{"text_format":"1","workbook":"xlsx","n_sheets":4,"sheets":["MENU","Premium","Rate Cards","DATA"],"not_rendered":{"charts":1,"images":4,"macros":1,"external_links":1,"defined_names":31,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"MENU","index":0,"n_rows":36,"n_cols":9,"rows_kept":36,"cut":false,"hidden":false,"merged":[[28,5,28,11],[29,5,31,11],[135,1,138,11],[9,12,9,14],[24,6,24,9],[25,6,25,7],[25,8,25,9],[26,6,26,7],[26,8,26,9]]}
[]
[]
[]
[]
[]
[null,null,null,null,null,"Enables you to calculate the Lenders Mortgage Insurance (LMI) "]
[null,null,null,null,null,"premium rate for your customers in our easy-to-use spreadsheet"]
[null,null,null,null,null,"In just a few steps, you will obtain the applicable premium rate"]
[null,null,null,null,null,"The calculator will be updated and reissued to you by Helia to "]
[null,null,null,null,null,"reflect any changes to our policy or pricing, ensuring you receive the"]
[null,null,null,null,null,"most accurate premium rate."]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,"The Quick Guide details how to use the Helia LMI Premium"]
[null,null,null,null,null,"Calculator. If you have any questions please contact your"]
[null,null,null,null,null,"Helia Relationship Manager."]
[]
[]
[]
[null,null,null,null,null,"Disclaimer"]
[null,null,null,null,null,null,{"$f":"Premium!O54","v":"VERSION NO. 20250525"}]
[null,null,null,null,null,null,"Effective date",null,{"$f":"Premium!G54","v":"2026-07-01"}]
[null,null,null,null,null,null,"Valid until ",null,{"$f":"Premium!K54","v":"2028-07-30"}]
[]
[null,null,null,null,null,"Prepared for:"]
[null,null,null,null,null,{"$f":"Premium!G4","v":"BC Invest LMI Premium Calculator"}]
[]
[]
[null,null,null,null,null," "]
["  Confidential. Helia Insurance Pty Limited ABN 60 106 974 305. "]
["  ® Helia and the Helia logo are registered service marks of Helia Insurance Pty Limited and used pursuant to licence."]
["  © 2022 Helia Group Limited. All rights reserved."]

{"sheet":"Premium","index":1,"n_rows":79,"n_cols":26,"rows_kept":79,"cut":false,"hidden":false,"merged":[[47,13,47,14],[4,4,4,6],[48,13,48,14]]}
[]
[]
[]
[null,null,null,null,null,null,"BC Invest LMI Premium Calculator"]
[null,null,null,null,"Click on any field label below for a description of required content.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"RITC - (1=Yes, 2=No)",{"$f":"DATA!$C$80","v":1}]
[]
[null,null,null,null,"POLICY DETAILS",null,null,null,"LOAN DETAILS",null,null,null,null,null,"TOTAL LOAN AMOUNT"]
[]
[null,null,null,null,"Borrower Name",null,null,null,"Predominant Loan Purpose",null,1]
[]
[null,null,null,null,"Lenders Reference Number",null,null,null,"New Loan or Top-up?",null,1,null,null,null,"TOTAL CAPITALISED LOAN AMOUNT"]
[]
[null,null,null,null,"LMI Product",null,1,null,"New Loan Amount"]
[]
[null,null,null,null,"Self Employed?",null,1,null,"Existing Loan Balance",null,null,null,null,null,"TOTAL SECURITY VALUE"]
[]
[null,null,null,null,"First Home Buyer?",null,2,null,"Loan Term",null,1]
[]
[null,null,null,null,"Capitalise premium?",null,2,null,{"$f":"IF($K$11=2,\"Premium credit amount\",\"\")","v":""},null,null,null,null,null,"TOTAL PREMIUM PAYABLE"]
[]
[null,null,null,null,{"$f":"IF(AND($G$17=1,$K$9>1),\"Error: FHB Not eligible\",\"\")","v":""},null,{"$f":"IF($G$13=2,IF($G$17=1,\"Error: FHB not eligible\",\"\"),\"\")","v":""},null,{"$f":"IF( OR($G$13=2,$G$13=3),IF($K$17>1,\"Error: LMI Product Mismatch\",\"\"),\"\")","v":""},null,{"$f":"IF($K$11=1,IF($K$19<>\"Not Used\",IF($K$19>0,\"Error: Reset\",\"\"),\"\"),\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"K13/I30","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"1-Z21","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,{"$f":"IF($K$11=2,IF($G$17=1,\"Note: FHB eligible for Construction Top Ups only\",\"\"),\"\")","v":""},null,{"$f":"IF( OR($G$13=2,$G$13=3,$G$13=4),IF($K$28<>1,\"Error: Monthly premium not eligible\",\"\"),\"\")","v":""}]
[]
[]
[null,null,null,null,"SECURITY DETAILS",null,{"$f":"IF(AND($I$30>0,OR($E$30=1,$G$30=1)),\"Please enter State & Occupancy Type\",IF(AND($I$32>0,OR($E$32=1,$G$32=1)),\"Please enter State & Occupancy Type\",IF(AND($I$34>0,OR($E$34=1,$G$34=1)),\"Please enter State & Occupancy Type\",IF(AND($I$36>0,OR($E$36=1,$G$36=1)),\"Please enter State & Occupancy Type\",IF(AND($I$38>0,OR($E$38=1,$G$38=1)),\"Please enter State & Occupancy Type\",\"\")))))","v":""},null,null,null,"PAYMENT OPTION"]
[]
[null,null,null,null,"STATE OF SECURITY",null,"OCCUPANCY TYPE",null,"VALUE",null,1]
[]
[null,null,null,null,1,null,1,null,null,null,null,null,null,null,"BASE LVR %"]
[]
[null,null,null,null,1,null,1]
[]
[null,null,null,null,1,null,1,null,null,null,null,null,null,null,"CAPITALISED LVR %"]
[]
[null,null,null,null,1,null,1]
[]
[null,null,null,null,1,null,1]
[]
[]
[]
[null,null,null,null,"PREMIUM PAYABLE TO HELIA",null,null,null,"LENDER's CHARGE TO BORROWER"]
[]
[null,null,null,null,"Premium",null,null,null,"Full upfront Premium"]
[]
[null,null,null,null,"GST. (1/11th of Premium)",null,null,null,"GST. (25% x 1/11th of Premium)",null,null,null,null,null,"DATE"]
[]
[null,null,null,null,"Stamp Duty",null,null,null,"Stamp Duty",null,null,null,null,{"$f":"TODAY()","v":"2026-06-02"}]
[]
[null,null,null,null,"Total Premium",null,null,null,"Total Full upfront Premium"]
[]
[]
[]
[null,null,null,null,"EFFECTIVE DATE:",null,"2026-07-01",null,"VALID UNTIL:",null,"2028-07-30",null,null,null,"VERSION NO. 20250525"]
[]
[]
[]
[null,"*Please contact the customer service center at 1300 661 118 between 8:30 am and 5:30 pm AEST for any queries."]
[]
[null,null,null,null,"PREMIUM PAYABLE TO GENWORTH",null,{"$f":"IF(AND($O$62<>0,$O$66<>0,$O$70<>0,$O$74<>0,$E$21=\"\",$E$23=\"\",$G$21=\"\",$G$23=\"\",$I$21=\"\",$K$21=\"\",$G$26=\"\",$G$62<>\"Refer\"),\"\",\"**********Error**********\")","v":"**********Error**********"},null,"LENDER's CHARGE TO BORROWER",null,{"$f":"IF(AND($O$62<>0,$O$66<>0,$O$70<>0,$O$74<>0,$E$21=\"\",$E$23=\"\",$G$21=\"\",$G$23=\"\",$I$21=\"\",$K$21=\"\",$G$26=\"\",$G$62<>\"Refer\"),\"\",\"**********Error**********\")","v":"**********Error**********"},null,null,null,"TOTAL LOAN AMOUNT",null,null,null,null,"BASE LVR %"]
[]
[null,null,null,null,{"$f":"IF(K28>1,\"Monthly Premium\",IF(K11=2,\"Premium on Total Loan\",\"Premium\"))","v":"Premium"},null,{"$f":"IF(ISERROR(DATA!$L$119-$G$64),\"Refer\",(DATA!$L$119-$G$64))","v":"Refer"},null,{"$f":"CONCATENATE(INDEX(Reg_Prem_Payment_Options,K28))","v":"Full upfront Premium"},null,{"$f":"IF(DATA!$C$80=1,$G$62,\"N/A\")","v":"Refer"},null,null,null,{"$f":"$K$13+$K$15","v":0},null,null,null,null,{"$f":"IF(DATA!$H$29=0,\"0.00%\",DATA!$G$61)","v":"0.00%"}]
[]
[null,null,null,null,"GST. (1/11th of Premium)",null,{"$f":"IF(OR(OR(G23<>\"\",G26<>\"\"),ISERROR(DATA!$L$119/11)),\"Refer\",ROUND(DATA!$L$119/11,2))","v":"Refer"},null,"GST. (25% x 1/11th of Premium)",null,{"$f":"IF(DATA!$C$80=1,IF(ISERROR($G$64*0.25),\"Refer\",ROUND($G$64*0.25,2)),\"N/A\")","v":"Refer"},null,null,null,"TOTAL CAPITALISED LOAN AMOUNT",null,null,null,null,"CAPITALISED LVR %"]
[]
[null,null,null,null,"Stamp Duty",null,{"$f":"IF(OR(OR(G23<>\"\",G26<>\"\"),ISERROR(DATA!$K$29)),\"Refer\",DATA!$K$29)","v":0},null,"Stamp Duty",null,{"$f":"IF(DATA!$C$80=1,$G$66,\"N/A\")","v":0},null,null,null,{"$f":"IF(K28=1, DATA!$C$84,\"N/A\")","v":0},null,null,null,null,{"$f":"IF(K28=1,DATA!$C$85,\"N/A\")","v":0}]
[]
[null,null,null,null,"Total Premium",null,{"$f":"SUM(G62:G66)","v":0},null,{"$f":"CONCATENATE(\"Total \", INDEX(Reg_Prem_Payment_Options,K28))","v":"Total Full upfront Premium"},null,{"$f":"SUM(K62:K66)","v":0},null,null,null,"TOTAL SECURITY VALUE"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM($I$30:$I$38)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TOTAL PREMIUM PAYABLE"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"$G$68","v":0}]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Error Message"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($O$62=0,\"ERROR: PLEASE ENTER A LOAN AMOUNT\",IF(AND($G$17=1,$K$9>1),\"Error: FHB Not eligible\",IF($K$11=2,IF($G$17=1,\"Error: FHB not eligible\",\"\"),IF($G$13=2,IF($G$17=1,\"Error: FHB not eligible\",\"\"),IF($T$66>0.95,\"ERROR: TOTAL CAPITALISED LVR EXCEEDS 95%\",\"\")))))","v":"ERROR: PLEASE ENTER A LOAN AMOUNT"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND($O$62=0,$O$66=0,$O$70=0,$O$74=0,$E$21=\"\",$E$23=\"\",$G$21=\"\",$I$21=\"\",$K$21=\"\",$G$62=\"Refer\"),\"\",\"**********Error**********\")","v":""}]

{"sheet":"Rate Cards","index":2,"n_rows":328,"n_cols":25,"rows_kept":328,"cut":false,"hidden":true,"merged":[[117,2,117,11],[117,15,117,24],[177,15,177,24],[27,2,27,11],[27,15,27,24],[57,2,57,11],[57,15,57,24],[87,2,87,11],[87,15,87,24],[207,2,207,11],[207,15,207,24],[177,2,177,11],[147,2,147,11],[147,15,147,24],[297,2,297,11],[297,15,297,24],[327,2,327,11],[327,15,327,24],[237,2,237,11],[237,15,237,24],[267,2,267,11],[267,15,267,24]]}
["STANDARD\n\n",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $5.0M",null,"STANDARD\nFirst Home Buyer",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $5.0M"]
[null,null,0,300001,500001,600001,750001,1000001,1500001,2000001,2500001,3000001,null,null,null,0,300001,500001,600001,750001,1000001,1500001,2000001,2500001,3000001]
["Up to 60%",1.0000000000000001E-5,0.4,0.42,0.44999999999999996,0.44999999999999996,0.44999999999999996,0.5,0.5,0.5,0.5,0.5,null,"Up to 60%",1.0000000000000001E-5,0.36,0.38,0.41,0.41,0.41,0.45,0.45,0.45,0.45,0.45]
["above 60% to 65%",0.60001000000000004,0.42,0.45999999999999996,0.57999999999999996,0.57999999999999996,0.57999999999999996,0.64,0.64,0.64,0.64,0.64,null,"above 60% to 65%",0.60001000000000004,0.38,0.41,0.52,0.52,0.52,0.57999999999999996,0.57999999999999996,0.57999999999999996,0.57999999999999996,0.57999999999999996]
["above 65% to 70%",0.65000999999999998,0.44,0.48,0.66,0.66,0.66,0.73,0.73,0.73,0.73,0.73,null,"above 65% to 70%",0.65000999999999998,0.4,0.43,0.59,0.59,0.59,0.66,0.66,0.66,0.66,0.66]
["above 70% to 75%",0.70001000000000002,0.45999999999999996,0.53,0.89,0.89,0.89,0.98,0.98,0.98,0.98,0.98,null,"above 70% to 75%",0.70001000000000002,0.41,0.48,0.8,0.8,0.8,0.88,0.88,0.88,0.88,0.88]
["above 75% to 80%",0.75000999999999995,0.51,0.57999999999999996,0.96,0.96,0.96,1.06,1.06,1.06,1.06,1.06,null,"above 75% to 80%",0.75000999999999995,0.46,0.52,0.86,0.86,0.86,0.95,0.95,0.95,0.95,0.95]
["above 80% to 81%",0.80001,0.57000000000000006,0.66,1.05,1.05,1.05,1.1599999999999999,1.1599999999999999,1.1599999999999999,1.1599999999999999,1.1599999999999999,null,"above 80% to 81%",0.80001,0.51,0.59,0.95,0.95,0.95,1.04,1.04,1.04,1.04,1.04]
["above 81% to 82%",0.81001000000000001,0.57999999999999996,0.66,1.05,1.05,1.05,1.1599999999999999,1.1599999999999999,1.1599999999999999,1.1599999999999999,1.1599999999999999,null,"above 81% to 82%",0.81001000000000001,0.52,0.59,0.95,0.95,0.95,1.04,1.04,1.04,1.04,1.04]
["above 82% to 83%",0.82001000000000002,0.80999999999999994,1,1.23,1.23,1.23,1.35,1.35,1.35,1.35,1.35,null,"above 82% to 83%",0.82001000000000002,0.73,0.9,1.1100000000000001,1.1100000000000001,1.1100000000000001,1.22,1.22,1.22,1.22,1.22]
["above 83% to 84%",0.83001000000000003,0.80999999999999994,1,1.31,1.31,1.31,1.44,1.44,1.44,1.44,1.44,null,"above 83% to 84%",0.83001000000000003,0.73,0.9,1.18,1.18,1.18,1.3,1.3,1.3,1.3,1.3]
