22*12+0.5*I20<G45,(I19-I21*12-I22*12+0.5*I20)/12,IF(I19<F45,((I19-I21*12-I22*12+(0.5*I20)-G45)*(1-I45)+G45-(K45*(I19-I21*12-I22*12+(0.5*I20)-L45)))/12,(((I19-I21*12-I22*12+(0.5*I20)-F45)*(1-J45))+((F45-G45)*(1-I45))+G45-(K45*(F45-L45))-(M45*(I19-I21*12-I22*12+(0.5*I20)-F45)))/12))","v":{"v":0,"d":"£0"}}]
[{"$nulls":3},"Total gross annual income (from all sources - for IMS)",{"$nulls":4},{"$f":"I23+(12*N22)","v":{"v":0,"d":"£0"}}]
[]
[]
[null,"DEBT",null,"Monthly loan/HP payments:",{"$nulls":6},"MORTGAGE AND DEPOSIT",{"$f":"\"Mortgage term required (max \"&H46&\"):\"","v":"Mortgage term required (max 40):"},null,25]
[{"$nulls":3},"Outstanding credit card balances:",{"$nulls":7},"Mortgage interest rate (assumed follow-on/variable mortgage rate after initial mortgage product expiry):",null,{"v":0.048,"d":"4.80%"}]
[{"$nulls":3},"Total monthly debt outgoings",{"$nulls":4},{"$f":"I28+(I29*0.03)","v":{"v":0,"d":"£0"}},null,null,{"$f":"\"Lender deposit requirement (£\"&N30*I12&\")\"","v":"Lender deposit requirement (£0)"},null,{"v":0.05,"d":"5%"}]
[{"$nulls":11},"Actual applicant cash contribution"]
[null,{"v":0.8,"d":"80%"},null,"Monthly service charge"]
[{"$nulls":3},"Monthly equity payment",{"$nulls":4},{"$f":"($F$47*((100%-B38)*I12))/12","v":{"v":0,"d":"£0"}}]
[]
[]
[null,"If you have any queries about this form, please contact your Local Homebuy agent"]
[null,"Total equity to purchase",null,"Applicants' equity value","Equity loan £","Equity loan %","Customer cash contribution","Sufficient deposit for lender?","Mortgage requirement (Min 25%)","Mortgage %",{"$f":"\"Income multiple\n(max \"&F48&\")\"","v":"Income multiple\n(max 4.5)"},{"$f":"\"IMS Income multiple\n(max \"&F48&\")\"","v":"IMS Income multiple\n(max 4.5)"},"Mortgage (pcm)","Equity Rent + Service Charge",{"$f":"\"Debt to household income ratio (max \"&F50*100&\"%)\"","v":"Debt to household income ratio (max 45%)"}]
[null,{"v":0.8100000000000002,"d":"81%"},null,{"$f":"B38*I12","v":{"v":0,"d":"£0"}},{"$f":"I12-D38","v":{"v":0,"d":"£0"}},{"$f":"100%-B38","v":{"v":0.18999999999999984,"d":"19%"}},{"$f":"N31","v":{"v":0,"d":"£0"}},{"$f":"IF(G38>=($I$12*$N$30),\"YES\",\"NO\")","v":"YES"},{"$f":"D38-G38","v":{"v":0,"d":"£0"}},{"$f":"I38/I12","v":{"$error":"#DIV/0!"}},{"$f":"I38/($I$23+(12*$N$22)-(12*$I$30))","v":{"$error":"#DIV/0!"}},{"$f":"I38/($I$23+(12*$N$22))","v":{"$error":"#DIV/0!"}},{"$f":"(I38*(1+$N$29/12)*(1/(1+$N$29/12)-1))/((1/(1+$N$29/12))^($N$28*12)-1)","v":{"v":0,"d":"£0.00"}},{"$f":"$I$32+$I$33","v":{"v":0,"d":"£0.00"}},{"$f":"IF($I$23>0,(M38+N38)/(I24+$N$22-$I$30),0)","v":{"v":0,"d":"0%"}}]
[null,{"v":0.8,"d":"80%"}]
[]
[]
[]
[]
[{"$nulls":5},"upper tax","tax free","lower tax","lower tax","upper tax","NI","NI free","Upper NI rate"]
[null,"Upper tax band",{"$nulls":3},50000,12500,37500,{"v":0.2,"d":"20.00%"},{"v":0.4,"d":"40.00%"},{"v":0.12,"d":"12.00%"},{"v":8632,"d":"8632.00"},{"v":0.02,"d":"2.00%"}]
[null,"higher age",{"$nulls":3},{"$f":"IF(L6=\"\",0,IF(L7=\"\",L6,IF(L6>L7,L6,L7)))","v":0},"max mortg",{"$f":"IF(F46<36,40,75-F46)","v":40}]
[null,"Annual equity payment rate %",{"$nulls":3},{"v":0.0175,"d":"1.75%"}]
[null,"Max income ratio",{"$nulls":3},4.5,{"$f":"F48+0.00000001","v":{"v":4.50000001,"d":"4.5"}}]
[null,"Equity %",{"$nulls":3},{"v":0.6,"d":"60%"},{"$f":"F49+1%","v":{"v":0.61,"d":"61%"}},{"$f":"G49+1%","v":{"v":0.62,"d":"62%"}},{"v":0.63,"d":"63%"},{"v":0.64,"d":"64%"},{"v":0.65,"d":"65%"},{"v":0.66,"d":"66%"},{"v":0.67,"d":"67%"},{"v":0.68,"d":"68%"},{"v":0.6900000000000001,"d":"69%"},{"v":0.7000000000000001,"d":"70%"},{"v":0.7100000000000001,"d":"71%"},{"v":0.7200000000000001,"d":"72%"},{"v":0.7300000000000001,"d":"73%"},{"v":0.7400000000000001,"d":"74%"},{"v":0.7500000000000001,"d":"75%"},{"v":0.7600000000000001,"d":"76%"},{"v":0.7700000000000001,"d":"77%"},{"v":0.7800000000000001,"d":"78%"},{"v":0.7900000000000001,"d":"79%"},{"v":0.8000000000000002,"d":"80%"},{"v":0.8100000000000002,"d":"81%"},{"v":0.8200000000000002,"d":"82%"},{"v":0.8300000000000002,"d":"83%"},{"v":0.8400000000000002,"d":"84%"},{"v":0.8500000000000002,"d":"85%"},{"v":0.8600000000000002,"d":"86%"},{"v":0.8700000000000002,"d":"87%"},{"v":0.8800000000000002,"d":"88%"},{"v":0.8900000000000002,"d":"89%"},{"v":0.9000000000000002,"d":"90%"},{"$f":"AJ49+1%","v":{"v":0.9100000000000003,"d":"91%"}},{"$f":"AK49+1%","v":{"v":0.9200000000000003,"d":"92%"}},{"$f":"AL49+1%","v":{"v":0.9300000000000003,"d":"93%"}},{"$f":"AM49+1%","v":{"v":0.9400000000000003,"d":"94%"}},{"v":0.9500000000000003,"d":"95%"}]
[null,"Max debt to income ratio",{"$nulls":3},{"v":0.45,"d":"45%"}]