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<calculator>
  <styles>
    <GraphColors dataset1="#00BDF2" dataset2="#002D72" />
  </styles>
  <vos>
    <common>
      <Footer type="cdata"><![CDATA[Note: The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for the product. Using the calculator does not guarantee you will be eligible for a loan. You will need to satisfy a lender's loan criteria. Individual lenders may take different approaches to determining loan repayments to those used in this calculator. For example, lenders may add additional serviceability buffers over and above those used by the calculator. Information such as interest rates quoted and default figures used in the assumptions are subject to change. Assumptions may be updated from time to time to reflect changed circumstances. Results are based on information you have provided and do not take your personal circumstances into account. This calculator is not intended to be relied on for the purposes of making a decision in relation to a financial product. You should consider obtaining advice from a financial services licensee before making any financial decisions. Calculator © InfoChoice 2020.
]]></Footer>
    </common>
    <whereCanIBuy>
      <State index="0" />
      
      <FHOGAmount type="num" default="30000" min="1000" max="2000000" step="1000" />
      <Deposit type="num" max="1000000" default="1000" min="1000" step="1000" />
      <PropertyValue type="num" default="30000" min="1000" max="2000000" step="1000" />
      <FHOGEligible value="False" />
      <PropertyType value="House" />
      <FHOGAmountForm label="Loan Amount" />
      <DepositForm label="Deposit Available" />
      <PropertyValueForm label="Property Value" />
      <PropertyTypeForm label="Property Type" />
      <FHOGEligibleForm label="First Home Owners Grant" />
      <StateForm label="State" />
      <RegionForm label="Region" />
      <LoanAmountRanges value="0,1000000,2000000,5000000,2000000" />
      <LoanAmountValues value="10000,50000,200000,500000" />
      <LoanAmountInputMax value="10000000" />
    </whereCanIBuy>
    <borrowingPower>
      <RoundTo type="num" default="1000" min="100" max="1000" />
      <RoundAbove type="num" default="1000" min="100" max="10000" />
      <LoanAmount type="num" default="300000" min="0" max="10000000" step="1000" />
      <LowestLoan type="num" default="1000" min="100" />
      <LoanTerm type="num" default="25" min="3" max="40" step="1" />
      <NoOfDependants type="num" max="10" default="0" min="0" step="10" />
      <Salary1 type="num" default="4000" min="0" max="5000000" step="100" />
      <Salary2 type="num" max="5000000" step="100" default="1000" min="0" />
      <Assumption1 type="num" default="100" max="100" min="0" step="0.25" />
      <DependantExpense type="num" default="6507.00" max="1000000" min="0.0" step="1" />
      <Assumption3 type="num" default="2.5" max="8" min="0.0" step="0.25" />
      <Assumption4 type="num" default="22" min="0.0" max="22" step="0.25" />
      <OtherNetIncome default="1000" min="0" max="5000000" step="100" />
      <OtherLoanRepayment default="0" min="0" max="10000" step="100" />
      <CreditCardLimit default="15000" min="0" max="100000" step="1000" />
      <IsJointApplication value="Yes" />
      <OtherNetIncomeFreq type="list" selectedindex="2">Weekly,Fortnightly,Monthly,Annually</OtherNetIncomeFreq>
      <OtherRepaymentFreq type="list" selectedindex="2">Weekly,Fortnightly,Monthly,Annually</OtherRepaymentFreq>
      <InterestRateForm label="Interest Rate" />
      <LoanTermForm label="Loan Period" />
      <NoOfDependantsForm label="Number of Dependents" />
      <Salary1Form label="Your Net Income" />
      <Salary2Form label="Partner's Net Income" />
      <OtherNetIncomeForm label="Other Net Income" />
      <OtherLoanRepaymentForm label="Loan Repayments" />
      <CreditCardLimitForm label="Credit Card Limit (all cards)" />
      <Assumption1Form label="Max % of Available Income" />
      <Assumption2Form label="Annual Expenses" />
      <DependantExpenseForm label="Extra Dependent Annual Expense" />
      <Assumption3Form label="Interest Rate Buffer" />
      <Assumption4Form label="Credit Card Interest Rate Charged" />
      <IsJointApplicationForm label="Joint Application?" />
      <UserSalaryRangeWeekly min="0" max="10000" />
      <UserSalaryRangeFortnightly min="0" max="20000" />
      <UserSalaryRangeMonthly min="0" max="50000" />
      <UserSalaryRangeAnnually min="0" max="500000" />
      <PartnerSalaryRangeWeekly min="0" max="10000" />
      <PartnerSalaryRangeFortnightly min="0" max="20000" />
      <PartnerSalaryRangeMonthly min="0" max="50000" />
      <PartnerSalaryRangeAnnually min="0" max="500000" />
      <OtherNetIncomeRangeWeekly min="0" max="10000" />
      <OtherNetIncomeRangeFortnightly min="0" max="20000" />
      <OtherNetIncomeRangeMonthly min="0" max="50000" />
      <OtherNetIncomeRangeAnnually min="0" max="500000" />
      <IncomeStepRanges value="0,10000,30000,50000" />
      <IncomeStepValues value="100,1000,5000" />
      <IncomeInputMaxValue value="5000000" />
      <InterestRate type="num" default="4.50" max="20" min="0" step="0.25" />
      <AssumptionAnnualExpenses min="0" max="1000000" step="1000" />
      <Assumption2 type="num" min="0.0" max="1000000" step="1000" />
      
    </borrowingPower>
    
  </vos>
  <components>
    <ShowPoweredByInfochoice value="false" />
  </components>
</calculator>

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