["above 84% to 85%",0.84001000000000003,1.02,1.32,1.51,1.51,1.51,1.66,1.66,1.66,1.66,1.66,null,"above 84% to 85%",0.84001000000000003,0.92,1.19,1.36,1.36,1.36,1.49,1.49,1.49,1.49,1.49]
["above 85% to 86%",0.85001000000000004,1.05,1.32,1.6500000000000001,1.6500000000000001,1.6500000000000001,1.81,1.81,1.81,1.81,1.81,null,"above 85% to 86%",0.85001000000000004,0.95,1.19,1.49,1.49,1.49,1.63,1.63,1.63,1.63,1.63]
["above 86% to 87%",0.86001000000000005,1.24,1.5,1.83,1.83,1.83,2.0099999999999998,2.0099999999999998,2.0099999999999998,2.0099999999999998,2.0099999999999998,null,"above 86% to 87%",0.86001000000000005,1.1200000000000001,1.35,1.65,1.65,1.65,1.81,1.81,1.81,1.81,1.81]
["above 87% to 88%",0.87000999999999995,1.24,1.5,1.9300000000000002,1.9300000000000002,1.9300000000000002,2.13,2.13,2.13,2.13,2.13,null,"above 87% to 88%",0.87000999999999995,1.1200000000000001,1.35,1.74,1.74,1.74,1.92,1.92,1.92,1.92,1.92]
["above 88% to 89%",0.88000999999999996,1.6099999999999999,2.11,2.4699999999999998,2.4699999999999998,2.4699999999999998,2.71,2.71,2.71,2.71,2.71,null,"above 88% to 89%",0.88000999999999996,1.45,1.9,2.2200000000000002,2.2200000000000002,2.2200000000000002,2.44,2.44,2.44,2.44,2.44]
["above 89% to 90%",0.89000999999999997,1.81,2.2999999999999998,2.93,2.93,2.93,3.2199999999999998,3.2199999999999998,3.2199999999999998,3.2199999999999998,3.2199999999999998,null,"above 89% to 90%",0.89000999999999997,1.63,2.0699999999999998,2.64,2.64,2.64,2.9,2.9,2.9,2.9,2.9]
["above 90% to 91%",0.90000999999999998,2.3199999999999998,2.9899999999999998,4.04,4.04,4.04,4.4400000000000004,4.4400000000000004,4.4400000000000004,4.4400000000000004,4.4400000000000004,null,"above 90% to 91%",0.90000999999999998,2.09,2.69,3.64,3.64,3.64,4,4,4,4,4]
["above 91% to 92%",0.91000999999999999,2.3199999999999998,2.9899999999999998,4.2,4.2,4.2,4.62,4.62,4.62,4.62,4.62,null,"above 91% to 92%",0.91000999999999999,2.09,2.69,3.78,3.78,3.78,4.16,4.16,4.16,4.16,4.16]
["above 92% to 93%",0.92000999999999999,2.67,3.38,4.3600000000000003,4.3600000000000003,4.3600000000000003,4.8,4.8,4.8,4.8,4.8,null,"above 92% to 93%",0.92000999999999999,2.4,3.04,3.92,3.92,3.92,4.32,4.32,4.32,4.32,4.32]
["above 93% to 94%",0.93001,2.67,3.38,4.7699999999999996,4.7699999999999996,4.7699999999999996,5.25,5.25,5.25,5.25,5.25,null,"above 93% to 94%",0.93001,2.4,3.04,4.29,4.29,4.29,4.7300000000000004,4.7300000000000004,4.7300000000000004,4.7300000000000004,4.7300000000000004]
["above 94% to 95%",0.94001000000000001,2.97,3.73,5.01,5.01,5.01,5.5100000000000007,5.5100000000000007,5.5100000000000007,5.5100000000000007,5.5100000000000007,null,"above 94% to 95%",0.94001000000000001,2.67,3.36,4.51,4.51,4.51,4.96,4.96,4.96,4.96,4.96]
["above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
[null,null,"MINIMUM PREMIUM - FLAT FEE (WHERE APPLICABLE) OTHERWISE $1200",null,null,null,null,null,null,null,null,null,null,null,null,"MINIMUM PREMIUM - FLAT FEE (WHERE APPLICABLE) OTHERWISE $1200"]
[]
[]
["Business Select",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $3.5M",null,"Business Select\nFirst Home Buyer",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $3.5M"]
[null,null,0,300001,500001,600001,750001,1000001,1500001,2000001,2500001,3000001,null,null,null,0,300001,500001,600001,750001,1000001,1500001,2000001,2500001,3000001]
["Up to 60%",1.0000000000000001E-5,0.6,0.63,0.68,0.68,0.68,0.75,0.75,0.75,0.75,0.75,null,"Up to 60%",1.0000000000000001E-5,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 60% to 65%",0.60001000000000004,0.66,0.72,0.99,0.99,0.99,1.1000000000000001,1.1000000000000001,1.1000000000000001,1.1000000000000001,1.1000000000000001,null,"above 60% to 65%",0.60001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 65% to 70%",0.65000999999999998,0.66,0.72,0.99,0.99,0.99,1.1000000000000001,1.1000000000000001,1.1000000000000001,1.1000000000000001,1.1000000000000001,null,"above 65% to 70%",0.65000999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 70% to 75%",0.70001000000000002,0.89,1.02,1.68,1.68,1.68,1.86,1.86,1.86,1.86,1.86,null,"above 70% to 75%",0.70001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 75% to 80%",0.75000999999999995,0.89,1.02,1.68,1.68,1.68,1.86,1.86,1.86,1.86,1.86,null,"above 75% to 80%",0.75000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 80% to 81%",0.80001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 80% to 81%",0.80001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 81% to 82%",0.81001000000000001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 81% to 82%",0.81001000000000001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 82% to 83%",0.82001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 82% to 83%",0.82001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 83% to 84%",0.83001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 83% to 84%",0.83001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 84% to 85%",0.84001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 84% to 85%",0.84001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 85% to 86%",0.85001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 85% to 86%",0.85001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 86% to 87%",0.86001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 86% to 87%",0.86001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 87% to 88%",0.87000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 87% to 88%",0.87000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 88% to 89%",0.88000999999999996,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 88% to 89%",0.88000999999999996,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 89% to 90%",0.89000999999999997,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 89% to 90%",0.89000999999999997,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 90% to 91%",0.90000999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 90% to 91%",0.90000999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 91% to 92%",0.91000999999999999,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 91% to 92%",0.91000999999999999,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 92% to 93%",0.92000999999999999,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 92% to 93%",0.92000999999999999,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 93% to 94%",0.93001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 93% to 94%",0.93001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 94% to 95%",0.94001000000000001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 94% to 95%",0.94001000000000001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
[null,null,"MINIMUM PREMIUM - $1200",null,null,null,null,null,null,null,null,null,null,null,null,"MINIMUM PREMIUM - $1200"]
[]
[]
["SMSF",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $3.5M",null,"SMSF_FHB",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $3.5M"]
[null,null,0,300001,500001,600001,750001,1000001,1500001,2000001,2500001,3000001,null,null,null,0,300001,500001,600001,750001,1000001,1500001,2000001,2500001,3000001]
["Up to 60%",1.0000000000000001E-5,0.4,0.42,0.44999999999999996,0.44999999999999996,0.44999999999999996,0.5,0.5,0.5,0.5,0.5,null,"Up to 60%",1.0000000000000001E-5,0.36,0.38,0.41,0.41,0.41,0.45,0.45,0.45,0.45,0.45]
["above 60% to 65%",0.60001000000000004,0.42,0.45999999999999996,0.57999999999999996,0.57999999999999996,0.57999999999999996,0.64,0.64,0.64,0.64,0.64,null,"above 60% to 65%",0.60001000000000004,0.38,0.41,0.52,0.52,0.52,0.57999999999999996,0.57999999999999996,0.57999999999999996,0.57999999999999996,0.57999999999999996]
["above 65% to 70%",0.65000999999999998,0.44,0.48,0.66,0.66,0.66,0.73,0.73,0.73,0.73,0.73,null,"above 65% to 70%",0.65000999999999998,0.4,0.43,0.59,0.59,0.59,0.66,0.66,0.66,0.66,0.66]
["above 70% to 75%",0.70001000000000002,0.45999999999999996,0.53,0.89,0.89,0.89,0.98,0.98,0.98,0.98,0.98,null,"above 70% to 75%",0.70001000000000002,0.41,0.48,0.8,0.8,0.8,0.88,0.88,0.88,0.88,0.88]
["above 75% to 80%",0.75000999999999995,0.51,0.57999999999999996,0.96,0.96,0.96,1.06,1.06,1.06,1.06,1.06,null,"above 75% to 80%",0.75000999999999995,0.46,0.52,0.86,0.86,0.86,0.95,0.95,0.95,0.95,0.95]
["above 80% to 81%",0.80001,0.57000000000000006,0.66,1.05,1.05,1.05,1.1599999999999999,1.1599999999999999,1.1599999999999999,1.1599999999999999,1.1599999999999999,null,"above 80% to 81%",0.80001,0.51,0.59,0.95,0.95,0.95,1.04,1.04,1.04,1.04,1.04]
["above 81% to 82%",0.81001000000000001,0.57999999999999996,0.66,1.05,1.05,1.05,1.1599999999999999,1.1599999999999999,1.1599999999999999,1.1599999999999999,1.1599999999999999,null,"above 81% to 82%",0.81001000000000001,0.52,0.59,0.95,0.95,0.95,1.04,1.04,1.04,1.04,1.04]
["above 82% to 83%",0.82001000000000002,0.80999999999999994,1,1.23,1.23,1.23,1.35,1.35,1.35,1.35,1.35,null,"above 82% to 83%",0.82001000000000002,0.73,0.9,1.1100000000000001,1.1100000000000001,1.1100000000000001,1.22,1.22,1.22,1.22,1.22]
["above 83% to 84%",0.83001000000000003,0.80999999999999994,1,1.31,1.31,1.31,1.44,1.44,1.44,1.44,1.44,null,"above 83% to 84%",0.83001000000000003,0.73,0.9,1.18,1.18,1.18,1.3,1.3,1.3,1.3,1.3]
["above 84% to 85%",0.84001000000000003,1.02,1.32,1.51,1.51,1.51,1.66,1.66,1.66,1.66,1.66,null,"above 84% to 85%",0.84001000000000003,0.92,1.19,1.36,1.36,1.36,1.49,1.49,1.49,1.49,1.49]
["above 85% to 86%",0.85001000000000004,1.05,1.32,1.6500000000000001,1.6500000000000001,1.6500000000000001,1.81,1.81,1.81,1.81,1.81,null,"above 85% to 86%",0.85001000000000004,0.95,1.19,1.49,1.49,1.49,1.63,1.63,1.63,1.63,1.63]
["above 86% to 87%",0.86001000000000005,1.24,1.5,1.83,1.83,1.83,2.0099999999999998,2.0099999999999998,2.0099999999999998,2.0099999999999998,2.0099999999999998,null,"above 86% to 87%",0.86001000000000005,1.1200000000000001,1.35,1.65,1.65,1.65,1.81,1.81,1.81,1.81,1.81]
["above 87% to 88%",0.87000999999999995,1.24,1.5,1.9300000000000002,1.9300000000000002,1.9300000000000002,2.13,2.13,2.13,2.13,2.13,null,"above 87% to 88%",0.87000999999999995,1.1200000000000001,1.35,1.74,1.74,1.74,1.92,1.92,1.92,1.92,1.92]
["above 88% to 89%",0.88000999999999996,1.6099999999999999,2.11,2.4699999999999998,2.4699999999999998,2.4699999999999998,2.71,2.71,2.71,2.71,2.71,null,"above 88% to 89%",0.88000999999999996,1.45,1.9,2.2200000000000002,2.2200000000000002,2.2200000000000002,2.44,2.44,2.44,2.44,2.44]
["above 89% to 90%",0.89000999999999997,1.81,2.2999999999999998,2.93,2.93,2.93,3.2199999999999998,3.2199999999999998,3.2199999999999998,3.2199999999999998,3.2199999999999998,null,"above 89% to 90%",0.89000999999999997,1.63,2.0699999999999998,2.64,2.64,2.64,2.9,2.9,2.9,2.9,2.9]
["above 90% to 91%",0.90000999999999998,2.3199999999999998,2.9899999999999998,4.04,4.04,4.04,4.4400000000000004,4.4400000000000004,4.4400000000000004,4.4400000000000004,4.4400000000000004,null,"above 90% to 91%",0.90000999999999998,2.09,2.69,3.64,3.64,3.64,4,4,4,4,4]
["above 91% to 92%",0.91000999999999999,2.3199999999999998,2.9899999999999998,4.2,4.2,4.2,4.62,4.62,4.62,4.62,4.62,null,"above 91% to 92%",0.91000999999999999,2.09,2.69,3.78,3.78,3.78,4.16,4.16,4.16,4.16,4.16]
["above 92% to 93%",0.92000999999999999,2.67,3.38,4.3600000000000003,4.3600000000000003,4.3600000000000003,4.8,4.8,4.8,4.8,4.8,null,"above 92% to 93%",0.92000999999999999,2.4,3.04,3.92,3.92,3.92,4.32,4.32,4.32,4.32,4.32]
["above 93% to 94%",0.93001,2.67,3.38,4.7699999999999996,4.7699999999999996,4.7699999999999996,5.25,5.25,5.25,5.25,5.25,null,"above 93% to 94%",0.93001,2.4,3.04,4.29,4.29,4.29,4.7300000000000004,4.7300000000000004,4.7300000000000004,4.7300000000000004,4.7300000000000004]
["above 94% to 95%",0.94001000000000001,2.97,3.73,5.01,5.01,5.01,5.5100000000000007,5.5100000000000007,5.5100000000000007,5.5100000000000007,5.5100000000000007,null,"above 94% to 95%",0.94001000000000001,2.67,3.36,4.51,4.51,4.51,4.96,4.96,4.96,4.96,4.96]
["above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
[null,null,"MINIMUM PREMIUM - $1200",null,null,null,null,null,null,null,null,null,null,null,null,"MINIMUM PREMIUM - $1200"]
[]
[]
["Non Resident",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $3.5M",null,"Non Resident\nFirst Home Buyer",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $3.5M"]
[null,null,0,300001,500001,600001,750001,1000001,1500001,2000001,2500001,3000001,null,null,null,0,300001,500001,600001,750001,1000001,1500001,2000001,2500001,3000001]
["Up to 60%",1.0000000000000001E-5,{"$f":"+ROUND(C3*1.2,2)","v":0.48},{"$f":"+ROUND(D3*1.2,2)","v":0.5},0.54,0.54,0.54,0.6,0.6,0.6,0.6,"Refer",null,"Up to 60%",1.0000000000000001E-5,{"$f":"+C93","v":0.48},{"$f":"+D93","v":0.5},{"$f":"+E93","v":0.54},{"$f":"+F93","v":0.54},{"$f":"+G93","v":0.54},{"$f":"+H93","v":0.6},{"$f":"+I93","v":0.6},{"$f":"+J93","v":0.6},{"$f":"+K93","v":0.6},{"$f":"+L93","v":"Refer"}]
["above 60% to 65%",0.60001000000000004,{"$f":"+ROUND(C4*1.2,2)","v":0.5},0.55000000000000004,0.7,0.7,0.7,0.77,0.77,0.77,0.77,"Refer",null,"above 60% to 65%",0.60001000000000004,{"$f":"+C94","v":0.5},0.55000000000000004,0.7,0.7,0.7,0.77,0.77,0.77,0.77,"Refer"]
["above 65% to 70%",0.65000999999999998,{"$f":"+ROUND(C5*1.2,2)","v":0.53},0.57999999999999996,0.79,0.79,0.79,0.88,0.88,0.88,0.88,"Refer",null,"above 65% to 70%",0.65000999999999998,0.53,0.57999999999999996,0.79,0.79,0.79,0.88,0.88,0.88,0.88,"Refer"]
["above 70% to 75%",0.70001000000000002,{"$f":"+ROUND(C6*1.2,2)","v":0.55000000000000004},0.64,1.07,1.07,1.07,1.18,1.18,1.18,1.18,"Refer",null,"above 70% to 75%",0.70001000000000002,0.55000000000000004,0.64,1.07,1.07,1.07,1.18,1.18,1.18,1.18,"Refer"]
["above 75% to 80%",0.75000999999999995,{"$f":"+ROUND(C7*1.2,2)","v":0.61},0.7,1.1499999999999999,1.1499999999999999,1.1499999999999999,{"$f":"+ROUND(H7*1.2,2)","v":1.27},1.27,1.27,1.27,"Refer",null,"above 75% to 80%",0.75000999999999995,0.61,0.7,1.1499999999999999,1.1499999999999999,1.1499999999999999,1.27,1.27,1.27,1.27,"Refer"]
["above 80% to 81%",0.80001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 80% to 81%",0.80001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 81% to 82%",0.81001000000000001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 81% to 82%",0.81001000000000001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 82% to 83%",0.82001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 82% to 83%",0.82001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 83% to 84%",0.83001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 83% to 84%",0.83001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 84% to 85%",0.84001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 84% to 85%",0.84001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 85% to 86%",0.85001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 85% to 86%",0.85001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 86% to 87%",0.86001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 86% to 87%",0.86001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 87% to 88%",0.87000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 87% to 88%",0.87000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 88% to 89%",0.88000999999999996,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 88% to 89%",0.88000999999999996,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 89% to 90%",0.89000999999999997,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 89% to 90%",0.89000999999999997,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 90% to 91%",0.90000999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 90% to 91%",0.90000999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 91% to 92%",0.91000999999999999,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 91% to 92%",0.91000999999999999,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 92% to 93%",0.92000999999999999,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 92% to 93%",0.92000999999999999,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 93% to 94%",0.93001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 93% to 94%",0.93001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 94% to 95%",0.94001000000000001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 94% to 95%",0.94001000000000001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
[null,null,"MINIMUM PREMIUM - $1500",null,null,null,null,null,null,null,null,null,null,null,null,"MINIMUM PREMIUM - $1500"]
[]
[]
["Staff Discount ",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $3.5M",null,"Staff Discount FHB\n",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $3.5M"]
[null,null,0,300001,500001,600001,750001,1000001,1500001,2000001,2500001,3000001,null,null,null,0,300001,500001,600001,750001,1000001,1500001,2000001,2500001,3000001]
["Up to 60%",1.0000000000000001E-5,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"Up to 60%",1.0000000000000001E-5,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 60% to 65%",0.60001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 60% to 65%",0.60001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 65% to 70%",0.65000999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 65% to 70%",0.65000999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 70% to 75%",0.70001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 70% to 75%",0.70001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 75% to 80%",0.75000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 75% to 80%",0.75000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 80% to 81%",0.80001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 80% to 81%",0.80001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 81% to 82%",0.81001000000000001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 81% to 82%",0.81001000000000001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 82% to 83%",0.82001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 82% to 83%",0.82001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 83% to 84%",0.83001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 83% to 84%",0.83001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 84% to 85%",0.84001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 84% to 85%",0.84001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 85% to 86%",0.85001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 85% to 86%",0.85001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 86% to 87%",0.86001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 86% to 87%",0.86001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 87% to 88%",0.87000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 87% to 88%",0.87000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 88% to 89%",0.88000999999999996,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 88% to 89%",0.88000999999999996,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 89% to 90%",0.89000999999999997,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 89% to 90%",0.89000999999999997,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 90% to 91%",0.90000999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 90% to 91%",0.90000999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 91% to 92%",0.91000999999999999,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 91% to 92%",0.91000999999999999,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 92% to 93%",0.92000999999999999,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 92% to 93%",0.92000999999999999,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 93% to 94%",0.93001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 93% to 94%",0.93001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 94% to 95%",0.94001000000000001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 94% to 95%",0.94001000000000001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
[null,null,"MINIMUM PREMIUM - $1500",null,null,null,null,null,null,null,null,null,null,null,null,"MINIMUM PREMIUM - $1500"]
[]
[]
["Monthly Premium (Standard) - Borrower Paid LVR75% Owner Occupied",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $3.5M",null,"Monthly Premium FHB",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $3.5M"]
[null,null,0,300001,500001,600001,750001,1000001,1500001,2000001,2500001,3000001,null,null,null,0,300001,500001,600001,750001,1000001,1500001,2000001,2500001,3000001]
["Up to 60%",1.0000000000000001E-5,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"Up to 60%",1.0000000000000001E-5,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 60% to 65%",0.60001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 60% to 65%",0.60001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 65% to 70%",0.65000999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 65% to 70%",0.65000999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 70% to 75%",0.70001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 70% to 75%",0.70001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 75% to 80%",0.75000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 75% to 80%",0.75000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 80% to 81%",0.80001,2.0199999999999999E-2,2.2699999999999998E-2,2.2699999999999998E-2,2.6100000000000002E-2,2.6100000000000002E-2,2.7E-2,2.7E-2,2.7E-2,2.7E-2,2.7E-2,null,"above 80% to 81%",0.80001,1.8200000000000001E-2,2.0400000000000001E-2,2.0400000000000001E-2,2.35E-2,2.35E-2,2.4299999999999999E-2,2.4299999999999999E-2,2.4299999999999999E-2,2.4299999999999999E-2,2.4299999999999999E-2]
["above 81% to 82%",0.81001000000000001,2.0199999999999999E-2,2.2699999999999998E-2,2.2699999999999998E-2,2.6100000000000002E-2,2.6100000000000002E-2,2.7E-2,2.7E-2,2.7E-2,2.7E-2,2.7E-2,null,"above 81% to 82%",0.81001000000000001,1.8200000000000001E-2,2.0400000000000001E-2,2.0400000000000001E-2,2.35E-2,2.35E-2,2.4299999999999999E-2,2.4299999999999999E-2,2.4299999999999999E-2,2.4299999999999999E-2,2.4299999999999999E-2]
["above 82% to 83%",0.82001000000000002,2.0199999999999999E-2,2.2699999999999998E-2,2.2699999999999998E-2,2.6100000000000002E-2,2.6100000000000002E-2,2.7E-2,2.7E-2,2.7E-2,2.7E-2,2.7E-2,null,"above 82% to 83%",0.82001000000000002,1.8200000000000001E-2,2.0400000000000001E-2,2.0400000000000001E-2,2.35E-2,2.35E-2,2.4299999999999999E-2,2.4299999999999999E-2,2.4299999999999999E-2,2.4299999999999999E-2,2.4299999999999999E-2]
["above 83% to 84%",0.83001000000000003,2.2699999999999998E-2,2.4399999999999998E-2,2.4399999999999998E-2,2.7799999999999998E-2,2.7799999999999998E-2,2.9500000000000002E-2,2.9500000000000002E-2,2.9500000000000002E-2,2.9500000000000002E-2,2.9500000000000002E-2,null,"above 83% to 84%",0.83001000000000003,2.0400000000000001E-2,2.2000000000000002E-2,2.2000000000000002E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.6600000000000002E-2,2.6600000000000002E-2,2.6600000000000002E-2,2.6600000000000002E-2,2.6600000000000002E-2]
["above 84% to 85%",0.84001000000000003,2.4399999999999998E-2,2.7E-2,2.7E-2,3.0300000000000001E-2,3.0300000000000001E-2,3.2000000000000001E-2,3.2000000000000001E-2,3.2000000000000001E-2,3.2000000000000001E-2,3.2000000000000001E-2,null,"above 84% to 85%",0.84001000000000003,2.2000000000000002E-2,2.4299999999999999E-2,2.4299999999999999E-2,2.7300000000000001E-2,2.7300000000000001E-2,2.8799999999999999E-2,2.8799999999999999E-2,2.8799999999999999E-2,2.8799999999999999E-2,2.8799999999999999E-2]
["above 85% to 86%",0.85001000000000004,3.49E-2,3.6499999999999998E-2,3.6499999999999998E-2,4.0800000000000003E-2,4.0800000000000003E-2,4.3400000000000001E-2,4.3400000000000001E-2,4.3400000000000001E-2,4.3400000000000001E-2,4.3400000000000001E-2,null,"above 85% to 86%",0.85001000000000004,3.1399999999999997E-2,3.2899999999999999E-2,3.2899999999999999E-2,3.6699999999999997E-2,3.6699999999999997E-2,3.9100000000000003E-2,3.9100000000000003E-2,3.9100000000000003E-2,3.9100000000000003E-2,3.9100000000000003E-2]
["above 86% to 87%",0.86001000000000005,3.6499999999999998E-2,3.8300000000000001E-2,3.8300000000000001E-2,4.2499999999999996E-2,4.2499999999999996E-2,4.5100000000000001E-2,4.5100000000000001E-2,4.5100000000000001E-2,4.5100000000000001E-2,4.5100000000000001E-2,null,"above 86% to 87%",0.86001000000000005,3.2899999999999999E-2,3.4499999999999996E-2,3.4499999999999996E-2,3.8300000000000001E-2,3.8300000000000001E-2,4.0599999999999997E-2,4.0599999999999997E-2,4.0599999999999997E-2,4.0599999999999997E-2,4.0599999999999997E-2]
["above 87% to 88%",0.87000999999999995,3.8300000000000001E-2,4.0800000000000003E-2,4.0800000000000003E-2,4.4200000000000003E-2,4.4200000000000003E-2,4.7600000000000003E-2,4.7600000000000003E-2,4.7600000000000003E-2,4.7600000000000003E-2,4.7600000000000003E-2,null,"above 87% to 88%",0.87000999999999995,3.4499999999999996E-2,3.6699999999999997E-2,3.6699999999999997E-2,3.9800000000000002E-2,3.9800000000000002E-2,4.2799999999999998E-2,4.2799999999999998E-2,4.2799999999999998E-2,4.2799999999999998E-2,4.2799999999999998E-2]
["above 88% to 89%",0.88000999999999996,0.04,4.2499999999999996E-2,4.2499999999999996E-2,4.6700000000000005E-2,4.6700000000000005E-2,5.0199999999999995E-2,5.0199999999999995E-2,5.0199999999999995E-2,5.0199999999999995E-2,5.0199999999999995E-2,null,"above 88% to 89%",0.88000999999999996,3.6000000000000004E-2,3.8300000000000001E-2,3.8300000000000001E-2,4.2000000000000003E-2,4.2000000000000003E-2,4.5199999999999997E-2,4.5199999999999997E-2,4.5199999999999997E-2,4.5199999999999997E-2,4.5199999999999997E-2]
["above 89% to 90%",0.89000999999999997,4.2499999999999996E-2,4.4200000000000003E-2,4.4200000000000003E-2,4.8500000000000001E-2,4.8500000000000001E-2,5.1799999999999999E-2,5.1799999999999999E-2,5.1799999999999999E-2,5.1799999999999999E-2,5.1799999999999999E-2,null,"above 89% to 90%",0.89000999999999997,3.8300000000000001E-2,3.9800000000000002E-2,3.9800000000000002E-2,4.3700000000000003E-2,4.3700000000000003E-2,4.6600000000000003E-2,4.6600000000000003E-2,4.6600000000000003E-2,4.6600000000000003E-2,4.6600000000000003E-2]
["above 90% to 91%",0.90000999999999998,6.4399999999999999E-2,6.9499999999999992E-2,6.9499999999999992E-2,7.3899999999999993E-2,7.3899999999999993E-2,7.8100000000000003E-2,7.8100000000000003E-2,7.8100000000000003E-2,7.8100000000000003E-2,7.8100000000000003E-2,null,"above 90% to 91%",0.90000999999999998,5.8000000000000003E-2,6.2600000000000003E-2,6.2600000000000003E-2,6.6500000000000004E-2,6.6500000000000004E-2,7.0300000000000001E-2,7.0300000000000001E-2,7.0300000000000001E-2,7.0300000000000001E-2,7.0300000000000001E-2]
["above 91% to 92%",0.91000999999999999,6.8699999999999997E-2,7.3899999999999993E-2,7.3899999999999993E-2,7.7300000000000008E-2,7.7300000000000008E-2,8.1600000000000006E-2,8.1600000000000006E-2,8.1600000000000006E-2,8.1600000000000006E-2,8.1600000000000006E-2,null,"above 91% to 92%",0.91000999999999999,6.1799999999999994E-2,6.6500000000000004E-2,6.6500000000000004E-2,6.9599999999999995E-2,6.9599999999999995E-2,7.3399999999999993E-2,7.3399999999999993E-2,7.3399999999999993E-2,7.3399999999999993E-2,7.3399999999999993E-2]
["above 92% to 93%",0.92000999999999999,7.2900000000000006E-2,7.7300000000000008E-2,7.7300000000000008E-2,8.0599999999999991E-2,8.0599999999999991E-2,8.4999999999999992E-2,8.4999999999999992E-2,8.4999999999999992E-2,8.4999999999999992E-2,8.4999999999999992E-2,null,"above 92% to 93%",0.92000999999999999,6.5600000000000006E-2,6.9599999999999995E-2,6.9599999999999995E-2,7.2499999999999995E-2,7.2499999999999995E-2,7.6499999999999999E-2,7.6499999999999999E-2,7.6499999999999999E-2,7.6499999999999999E-2,7.6499999999999999E-2]
["above 93% to 94%",0.93001,7.640000000000001E-2,8.0599999999999991E-2,8.0599999999999991E-2,8.4999999999999992E-2,8.4999999999999992E-2,8.7600000000000011E-2,8.7600000000000011E-2,8.7600000000000011E-2,8.7600000000000011E-2,8.7600000000000011E-2,null,"above 93% to 94%",0.93001,6.88E-2,7.2499999999999995E-2,7.2499999999999995E-2,7.6499999999999999E-2,7.6499999999999999E-2,7.8799999999999995E-2,7.8799999999999995E-2,7.8799999999999995E-2,7.8799999999999995E-2,7.8799999999999995E-2]
["above 94% to 95%",0.94001000000000001,8.0599999999999991E-2,8.4999999999999992E-2,8.4999999999999992E-2,8.8400000000000006E-2,8.8400000000000006E-2,9.0899999999999995E-2,9.0899999999999995E-2,9.0899999999999995E-2,9.0899999999999995E-2,9.0899999999999995E-2,null,"above 94% to 95%",0.94001000000000001,7.2499999999999995E-2,7.6499999999999999E-2,7.6499999999999999E-2,7.9600000000000004E-2,7.9600000000000004E-2,8.1799999999999998E-2,8.1799999999999998E-2,8.1799999999999998E-2,8.1799999999999998E-2,8.1799999999999998E-2]
["above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
[null,null,"MINIMUM PREMIUM - Not available",null,null,null,null,null,null,null,null,null,null,null,null,"MINIMUM PREMIUM - Not available"]
[]
[]
["Monthly Premium (Standard) - Borrower Paid LVR75% Investment",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $3.5M",null,"Monthly Premium Investment FHB",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $3.5M"]
[null,null,0,300001,500001,600001,750001,1000001,1500001,2000001,2500001,3000001,null,null,null,0,300001,500001,600001,750001,1000001,1500001,2000001,2500001,3000001]
["Up to 60%",1.0000000000000001E-5,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"Up to 60%",1.0000000000000001E-5,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 60% to 65%",0.60001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 60% to 65%",0.60001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 65% to 70%",0.65000999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 65% to 70%",0.65000999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 70% to 75%",0.70001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 70% to 75%",0.70001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 75% to 80%",0.75000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 75% to 80%",0.75000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 80% to 81%",0.80001,2.41E-2,2.5700000000000001E-2,2.5700000000000001E-2,2.6600000000000002E-2,2.6600000000000002E-2,2.9899999999999999E-2,2.9899999999999999E-2,2.9899999999999999E-2,2.9899999999999999E-2,2.9899999999999999E-2,null,"above 80% to 81%",0.80001,2.29E-2,2.4399999999999998E-2,2.4399999999999998E-2,2.52E-2,2.52E-2,2.8400000000000002E-2,2.8400000000000002E-2,2.8400000000000002E-2,2.8400000000000002E-2,2.8400000000000002E-2]
["above 81% to 82%",0.81001000000000001,2.8200000000000003E-2,2.9899999999999999E-2,2.9899999999999999E-2,3.0699999999999998E-2,3.0699999999999998E-2,3.4099999999999998E-2,3.4099999999999998E-2,3.4099999999999998E-2,3.4099999999999998E-2,3.4099999999999998E-2,null,"above 81% to 82%",0.81001000000000001,2.6699999999999998E-2,2.8400000000000002E-2,2.8400000000000002E-2,2.9100000000000001E-2,2.9100000000000001E-2,3.2300000000000002E-2,3.2300000000000002E-2,3.2300000000000002E-2,3.2300000000000002E-2,3.2300000000000002E-2]
["above 82% to 83%",0.82001000000000002,3.1599999999999996E-2,3.4099999999999998E-2,3.4099999999999998E-2,3.4999999999999996E-2,3.4999999999999996E-2,3.8200000000000005E-2,3.8200000000000005E-2,3.8200000000000005E-2,3.8200000000000005E-2,3.8200000000000005E-2,null,"above 82% to 83%",0.82001000000000002,0.03,3.2300000000000002E-2,3.2300000000000002E-2,3.3100000000000004E-2,3.3100000000000004E-2,3.6200000000000003E-2,3.6200000000000003E-2,3.6200000000000003E-2,3.6200000000000003E-2,3.6200000000000003E-2]
["above 83% to 84%",0.83001000000000003,3.5700000000000003E-2,3.8200000000000005E-2,3.8200000000000005E-2,3.9899999999999998E-2,3.9899999999999998E-2,4.24E-2,4.24E-2,4.24E-2,4.24E-2,4.24E-2,null,"above 83% to 84%",0.83001000000000003,3.3799999999999997E-2,3.6200000000000003E-2,3.6200000000000003E-2,3.78E-2,3.78E-2,4.0099999999999997E-2,4.0099999999999997E-2,4.0099999999999997E-2,4.0099999999999997E-2,4.0099999999999997E-2]
["above 84% to 85%",0.84001000000000003,3.9899999999999998E-2,4.24E-2,4.24E-2,4.41E-2,4.41E-2,4.6600000000000003E-2,4.6600000000000003E-2,4.6600000000000003E-2,4.6600000000000003E-2,4.6600000000000003E-2,null,"above 84% to 85%",0.84001000000000003,3.78E-2,4.0099999999999997E-2,4.0099999999999997E-2,4.1800000000000004E-2,4.1800000000000004E-2,4.41E-2,4.41E-2,4.41E-2,4.41E-2,4.41E-2]
["above 85% to 86%",0.85001000000000004,5.8100000000000006E-2,5.9100000000000007E-2,5.9100000000000007E-2,6.0600000000000001E-2,6.0600000000000001E-2,6.3199999999999992E-2,6.3199999999999992E-2,6.3199999999999992E-2,6.3199999999999992E-2,6.3199999999999992E-2,null,"above 85% to 86%",0.85001000000000004,5.5099999999999996E-2,5.5999999999999994E-2,5.5999999999999994E-2,5.74E-2,5.74E-2,5.9900000000000002E-2,5.9900000000000002E-2,5.9900000000000002E-2,5.9900000000000002E-2,5.9900000000000002E-2]
["above 86% to 87%",0.86001000000000005,5.9900000000000002E-2,6.0600000000000001E-2,6.0600000000000001E-2,6.1600000000000002E-2,6.1600000000000002E-2,6.4000000000000001E-2,6.4000000000000001E-2,6.4000000000000001E-2,6.4000000000000001E-2,6.4000000000000001E-2,null,"above 86% to 87%",0.86001000000000005,5.67E-2,5.74E-2,5.74E-2,5.8299999999999998E-2,5.8299999999999998E-2,6.0700000000000004E-2,6.0700000000000004E-2,6.0700000000000004E-2,6.0700000000000004E-2,6.0700000000000004E-2]
["above 87% to 88%",0.87000999999999995,6.0600000000000001E-2,6.1600000000000002E-2,6.1600000000000002E-2,6.3199999999999992E-2,6.3199999999999992E-2,6.4899999999999999E-2,6.4899999999999999E-2,6.4899999999999999E-2,6.4899999999999999E-2,6.4899999999999999E-2,null,"above 87% to 88%",0.87000999999999995,5.74E-2,5.8299999999999998E-2,5.8299999999999998E-2,5.9900000000000002E-2,5.9900000000000002E-2,6.1499999999999999E-2,6.1499999999999999E-2,6.1499999999999999E-2,6.1499999999999999E-2,6.1499999999999999E-2]
["above 88% to 89%",0.88000999999999996,6.1600000000000002E-2,6.2299999999999994E-2,6.2299999999999994E-2,6.4000000000000001E-2,6.4000000000000001E-2,6.5600000000000006E-2,6.5600000000000006E-2,6.5600000000000006E-2,6.5600000000000006E-2,6.5600000000000006E-2,null,"above 88% to 89%",0.88000999999999996,5.8299999999999998E-2,5.9000000000000004E-2,5.9000000000000004E-2,6.0700000000000004E-2,6.0700000000000004E-2,6.2200000000000005E-2,6.2200000000000005E-2,6.2200000000000005E-2,6.2200000000000005E-2,6.2200000000000005E-2]
["above 89% to 90%",0.89000999999999997,6.2299999999999994E-2,6.3199999999999992E-2,6.3199999999999992E-2,6.4899999999999999E-2,6.4899999999999999E-2,6.6500000000000004E-2,6.6500000000000004E-2,6.6500000000000004E-2,6.6500000000000004E-2,6.6500000000000004E-2,null,"above 89% to 90%",0.89000999999999997,5.9000000000000004E-2,5.9900000000000002E-2,5.9900000000000002E-2,6.1499999999999999E-2,6.1499999999999999E-2,6.3E-2,6.3E-2,6.3E-2,6.3E-2,6.3E-2]
["above 90% to 91%",0.90000999999999998,7.8100000000000003E-2,7.9799999999999996E-2,7.9799999999999996E-2,8.2299999999999998E-2,8.2299999999999998E-2,8.5599999999999996E-2,8.5599999999999996E-2,8.5599999999999996E-2,8.5599999999999996E-2,8.5599999999999996E-2,null,"above 90% to 91%",0.90000999999999998,7.3999999999999996E-2,7.5600000000000001E-2,7.5600000000000001E-2,7.7899999999999997E-2,7.7899999999999997E-2,8.1099999999999992E-2,8.1099999999999992E-2,8.1099999999999992E-2,8.1099999999999992E-2,8.1099999999999992E-2]
["above 91% to 92%",0.91000999999999999,7.9799999999999996E-2,8.2299999999999998E-2,8.2299999999999998E-2,8.48E-2,8.48E-2,8.8099999999999998E-2,8.8099999999999998E-2,8.8099999999999998E-2,8.8099999999999998E-2,8.8099999999999998E-2,null,"above 91% to 92%",0.91000999999999999,7.5600000000000001E-2,7.7899999999999997E-2,7.7899999999999997E-2,8.0399999999999999E-2,8.0399999999999999E-2,8.3400000000000002E-2,8.3400000000000002E-2,8.3400000000000002E-2,8.3400000000000002E-2,8.3400000000000002E-2]
["above 92% to 93%",0.92000999999999999,8.2299999999999998E-2,8.48E-2,8.48E-2,8.8099999999999998E-2,8.8099999999999998E-2,9.0499999999999997E-2,9.0499999999999997E-2,9.0499999999999997E-2,9.0499999999999997E-2,9.0499999999999997E-2,null,"above 92% to 93%",0.92000999999999999,7.7899999999999997E-2,8.0399999999999999E-2,8.0399999999999999E-2,8.3400000000000002E-2,8.3400000000000002E-2,8.5800000000000001E-2,8.5800000000000001E-2,8.5800000000000001E-2,8.5800000000000001E-2,8.5800000000000001E-2]
["above 93% to 94%",0.93001,8.4000000000000005E-2,8.7300000000000003E-2,8.7300000000000003E-2,9.0499999999999997E-2,9.0499999999999997E-2,9.3100000000000002E-2,9.3100000000000002E-2,9.3100000000000002E-2,9.3100000000000002E-2,9.3100000000000002E-2,null,"above 93% to 94%",0.93001,7.9600000000000004E-2,8.270000000000001E-2,8.270000000000001E-2,8.5800000000000001E-2,8.5800000000000001E-2,8.8200000000000001E-2,8.8200000000000001E-2,8.8200000000000001E-2,8.8200000000000001E-2,8.8200000000000001E-2]
["above 94% to 95%",0.94001000000000001,8.5599999999999996E-2,8.9800000000000005E-2,8.9800000000000005E-2,9.3100000000000002E-2,9.3100000000000002E-2,9.5600000000000004E-2,9.5600000000000004E-2,9.5600000000000004E-2,9.5600000000000004E-2,9.5600000000000004E-2,null,"above 94% to 95%",0.94001000000000001,8.1099999999999992E-2,8.5099999999999995E-2,8.5099999999999995E-2,8.8200000000000001E-2,8.8200000000000001E-2,9.0499999999999997E-2,9.0499999999999997E-2,9.0499999999999997E-2,9.0499999999999997E-2,9.0499999999999997E-2]
["above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
[null,null,"MINIMUM PREMIUM - Not available",null,null,null,null,null,null,null,null,null,null,null,null,"MINIMUM PREMIUM - Not available"]
[]
[]
["Monthly Premium (Standard) - Borrower Paid LVR80% Owner Occupied",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $3.5M",null,"Monthly Premium - Borrower Paid Owner Occupied FHB",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $3.5M"]
[null,null,0,300001,500001,600001,750001,1000001,1500001,2000001,2500001,3000001,null,null,null,0,300001,500001,600001,750001,1000001,1500001,2000001,2500001,3000001]
["Up to 60%",1.0000000000000001E-5,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"Up to 60%",1.0000000000000001E-5,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 60% to 65%",0.60001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 60% to 65%",0.60001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 65% to 70%",0.65000999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 65% to 70%",0.65000999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 70% to 75%",0.70001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 70% to 75%",0.70001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 75% to 80%",0.75000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 75% to 80%",0.75000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 80% to 81%",0.80001,2.0199999999999999E-2,2.2699999999999998E-2,2.2699999999999998E-2,2.6100000000000002E-2,2.6100000000000002E-2,2.7E-2,2.7E-2,2.7E-2,2.7E-2,2.7E-2,null,"above 80% to 81%",0.80001,1.8200000000000001E-2,2.0400000000000001E-2,2.0400000000000001E-2,2.35E-2,2.35E-2,2.4299999999999999E-2,2.4299999999999999E-2,2.4299999999999999E-2,2.4299999999999999E-2,2.4299999999999999E-2]
["above 81% to 82%",0.81001000000000001,2.0199999999999999E-2,2.2699999999999998E-2,2.2699999999999998E-2,2.6100000000000002E-2,2.6100000000000002E-2,2.7E-2,2.7E-2,2.7E-2,2.7E-2,2.7E-2,null,"above 81% to 82%",0.81001000000000001,1.8200000000000001E-2,2.0400000000000001E-2,2.0400000000000001E-2,2.35E-2,2.35E-2,2.4299999999999999E-2,2.4299999999999999E-2,2.4299999999999999E-2,2.4299999999999999E-2,2.4299999999999999E-2]
["above 82% to 83%",0.82001000000000002,2.0199999999999999E-2,2.2699999999999998E-2,2.2699999999999998E-2,2.6100000000000002E-2,2.6100000000000002E-2,2.7E-2,2.7E-2,2.7E-2,2.7E-2,2.7E-2,null,"above 82% to 83%",0.82001000000000002,1.8200000000000001E-2,2.0400000000000001E-2,2.0400000000000001E-2,2.35E-2,2.35E-2,2.4299999999999999E-2,2.4299999999999999E-2,2.4299999999999999E-2,2.4299999999999999E-2,2.4299999999999999E-2]
["above 83% to 84%",0.83001000000000003,2.2699999999999998E-2,2.4399999999999998E-2,2.4399999999999998E-2,2.7799999999999998E-2,2.7799999999999998E-2,2.9500000000000002E-2,2.9500000000000002E-2,2.9500000000000002E-2,2.9500000000000002E-2,2.9500000000000002E-2,null,"above 83% to 84%",0.83001000000000003,2.0400000000000001E-2,2.2000000000000002E-2,2.2000000000000002E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.6600000000000002E-2,2.6600000000000002E-2,2.6600000000000002E-2,2.6600000000000002E-2,2.6600000000000002E-2]
["above 84% to 85%",0.84001000000000003,2.4399999999999998E-2,2.7E-2,2.7E-2,3.0300000000000001E-2,3.0300000000000001E-2,3.2000000000000001E-2,3.2000000000000001E-2,3.2000000000000001E-2,3.2000000000000001E-2,3.2000000000000001E-2,null,"above 84% to 85%",0.84001000000000003,2.2000000000000002E-2,2.4299999999999999E-2,2.4299999999999999E-2,2.7300000000000001E-2,2.7300000000000001E-2,2.8799999999999999E-2,2.8799999999999999E-2,2.8799999999999999E-2,2.8799999999999999E-2,2.8799999999999999E-2]
["above 85% to 86%",0.85001000000000004,3.49E-2,3.6499999999999998E-2,3.6499999999999998E-2,4.0800000000000003E-2,4.0800000000000003E-2,4.3400000000000001E-2,4.3400000000000001E-2,4.3400000000000001E-2,4.3400000000000001E-2,4.3400000000000001E-2,null,"above 85% to 86%",0.85001000000000004,3.1399999999999997E-2,3.2899999999999999E-2,3.2899999999999999E-2,3.6699999999999997E-2,3.6699999999999997E-2,3.9100000000000003E-2,3.9100000000000003E-2,3.9100000000000003E-2,3.9100000000000003E-2,3.9100000000000003E-2]
["above 86% to 87%",0.86001000000000005,3.6499999999999998E-2,3.8300000000000001E-2,3.8300000000000001E-2,4.2499999999999996E-2,4.2499999999999996E-2,4.5100000000000001E-2,4.5100000000000001E-2,4.5100000000000001E-2,4.5100000000000001E-2,4.5100000000000001E-2,null,"above 86% to 87%",0.86001000000000005,3.2899999999999999E-2,3.4499999999999996E-2,3.4499999999999996E-2,3.8300000000000001E-2,3.8300000000000001E-2,4.0599999999999997E-2,4.0599999999999997E-2,4.0599999999999997E-2,4.0599999999999997E-2,4.0599999999999997E-2]
["above 87% to 88%",0.87000999999999995,3.8300000000000001E-2,4.0800000000000003E-2,4.0800000000000003E-2,4.4200000000000003E-2,4.4200000000000003E-2,4.7600000000000003E-2,4.7600000000000003E-2,4.7600000000000003E-2,4.7600000000000003E-2,4.7600000000000003E-2,null,"above 87% to 88%",0.87000999999999995,3.4499999999999996E-2,3.6699999999999997E-2,3.6699999999999997E-2,3.9800000000000002E-2,3.9800000000000002E-2,4.2799999999999998E-2,4.2799999999999998E-2,4.2799999999999998E-2,4.2799999999999998E-2,4.2799999999999998E-2]
["above 88% to 89%",0.88000999999999996,0.04,4.2499999999999996E-2,4.2499999999999996E-2,4.6700000000000005E-2,4.6700000000000005E-2,5.0199999999999995E-2,5.0199999999999995E-2,5.0199999999999995E-2,5.0199999999999995E-2,5.0199999999999995E-2,null,"above 88% to 89%",0.88000999999999996,3.6000000000000004E-2,3.8300000000000001E-2,3.8300000000000001E-2,4.2000000000000003E-2,4.2000000000000003E-2,4.5199999999999997E-2,4.5199999999999997E-2,4.5199999999999997E-2,4.5199999999999997E-2,4.5199999999999997E-2]
["above 89% to 90%",0.89000999999999997,4.2499999999999996E-2,4.4200000000000003E-2,4.4200000000000003E-2,4.8500000000000001E-2,4.8500000000000001E-2,5.1799999999999999E-2,5.1799999999999999E-2,5.1799999999999999E-2,5.1799999999999999E-2,5.1799999999999999E-2,null,"above 89% to 90%",0.89000999999999997,3.8300000000000001E-2,3.9800000000000002E-2,3.9800000000000002E-2,4.3700000000000003E-2,4.3700000000000003E-2,4.6600000000000003E-2,4.6600000000000003E-2,4.6600000000000003E-2,4.6600000000000003E-2,4.6600000000000003E-2]
["above 90% to 91%",0.90000999999999998,6.4399999999999999E-2,6.9499999999999992E-2,6.9499999999999992E-2,7.3899999999999993E-2,7.3899999999999993E-2,7.8100000000000003E-2,7.8100000000000003E-2,7.8100000000000003E-2,7.8100000000000003E-2,7.8100000000000003E-2,null,"above 90% to 91%",0.90000999999999998,5.8000000000000003E-2,6.2600000000000003E-2,6.2600000000000003E-2,6.6500000000000004E-2,6.6500000000000004E-2,7.0300000000000001E-2,7.0300000000000001E-2,7.0300000000000001E-2,7.0300000000000001E-2,7.0300000000000001E-2]
["above 91% to 92%",0.91000999999999999,6.8699999999999997E-2,7.3899999999999993E-2,7.3899999999999993E-2,7.7300000000000008E-2,7.7300000000000008E-2,8.1600000000000006E-2,8.1600000000000006E-2,8.1600000000000006E-2,8.1600000000000006E-2,8.1600000000000006E-2,null,"above 91% to 92%",0.91000999999999999,6.1799999999999994E-2,6.6500000000000004E-2,6.6500000000000004E-2,6.9599999999999995E-2,6.9599999999999995E-2,7.3399999999999993E-2,7.3399999999999993E-2,7.3399999999999993E-2,7.3399999999999993E-2,7.3399999999999993E-2]
["above 92% to 93%",0.92000999999999999,7.2900000000000006E-2,7.7300000000000008E-2,7.7300000000000008E-2,8.0599999999999991E-2,8.0599999999999991E-2,8.4999999999999992E-2,8.4999999999999992E-2,8.4999999999999992E-2,8.4999999999999992E-2,8.4999999999999992E-2,null,"above 92% to 93%",0.92000999999999999,6.5600000000000006E-2,6.9599999999999995E-2,6.9599999999999995E-2,7.2499999999999995E-2,7.2499999999999995E-2,7.6499999999999999E-2,7.6499999999999999E-2,7.6499999999999999E-2,7.6499999999999999E-2,7.6499999999999999E-2]
["above 93% to 94%",0.93001,7.640000000000001E-2,8.0599999999999991E-2,8.0599999999999991E-2,8.4999999999999992E-2,8.4999999999999992E-2,8.7600000000000011E-2,8.7600000000000011E-2,8.7600000000000011E-2,8.7600000000000011E-2,8.7600000000000011E-2,null,"above 93% to 94%",0.93001,6.88E-2,7.2499999999999995E-2,7.2499999999999995E-2,7.6499999999999999E-2,7.6499999999999999E-2,7.8799999999999995E-2,7.8799999999999995E-2,7.8799999999999995E-2,7.8799999999999995E-2,7.8799999999999995E-2]
["above 94% to 95%",0.94001000000000001,8.0599999999999991E-2,8.4999999999999992E-2,8.4999999999999992E-2,8.8400000000000006E-2,8.8400000000000006E-2,9.0899999999999995E-2,9.0899999999999995E-2,9.0899999999999995E-2,9.0899999999999995E-2,9.0899999999999995E-2,null,"above 94% to 95%",0.94001000000000001,7.2499999999999995E-2,7.6499999999999999E-2,7.6499999999999999E-2,7.9600000000000004E-2,7.9600000000000004E-2,8.1799999999999998E-2,8.1799999999999998E-2,8.1799999999999998E-2,8.1799999999999998E-2,8.1799999999999998E-2]
["above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
[null,null,"MINIMUM PREMIUM - Not available",null,null,null,null,null,null,null,null,null,null,null,null,"MINIMUM PREMIUM - Not available"]
[]
[]
["Monthly Premium (Standard) - Borrower Paid LVR80% Investment",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $3.5M",null,"Monthly Premium - Borrower Paid Investment FHB",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $3.5M"]
[null,null,0,300001,500001,600001,750001,1000001,1500001,2000001,2500001,3000001,null,null,null,0,300001,500001,600001,750001,1000001,1500001,2000001,2500001,3000001]
["Up to 60%",1.0000000000000001E-5,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"Up to 60%",1.0000000000000001E-5,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 60% to 65%",0.60001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 60% to 65%",0.60001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 65% to 70%",0.65000999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 65% to 70%",0.65000999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 70% to 75%",0.70001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 70% to 75%",0.70001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 75% to 80%",0.75000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 75% to 80%",0.75000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 80% to 81%",0.80001,3.2000000000000001E-2,3.4499999999999996E-2,3.4499999999999996E-2,3.5400000000000001E-2,3.5400000000000001E-2,3.8699999999999998E-2,3.8699999999999998E-2,3.8699999999999998E-2,3.8699999999999998E-2,3.8699999999999998E-2,null,"above 80% to 81%",0.80001,2.8799999999999999E-2,3.1100000000000003E-2,3.1100000000000003E-2,3.1899999999999998E-2,3.1899999999999998E-2,3.4799999999999998E-2,3.4799999999999998E-2,3.4799999999999998E-2,3.4799999999999998E-2,3.4799999999999998E-2]
["above 81% to 82%",0.81001000000000001,3.2000000000000001E-2,3.4499999999999996E-2,3.4499999999999996E-2,3.5400000000000001E-2,3.5400000000000001E-2,3.8699999999999998E-2,3.8699999999999998E-2,3.8699999999999998E-2,3.8699999999999998E-2,3.8699999999999998E-2,null,"above 81% to 82%",0.81001000000000001,2.8799999999999999E-2,3.1100000000000003E-2,3.1100000000000003E-2,3.1899999999999998E-2,3.1899999999999998E-2,3.4799999999999998E-2,3.4799999999999998E-2,3.4799999999999998E-2,3.4799999999999998E-2,3.4799999999999998E-2]
["above 82% to 83%",0.82001000000000002,3.2000000000000001E-2,3.4499999999999996E-2,3.4499999999999996E-2,3.5400000000000001E-2,3.5400000000000001E-2,3.8699999999999998E-2,3.8699999999999998E-2,3.8699999999999998E-2,3.8699999999999998E-2,3.8699999999999998E-2,null,"above 82% to 83%",0.82001000000000002,2.8799999999999999E-2,3.1100000000000003E-2,3.1100000000000003E-2,3.1899999999999998E-2,3.1899999999999998E-2,3.4799999999999998E-2,3.4799999999999998E-2,3.4799999999999998E-2,3.4799999999999998E-2,3.4799999999999998E-2]
["above 83% to 84%",0.83001000000000003,3.6200000000000003E-2,3.8699999999999998E-2,3.8699999999999998E-2,4.0399999999999998E-2,4.0399999999999998E-2,4.2900000000000001E-2,4.2900000000000001E-2,4.2900000000000001E-2,4.2900000000000001E-2,4.2900000000000001E-2,null,"above 83% to 84%",0.83001000000000003,3.2600000000000004E-2,3.4799999999999998E-2,3.4799999999999998E-2,3.6400000000000002E-2,3.6400000000000002E-2,3.8600000000000002E-2,3.8600000000000002E-2,3.8600000000000002E-2,3.8600000000000002E-2,3.8600000000000002E-2]
["above 84% to 85%",0.84001000000000003,4.0399999999999998E-2,4.2900000000000001E-2,4.2900000000000001E-2,4.4600000000000001E-2,4.4600000000000001E-2,4.7199999999999999E-2,4.7199999999999999E-2,4.7199999999999999E-2,4.7199999999999999E-2,4.7199999999999999E-2,null,"above 84% to 85%",0.84001000000000003,3.6400000000000002E-2,3.8600000000000002E-2,3.8600000000000002E-2,4.0099999999999997E-2,4.0099999999999997E-2,4.2499999999999996E-2,4.2499999999999996E-2,4.2499999999999996E-2,4.2499999999999996E-2,4.2499999999999996E-2]
["above 85% to 86%",0.85001000000000004,5.9500000000000004E-2,6.0400000000000002E-2,6.0400000000000002E-2,6.2E-2,6.2E-2,6.4600000000000005E-2,6.4600000000000005E-2,6.4600000000000005E-2,6.4600000000000005E-2,6.4600000000000005E-2,null,"above 85% to 86%",0.85001000000000004,5.3600000000000002E-2,5.4399999999999997E-2,5.4399999999999997E-2,5.5800000000000002E-2,5.5800000000000002E-2,5.8100000000000006E-2,5.8100000000000006E-2,5.8100000000000006E-2,5.8100000000000006E-2,5.8100000000000006E-2]
["above 86% to 87%",0.86001000000000005,6.1200000000000004E-2,6.2E-2,6.2E-2,6.2899999999999998E-2,6.2899999999999998E-2,6.5500000000000003E-2,6.5500000000000003E-2,6.5500000000000003E-2,6.5500000000000003E-2,6.5500000000000003E-2,null,"above 86% to 87%",0.86001000000000005,5.5099999999999996E-2,5.5800000000000002E-2,5.5800000000000002E-2,5.6599999999999998E-2,5.6599999999999998E-2,5.9000000000000004E-2,5.9000000000000004E-2,5.9000000000000004E-2,5.9000000000000004E-2,5.9000000000000004E-2]
["above 87% to 88%",0.87000999999999995,6.2E-2,6.2899999999999998E-2,6.2899999999999998E-2,6.4600000000000005E-2,6.4600000000000005E-2,6.6299999999999998E-2,6.6299999999999998E-2,6.6299999999999998E-2,6.6299999999999998E-2,6.6299999999999998E-2,null,"above 87% to 88%",0.87000999999999995,5.5800000000000002E-2,5.6599999999999998E-2,5.6599999999999998E-2,5.8100000000000006E-2,5.8100000000000006E-2,5.9699999999999996E-2,5.9699999999999996E-2,5.9699999999999996E-2,5.9699999999999996E-2,5.9699999999999996E-2]
["above 88% to 89%",0.88000999999999996,6.2899999999999998E-2,6.3799999999999996E-2,6.3799999999999996E-2,6.5500000000000003E-2,6.5500000000000003E-2,6.7100000000000007E-2,6.7100000000000007E-2,6.7100000000000007E-2,6.7100000000000007E-2,6.7100000000000007E-2,null,"above 88% to 89%",0.88000999999999996,5.6599999999999998E-2,5.74E-2,5.74E-2,5.9000000000000004E-2,5.9000000000000004E-2,6.0400000000000002E-2,6.0400000000000002E-2,6.0400000000000002E-2,6.0400000000000002E-2,6.0400000000000002E-2]
["above 89% to 90%",0.89000999999999997,6.3799999999999996E-2,6.4600000000000005E-2,6.4600000000000005E-2,6.6299999999999998E-2,6.6299999999999998E-2,6.8000000000000005E-2,6.8000000000000005E-2,6.8000000000000005E-2,6.8000000000000005E-2,6.8000000000000005E-2,null,"above 89% to 90%",0.89000999999999997,5.74E-2,5.8100000000000006E-2,5.8100000000000006E-2,5.9699999999999996E-2,5.9699999999999996E-2,6.1200000000000004E-2,6.1200000000000004E-2,6.1200000000000004E-2,6.1200000000000004E-2,6.1200000000000004E-2]
["above 90% to 91%",0.90000999999999998,8.0599999999999991E-2,8.2400000000000001E-2,8.2400000000000001E-2,8.4999999999999992E-2,8.4999999999999992E-2,8.8400000000000006E-2,8.8400000000000006E-2,8.8400000000000006E-2,8.8400000000000006E-2,8.8400000000000006E-2,null,"above 90% to 91%",0.90000999999999998,7.2499999999999995E-2,7.4200000000000002E-2,7.4200000000000002E-2,7.6499999999999999E-2,7.6499999999999999E-2,7.9600000000000004E-2,7.9600000000000004E-2,7.9600000000000004E-2,7.9600000000000004E-2,7.9600000000000004E-2]
["above 91% to 92%",0.91000999999999999,8.2400000000000001E-2,8.4999999999999992E-2,8.4999999999999992E-2,8.7600000000000011E-2,8.7600000000000011E-2,9.0899999999999995E-2,9.0899999999999995E-2,9.0899999999999995E-2,9.0899999999999995E-2,9.0899999999999995E-2,null,"above 91% to 92%",0.91000999999999999,7.4200000000000002E-2,7.6499999999999999E-2,7.6499999999999999E-2,7.8799999999999995E-2,7.8799999999999995E-2,8.1799999999999998E-2,8.1799999999999998E-2,8.1799999999999998E-2,8.1799999999999998E-2,8.1799999999999998E-2]
["above 92% to 93%",0.92000999999999999,8.4999999999999992E-2,8.7600000000000011E-2,8.7600000000000011E-2,9.0899999999999995E-2,9.0899999999999995E-2,9.35E-2,9.35E-2,9.35E-2,9.35E-2,9.35E-2,null,"above 92% to 93%",0.92000999999999999,7.6499999999999999E-2,7.8799999999999995E-2,7.8799999999999995E-2,8.1799999999999998E-2,8.1799999999999998E-2,8.4199999999999997E-2,8.4199999999999997E-2,8.4199999999999997E-2,8.4199999999999997E-2,8.4199999999999997E-2]
["above 93% to 94%",0.93001,8.6699999999999999E-2,9.01E-2,9.01E-2,9.35E-2,9.35E-2,9.6100000000000005E-2,9.6100000000000005E-2,9.6100000000000005E-2,9.6100000000000005E-2,9.6100000000000005E-2,null,"above 93% to 94%",0.93001,7.8E-2,8.1099999999999992E-2,8.1099999999999992E-2,8.4199999999999997E-2,8.4199999999999997E-2,8.6499999999999994E-2,8.6499999999999994E-2,8.6499999999999994E-2,8.6499999999999994E-2,8.6499999999999994E-2]
["above 94% to 95%",0.94001000000000001,8.8400000000000006E-2,9.2700000000000005E-2,9.2700000000000005E-2,9.6100000000000005E-2,9.6100000000000005E-2,9.870000000000001E-2,9.870000000000001E-2,9.870000000000001E-2,9.870000000000001E-2,9.870000000000001E-2,null,"above 94% to 95%",0.94001000000000001,7.9600000000000004E-2,8.3400000000000002E-2,8.3400000000000002E-2,8.6499999999999994E-2,8.6499999999999994E-2,8.8800000000000004E-2,8.8800000000000004E-2,8.8800000000000004E-2,8.8800000000000004E-2,8.8800000000000004E-2]
["above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
[null,null,"MINIMUM PREMIUM - Not available",null,null,null,null,null,null,null,null,null,null,null,null,"MINIMUM PREMIUM - Not available"]
[]
[]
["Monthly Premium (Homebuyer Plus) - Borrower Paid LVR75%",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $3.5M",null,"Homebuyer Plus\nFirst Home Buyer",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $3.5M"]
[null,null,0,300001,500001,600001,750001,1000001,1500001,2000001,2500001,3000001,null,null,null,0,300001,500001,600001,750001,1000001,1500001,2000001,2500001,3000001]
["Up to 60%",1.0000000000000001E-5,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"Up to 60%",1.0000000000000001E-5,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 60% to 65%",0.60001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 60% to 65%",0.60001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 65% to 70%",0.65000999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 65% to 70%",0.65000999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 70% to 75%",0.70001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 70% to 75%",0.70001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 75% to 80%",0.75000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 75% to 80%",0.75000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 80% to 81%",0.80001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 80% to 81%",0.80001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 81% to 82%",0.81001000000000001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 81% to 82%",0.81001000000000001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 82% to 83%",0.82001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 82% to 83%",0.82001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 83% to 84%",0.83001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 83% to 84%",0.83001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 84% to 85%",0.84001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 84% to 85%",0.84001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 85% to 86%",0.85001000000000004,4.7399999999999998E-2,4.9599999999999998E-2,4.9599999999999998E-2,5.5399999999999998E-2,"Refer","Refer","Refer","Refer","Refer","Refer",null,"above 85% to 86%",0.85001000000000004,4.2700000000000002E-2,4.4600000000000001E-2,4.4600000000000001E-2,4.99E-2,"Refer","Refer","Refer","Refer","Refer","Refer"]
["above 86% to 87%",0.86001000000000005,4.9599999999999998E-2,5.1900000000000002E-2,5.1900000000000002E-2,5.7799999999999997E-2,"Refer","Refer","Refer","Refer","Refer","Refer",null,"above 86% to 87%",0.86001000000000005,4.4600000000000001E-2,4.6699999999999998E-2,4.6699999999999998E-2,5.1999999999999998E-2,"Refer","Refer","Refer","Refer","Refer","Refer"]
["above 87% to 88%",0.87000999999999995,5.1900000000000002E-2,5.5399999999999998E-2,5.5399999999999998E-2,0.06,"Refer","Refer","Refer","Refer","Refer","Refer",null,"above 87% to 88%",0.87000999999999995,4.6699999999999998E-2,4.99E-2,4.99E-2,5.3999999999999999E-2,"Refer","Refer","Refer","Refer","Refer","Refer"]
["above 88% to 89%",0.88000999999999996,5.4300000000000001E-2,5.7799999999999997E-2,5.7799999999999997E-2,6.3399999999999998E-2,"Refer","Refer","Refer","Refer","Refer","Refer",null,"above 88% to 89%",0.88000999999999996,4.8899999999999999E-2,5.1999999999999998E-2,5.1999999999999998E-2,5.7099999999999998E-2,"Refer","Refer","Refer","Refer","Refer","Refer"]
["above 89% to 90%",0.89000999999999997,5.7799999999999997E-2,0.06,0.06,6.5799999999999997E-2,"Refer","Refer","Refer","Refer","Refer","Refer",null,"above 89% to 90%",0.89000999999999997,5.1999999999999998E-2,5.3999999999999999E-2,5.3999999999999999E-2,5.9200000000000003E-2,"Refer","Refer","Refer","Refer","Refer","Refer"]
["above 90% to 91%",0.90000999999999998,8.6599999999999996E-2,9.35E-2,9.35E-2,9.9299999999999999E-2,"Refer","Refer","Refer","Refer","Refer","Refer",null,"above 90% to 91%",0.90000999999999998,7.7899999999999997E-2,8.4199999999999997E-2,8.4199999999999997E-2,8.9399999999999993E-2,"Refer","Refer","Refer","Refer","Refer","Refer"]
["above 91% to 92%",0.91000999999999999,9.2399999999999996E-2,9.9299999999999999E-2,9.9299999999999999E-2,0.10390000000000001,"Refer","Refer","Refer","Refer","Refer","Refer",null,"above 91% to 92%",0.91000999999999999,8.3199999999999996E-2,8.9399999999999993E-2,8.9399999999999993E-2,9.35E-2,"Refer","Refer","Refer","Refer","Refer","Refer"]
["above 92% to 93%",0.92000999999999999,9.8100000000000007E-2,0.10390000000000001,0.10390000000000001,0.1084,"Refer","Refer","Refer","Refer","Refer","Refer",null,"above 92% to 93%",0.92000999999999999,8.8300000000000003E-2,9.35E-2,9.35E-2,9.7600000000000006E-2,"Refer","Refer","Refer","Refer","Refer","Refer"]
["above 93% to 94%",0.93001,0.1028,0.1084,0.1084,0.1143,"Refer","Refer","Refer","Refer","Refer","Refer",null,"above 93% to 94%",0.93001,9.2499999999999999E-2,9.7600000000000006E-2,9.7600000000000006E-2,0.10290000000000001,"Refer","Refer","Refer","Refer","Refer","Refer"]
["above 94% to 95%",0.94001000000000001,0.1084,0.1143,0.1143,0.1188,"Refer","Refer","Refer","Refer","Refer","Refer",null,"above 94% to 95%",0.94001000000000001,9.7600000000000006E-2,0.10290000000000001,0.10290000000000001,0.1069,"Refer","Refer","Refer","Refer","Refer","Refer"]
["above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
[null,null,"MINIMUM PREMIUM - $1200",null,null,null,null,null,null,null,null,null,null,null,null,"MINIMUM PREMIUM - $1200"]
[]
[]
["Monthly Premium (Homebuyer Plus) - Borrower Paid LVR80%",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $3.5M",null,"Homebuyer Plus\nFirst Home Buyer",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $3.5M"]
[null,null,0,300001,500001,600001,750001,1000001,1500001,2000001,2500001,3000001,null,null,null,0,300001,500001,600001,750001,1000001,1500001,2000001,2500001,3000001]
["Up to 60%",1.0000000000000001E-5,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"Up to 60%",1.0000000000000001E-5,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 60% to 65%",0.60001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 60% to 65%",0.60001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 65% to 70%",0.65000999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 65% to 70%",0.65000999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 70% to 75%",0.70001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 70% to 75%",0.70001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 75% to 80%",0.75000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 75% to 80%",0.75000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 80% to 81%",0.80001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 80% to 81%",0.80001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 81% to 82%",0.81001000000000001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 81% to 82%",0.81001000000000001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 82% to 83%",0.82001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 82% to 83%",0.82001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 83% to 84%",0.83001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 83% to 84%",0.83001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 84% to 85%",0.84001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 84% to 85%",0.84001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 85% to 86%",0.85001000000000004,4.8300000000000003E-2,5.0599999999999999E-2,5.0599999999999999E-2,5.6500000000000002E-2,"Refer","Refer","Refer","Refer","Refer","Refer",null,"above 85% to 86%",0.85001000000000004,4.3499999999999997E-2,4.5499999999999999E-2,4.5499999999999999E-2,5.0900000000000001E-2,"Refer","Refer","Refer","Refer","Refer","Refer"]
["above 86% to 87%",0.86001000000000005,5.0599999999999999E-2,5.2999999999999999E-2,5.2999999999999999E-2,5.8900000000000001E-2,"Refer","Refer","Refer","Refer","Refer","Refer",null,"above 86% to 87%",0.86001000000000005,4.5499999999999999E-2,4.7699999999999999E-2,4.7699999999999999E-2,5.2999999999999999E-2,"Refer","Refer","Refer","Refer","Refer","Refer"]
["above 87% to 88%",0.87000999999999995,5.2999999999999999E-2,5.6500000000000002E-2,5.6500000000000002E-2,6.1199999999999997E-2,"Refer","Refer","Refer","Refer","Refer","Refer",null,"above 87% to 88%",0.87000999999999995,4.7699999999999999E-2,5.0900000000000001E-2,5.0900000000000001E-2,5.5100000000000003E-2,"Refer","Refer","Refer","Refer","Refer","Refer"]
["above 88% to 89%",0.88000999999999996,5.5399999999999998E-2,5.8900000000000001E-2,5.8900000000000001E-2,6.4699999999999994E-2,"Refer","Refer","Refer","Refer","Refer","Refer",null,"above 88% to 89%",0.88000999999999996,4.99E-2,5.2999999999999999E-2,5.2999999999999999E-2,5.8200000000000002E-2,"Refer","Refer","Refer","Refer","Refer","Refer"]
["above 89% to 90%",0.89000999999999997,5.8900000000000001E-2,6.1199999999999997E-2,6.1199999999999997E-2,6.7199999999999996E-2,"Refer","Refer","Refer","Refer","Refer","Refer",null,"above 89% to 90%",0.89000999999999997,5.2999999999999999E-2,5.5100000000000003E-2,5.5100000000000003E-2,6.0499999999999998E-2,"Refer","Refer","Refer","Refer","Refer","Refer"]
["above 90% to 91%",0.90000999999999998,8.9200000000000002E-2,9.6299999999999997E-2,9.6299999999999997E-2,0.1024,"Refer","Refer","Refer","Refer","Refer","Refer",null,"above 90% to 91%",0.90000999999999998,8.0299999999999996E-2,8.6699999999999999E-2,8.6699999999999999E-2,9.2200000000000004E-2,"Refer","Refer","Refer","Refer","Refer","Refer"]
["above 91% to 92%",0.91000999999999999,9.5100000000000004E-2,0.1024,0.1024,0.1071,"Refer","Refer","Refer","Refer","Refer","Refer",null,"above 91% to 92%",0.91000999999999999,8.5599999999999996E-2,9.2200000000000004E-2,9.2200000000000004E-2,9.64E-2,"Refer","Refer","Refer","Refer","Refer","Refer"]
["above 92% to 93%",0.92000999999999999,0.10100000000000001,0.1071,0.1071,0.1116,"Refer","Refer","Refer","Refer","Refer","Refer",null,"above 92% to 93%",0.92000999999999999,9.0899999999999995E-2,9.64E-2,9.64E-2,0.1004,"Refer","Refer","Refer","Refer","Refer","Refer"]
["above 93% to 94%",0.93001,0.10580000000000001,0.1116,0.1116,0.1177,"Refer","Refer","Refer","Refer","Refer","Refer",null,"above 93% to 94%",0.93001,9.5200000000000007E-2,0.1004,0.1004,0.10589999999999999,"Refer","Refer","Refer","Refer","Refer","Refer"]
["above 94% to 95%",0.94001000000000001,0.1116,0.1177,0.1177,0.12239999999999999,"Refer","Refer","Refer","Refer","Refer","Refer",null,"above 94% to 95%",0.94001000000000001,0.1004,0.10589999999999999,0.10589999999999999,0.11020000000000001,"Refer","Refer","Refer","Refer","Refer","Refer"]
["above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
[null,null,"MINIMUM PREMIUM - $1200",null,null,null,null,null,null,null,null,null,null,null,null,"MINIMUM PREMIUM - $1200"]

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["LOADERS/STAMP DUTY",null,null,null,"CALCULATIONS"]
[]
["PURPOSE",null,null,null,"LOAN AMOUNT"]
[]
[null,null,"Loader",null,"Loan Amount",null,{"$f":"Premium!K13","v":0}]
[null,null,null,null,"Existing Loan Balances",null,{"$f":"Premium!K15","v":0}]
[1,"Purchase or Construction",1,null,"Total Loan Amount",null,{"$f":"SUM(G5:G6)","v":0}]
[2,"Home Improvement/Renovation",1]
[3,"Internal Refinance",1,null,"STAMP DUTY"]
[4,"External Refinance/Debt Consolidation",1]
[5,"Equity Release (or Cash-out)",1,null,"#","STATE","TYPE","VALUE","STAMP DUTY %","APPORTIONED","STAMP DUTY %"]
[null,null,null,null,1,{"$f":"INDEX($B$37:$B$45,Premium!E30)","v":"Select State of Security"},{"$f":"INDEX($B$50:$B$52,Premium!G30)","v":"Occupancy Type"},{"$f":"Premium!I30","v":0},{"$f":"IF(ISNA(VLOOKUP(F12,$B$57:$C$65,2,FALSE)),\"\",VLOOKUP(F12,$B$57:$C$65,2,FALSE))","v":0},{"$f":"IFERROR($H$12:$H$28/$H$29,\"\")","v":""},{"$f":"IFERROR(ROUND($L$119*I12*J12,2),0)","v":0}]
["Payment Option",null,null,null,2,{"$f":"INDEX($B$37:$B$45,Premium!E32)","v":"Select State of Security"},{"$f":"INDEX($B$50:$B$52,Premium!G32)","v":"Occupancy Type"},{"$f":"Premium!I32","v":0},{"$f":"IF(ISNA(VLOOKUP(F13,$B$57:$C$65,2,FALSE)),\"\",VLOOKUP(F13,$B$57:$C$65,2,FALSE))","v":0},{"$f":"IFERROR($H$12:$H$28/$H$29,\"\")","v":""},{"$f":"IFERROR(ROUND($L$119*I13*J13,2),0)","v":0}]
[null,null,null,null,3,{"$f":"INDEX($B$37:$B$45,Premium!E34)","v":"Select State of Security"},{"$f":"INDEX($B$50:$B$52,Premium!G34)","v":"Occupancy Type"},{"$f":"Premium!I34","v":0},0,"",{"$f":"IFERROR(ROUND($L$119*I14*J14,2),0)","v":0}]
[1,"Full upfront Premium",null,null,4,{"$f":"INDEX($B$37:$B$45,Premium!E36)","v":"Select State of Security"},{"$f":"INDEX($B$50:$B$52,Premium!G36)","v":"Occupancy Type"},{"$f":"Premium!I36","v":0},0,"",{"$f":"IFERROR(ROUND($L$119*I15*J15,2),0)","v":0}]
[2,"Monthly Premium - LVR 80% CUT OFF",null,null,5,{"$f":"INDEX($B$37:$B$45,Premium!E38)","v":"Select State of Security"},{"$f":"INDEX($B$50:$B$52,Premium!G38)","v":"Occupancy Type"},{"$f":"Premium!I38","v":0},0,"",{"$f":"IFERROR(ROUND($L$119*I16*J16,2),0)","v":0}]
[3,"Monthly Premium - LVR 75% CUT OFF"]
[4,"Monthly Premium (Homebuyer Plus) - LVR 75% CUT OFF"]
[5,"Monthly Premium (Homebuyer Plus) - LVR 80% CUT OFF"]
[6,"Weekly Premium"]
[]
["SELF-EMPLOYED"]
[]
[null,null,"Loader"]
[1,"No",1]
[2,"Yes",1]
[]
["LMI Product"]
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[2,"Business Select"]
[3,"SMSF",null,null,"SECURITIES"]
[4,"Non Resident"]
[null,null,null,null,null,null,"VALUE","% of Total "]
[null,null,null,null,"Owner Occupied",null,{"$f":"SUMIFS($H$12:$H$28,$G$12:$G$28,$E34)","v":0},{"$f":"IFERROR(G34/$G$36,0)","v":0},null,null,"Predominant Security Type"]
["SECURITY STATE",null,null,null,"Investment",null,{"$f":"SUMIFS($H$12:$H$28,$G$12:$G$28,$E35)","v":0},{"$f":"IFERROR(G35/$G$36,0)","v":0},null,null,{"$f":"IF(H35>H34,E35,E34)","v":"Owner Occupied"}]
[null,null,"Loader",null,null,null,{"$f":"SUM(G34:G35)","v":0}]
[1,"Select State of Security",0]
[2,"New South Wales",0,null,"LOAN VALUE"]
[3,"Queensland",0.09]
[4,"Victoria",0.1]
[5,"South Australia",0.11]
[6,"Western Australia",0.1]
[7,"Tasmania",0.1]
[8,"Northern Territory",0.1]
[9,"Aust. Capital Territory",0]
[]
["OCCUPANCY TYPE",null,null,null,"LOAN PURPOSE"]
[]
[null,null,"Loader",null,null,null,"APPLY LOADER","VALUE","% of Total ",null,"Apply Loader"]
[1,"Occupancy Type",1,null,1,{"$f":"VLOOKUP(Premium!$K$9,DATA!$A$6:$B$11,2,FALSE)","v":"Purchase or Construction"},{"$f":"IF(OR(F50=$B$10,F50=$B$11),\"Y\",\"N\")","v":"N"},{"$f":"G5","v":0},{"$f":"IFERROR(H50/$H$55,0)","v":0},null,"N",{"$f":"SUMIFS($H$50:$H$54,$G$50:$G$54,$K50)","v":0}]
[2,"Owner Occupied",1,null,null,null,null,null,null,null,"Y",{"$f":"SUMIFS($H$50:$H$54,$G$50:$G$54,$K51)","v":0}]
[3,"Investment",1.1000000000000001]
[]
["STAMP DUTY",null,null,null,null,null,null,null,null,null,"Predominant  Loan Purpose"]
[null,null,null,null,null,null,null,{"$f":"SUM(H50:H54)","v":0},null,null,{"$f":"IF(L51>L50,\"Refinance\",\"Purchase\")","v":"Purchase"}]
[null,null,"Stamp Duty"]
[1,"Select State of Security",0,null,"POLICY SUMMARY"]
[2,"New South Wales",0,null,null,null,null,null,null,null,"V is for Monthly premium V"]
[3,"Queensland",0.09,null,"Total Loan Amount",null,{"$f":"G7","v":0},null,null,"What sort of calculator",{"$f":"IF(AND(G64=\"Standard\",G65=\"Monthly Premium - LVR 75% CUT OFF\",G66=\"Owner Occupied\",G68=\"No\"),\"1\",IF(AND(G64=\"Standard\",G65=\"Monthly Premium - LVR 75% CUT OFF\",G66=\"Investment\",G68=\"No\"),\"2\",IF(AND(G64=\"Standard\",G65=\"Monthly Premium - LVR 80% CUT OFF\",G66=\"Owner Occupied\",G68=\"No\"),\"3\",IF(AND(G64=\"Standard\",G65=\"Monthly Premium - LVR 80% CUT OFF\",G66=\"Owner Occupied\",G68=\"Yes\"),\"4\",IF(AND(G64=\"Standard\",G65=\"Monthly Premium - LVR 80% CUT OFF\",G66=\"Investment\",G68=\"No\"),\"5\",IF(AND(G64=\"Standard\",G65=\"Monthly Premium - LVR 80% CUT OFF\",G66=\"Investment\",G68=\"Yes\"),\"6\",IF(AND(G64=\"Standard\",G65=\"Monthly Premium - LVR 75% CUT OFF\",G66=\"Owner Occupied\",G68=\"Yes\"),\"7\",IF(AND(G64=\"Standard\",G65=\"Monthly Premium - LVR 75% CUT OFF\",G66=\"Investment\",G68=\"Yes\"),\"8\",IF(AND(G64=\"Homebuyer Plus\",G65=\"Monthly Premium - LVR 75% CUT OFF\",G68=\"No\"),\"9\",IF(AND(G64=\"Homebuyer Plus\",G65=\"Monthly Premium - LVR 75% CUT OFF\",G68=\"Yes\"),\"10\",IF(AND(G64=\"Homebuyer Plus\",G65=\"Monthly Premium - LVR 80% CUT OFF\",G68=\"No\"),\"11\",IF(AND(G64=\"Homebuyer Plus\",G65=\"Monthly Premium - LVR 80% CUT OFF\",G68=\"Yes\"),\"12\",\"\"))))))))))))","v":""},{"$f":"IF(K59=\"1\",J80,IF(K59=\"2\",J82,IF(K59=\"3\",J84,IF(K59=\"4\",J85,IF(K59=\"5\",J86,IF(K59=\"6\",J87,IF(K59=\"7\",J81,IF(K59=\"8\",J83,IF(K59=\"9\",J88,IF(K59=\"10\",J89,IF(K59=\"11\",J90,IF(K59=\"12\",J91,\"No Reg Prem\"))))))))))))","v":"No Reg Prem"}]
[4,"Victoria",0.1,null,"Total Security Value",null,{"$f":"H29","v":0},null,null,null,"1=Reg Prem LP OO, 2=Reg Prem LP INV, 3=Reg Prem BP Owner, 4=Reg Prem BP Owner FHB, 5=Reg Prem BP Inv, 6=Reg Prem BP Inv FHB, 7=Reg Prem LP OO FHB, 8=Reg Prem LP INV FHB, 9=Reg Prem BP75 HBP 10=Reg Prem BP75 HBP FHB 11=Reg Prem BP80 HBP 12=Reg Prem BP80 HBP FHB anything else=Not Reg Prem"]
[5,"South Australia",0.11,null,"Base LVR",null,{"$f":"IFERROR(ROUND(G59/G60,4),0)","v":0},null,null,null,"FHB Indicator"]
[6,"Western Australia",0.1,null,"Loan Type",null,{"$f":"VLOOKUP(Premium!$K$11,DATA!$A$107:$B$108,2,0)","v":"New Loan"},null,null,"Product","No","Yes"]
[7,"Tasmania",0.1,null,"Loan Purpose",null,{"$f":"VLOOKUP(Premium!$K$9,$A$7:$B$11,2,0)","v":"Purchase or Construction"},null,null,"Standard","Standard","Standard_FHB"]
[8,"Northern Territory",0.1,null,"Product",null,{"$f":"VLOOKUP(Premium!$G$13,$A$29:$B$33,2,0)","v":"Standard"},null,null,"Business Select","Business_Select","Business_Select_FHB"]
[9,"Aust. Capital Territory",0,null,"Payment option",null,{"$f":"VLOOKUP(Premium!$K$28,$A$15:$B$19,2,0)","v":"Full upfront Premium"},null,null,"SMSF","Standard","Standard_FHB"]
[null,null,null,null,"Predominant Security Type",null,{"$f":"K35","v":"Owner Occupied"},null,null,"Non Resident","Non_Resident","Non_Resident_FHB"]
["SECURITY TYPE",null,null,null,"Self-Employed?",null,{"$f":"IF(Premium!G15=DATA!A26,\"Yes\",\"No\")","v":"No"}]
[null,null,null,null,"First Home Buyer?",null,{"$f":"VLOOKUP(Premium!$G$17,DATA!$A$103:$B$104,2,0)","v":"No"},null,null,"Product Row",{"$f":"MATCH($G$64,J63:J66,0)","v":1}]
["Predominant Security Type % - Investment Loader",null,0.5,null,"Loan Term",null,{"$f":"VLOOKUP(Premium!$K$17,DATA!$A$98:$B$100,2,0)","v":"Up to 30 years"},null,null,"FHB Column",{"$f":"MATCH($G$68,K62:L62,0)","v":1}]
[null,null,null,null,"Does Flat Fee Apply?",null,"No",null,null,"Rate Card (Row, Column)",{"$f":"INDEX(K63:L66,K68,K69)","v":"Standard"}]
[null,null,null,null,"Capitalise premium?",null,{"$f":"VLOOKUP(Premium!$G$19,DATA!$A$131:$B$132,2,0)","v":"Yes"}]
[]
[null,null,null,null,"PREMIUM RATE / LOADERS"]
[]
[null,null,null,null,"Rate Card Reference",null,{"$f":"IF(ISERROR($K$97),$K$70,$K$97)","v":"Standard"},"<-The formula in this field is significantly different to the original calculator."]
[]
["RITC",null,null,null,"Premium",null,"Flat Fee","Calculated Fee",null,null,"Predominant Type"]
[null,null,null,null,"Premium Rate",null,{"$f":"IF(G70=\"Yes\",IF(OR(G59=\"Refer\",G61=\"Refer\",G70=\"Refer\"),\"Refer\",INDEX(INDIRECT(G75),MATCH($G$61,LVR,1),MATCH($G$59,LoanSize,1))),\"\")","v":""},{"$f":"IF(G70=\"No\",IF(OR(G59=\"Refer\",G61=\"Refer\",G70=\"Refer\"),\"Refer\",INDEX(INDIRECT(G75),MATCH($G$61,LVR,1),MATCH($G$59,LoanSize,1))),\"\")","v":{"$error":"#N/A"}},null,"Calc Type","Owner Occupied","Investment"]
["Expiry Date ",null,{"$f":"Premium!K54+1","v":"2028-07-31"},null,"Loan term Loader",null,{"$f":"IF(G70=\"Yes\",VLOOKUP(G69,$B$98:$C$100,2,0),\"\")","v":""},{"$f":"IF(G70=\"No\",VLOOKUP(G69,$B$98:$C$100,2,0),\"\")","v":1},null,"Not Reg Prem","Refer above","Refer above"]
["RITC - (1=Yes, 2=No)",null,1,null,"Loan Purpose Loader",null,{"$f":"IF($G$70=\"Yes\",IF(Premium!K11=2,1,VLOOKUP($G$63,$B$7:$C$11,2,0)),\"\")","v":""},{"$f":"IF($G$70=\"No\",IF(Premium!K11=2,1,VLOOKUP($G$63,$B$7:$C$11,2,0)),\"\")","v":1},null,"Reg Prem LP OO","Reg_Prem_LP_OO"]
["Capitalised premium:",null,{"$f":"IF($C$80=1,Premium!$K$50,Premium!$G$50)","v":0},null,"Self Employed Loader",null,{"$f":"IF($G$70=\"Yes\",VLOOKUP($G$67,$B$25:$C$26,2,0),\"\")","v":""},{"$f":"IF($G$70=\"No\",IF(Premium!$G$13=2,1,VLOOKUP($G$67,$B$25:$C$26,2,0)),\"\")","v":1},null,"Reg Prem LP OO FHB","Reg_Prem_LP_OFHB"]
[null,null,null,null,"Investment Property Loader",null,{"$f":"IF($G$70=\"Yes\",VLOOKUP($G$66,$B$51:$C$52,2,0),\"\")","v":""},{"$f":"IF( $G$64=\"SMSF\", $C$52, IF(AND($G$70=\"No\",G65=\"Full upfront Premium\"),VLOOKUP($G$66,$B$51:$C$52,2,0),\"\") )","v":1},null,"Reg Prem LP INV",null,"Reg_Prem_LP_INV"]
[null,null,null,null,"Capitalise Premium",null,{"$f":"IF(AND($G$70=\"Yes\",G65=\"Full upfront Premium\"),VLOOKUP($G$71,$B$131:$C$132,2,0),\"\")","v":""},{"$f":" IF( AND($G$64<>\"SMSF\",$G$65<>$B$16 ), IF($G$70=\"No\",IF($G$71=\"No\",IF($G$61>80%,$C$131,$C$132),$C$132),\"\"), $C$132)","v":1},null,"Reg Prem LP INV FHB",null,"Reg_Prem_LP_LFHB"]
["If premium capitalised: Total loan amount:",null,{"$f":"IF($G$71=\"No\",\"N/A\",IF(SUM($H$12:$H$16)>0,IF($G$5>0,SUM($G$5,$G$6,$C$81),0),0))","v":0},null,"Total Premium Rate",null,{"$f":"PRODUCT(G79:G82)","v":0},{"$f":"IF(Premium!$K$28=1,ROUND(PRODUCT(H78:H83),2),ROUND(PRODUCT(H78:H83),4))","v":{"$error":"#N/A"}},null,"Reg Prem BP Owner","Reg_Prem_BP_OO"]
["Total (capitalised) LVR:",null,{"$f":"IF($G$71=\"No\",\"N/A\",IF(SUM($H$12:$H$16)>0,IF($G$64<>\"Family Pledge\",$C$84/(SUM($H$12:$H$16)),$C$84/(SUM($H$12:$H$16))),0))","v":0},null,"Calculated Premium",null,{"$f":"IFERROR(G78*G84,\"\")","v":""},{"$f":"IF(H78=\"Refer\",\"Refer\",G59*H84/100)","v":{"$error":"#N/A"}},null,"Reg Prem BP Owner FHB","Reg_Prem_BP_OO_FHB"]
[null,null,null,null,null,null,null,null,null,"Reg Prem BP Inv",null,"Reg_Prem_BP_INV"]
[null,null,null,null,null,null,null,null,null,"Reg Prem BP Inv FHB",null,"Reg_Prem_BP_INV_FHB"]
[null,null,null,null,null,null,null,null,null,"Reg Prem BP75 HBP","Reg_Prem_BP75_HBP","Reg_Prem_BP75_HBP"]
[null,null,null,null,null,null,null,null,null,"Reg Prem BP75 HBP FHB","Reg_Prem_BP75_HBP_FHB","Reg_Prem_BP75_HBP_FHB"]
["FLAT FEE",null,null,null,null,null,null,null,null,"Reg Prem BP80 HBP","Reg_Prem_BP80_HBP","Reg_Prem_BP80_HBP"]
[null,null,null,null,null,null,null,null,null,"Reg Prem BP80 HBP FHB","Reg_Prem_BP80_HBP_FHB","Reg_Prem_BP80_HBP_FHB"]
["Min. Premium where total exposure > $500,000",null,1200]
["Min. Premium where total exposure > $500,000 & top-up",null,1500]
[]
[null,null,null,null,null,null,null,null,null,"Calc Row",{"$f":"IF(Premium!$K$28=1,\"Full Upfront\",MATCH(L59,J79:J91,0))","v":"Full Upfront"}]
[null,null,null,null,null,null,null,null,null,"Predom Type Column",{"$f":"MATCH($K$35,K78:L78,0)","v":1}]
["TERM",null,"Loader",null,null,null,null,null,null,"Rate Card (Row, Column)",{"$f":"INDEX(K79:L91,K95,K96)","v":{"$error":"#VALUE!"}},"<- An error here is fine - just means it's not Reg Prem"]
[1,"Up to 30 years",1]
[2,"Greater than 30 years up to 35 years",1.03]
[3,"Greater than 35 years up to 40 years",1.06]
[]
["FHB"]
[1,"Yes",null,null,"CALCULATED PREMIUM"]
[2,"No"]
[null,null,null,null,null,"Miniumum Premiums"]
["New Loan or Top up",null,null,null,null,"Type","Product",null,"Other Factors",null,"Applicable?","Minumum Premium"]
[1,"New Loan",null,null,null,"New Loan",{"$f":"B118","v":"Standard"},null,"NA",null,{"$f":"IF(AND($G$64=G107),\"Yes\",\"No\")","v":"Yes"},{"$f":"VLOOKUP(G107,$B$118:$F$121,5,0)","v":1200}]
[2,"Top-Up (on existing insured loan)",null,null,null,"New Loan",{"$f":"B119","v":"Business Select"},null,"NA",null,{"$f":"IF(AND($G$64=G108),\"Yes\",\"No\")","v":"No"},{"$f":"VLOOKUP(G108,$B$118:$F$121,5,0)","v":1200}]
[null,null,null,null,null,"New Loan",{"$f":"B120","v":"SMSF"},null,"NA",null,"No",{"$f":"VLOOKUP(G109,$B$118:$F$121,5,0)","v":1200}]
[null,null,null,null,null,"New Loan",{"$f":"B121","v":"Non Resident"},null,"NA",null,"No",{"$f":"VLOOKUP(G110,$B$118:$F$121,5,0)","v":0}]
[null,null,null,null,null,"Top-Up (on existing insured loan)","All",null,"Loan Amount 500000 or greater",null,{"$f":"IF(AND($G$62=$F$111,$G$59>500000),\"Yes\",\"No\")","v":"No"},{"$f":"D124","v":1500}]
[]
[null,null,null,null,null,null,null,null,null,null,"Minimum Premium Apppliable",{"$f":"IF(Premium!$K$28=1,MAX(IF($K$107:$K$111=\"Yes\",$L$107:$L$111)),0)","v":1200}]
[]
[null,null,null,null,null,null,null,null,null,null,"Current Calculated Premium",{"$f":"IF(NOW()-$C$79>0,\"Calculator expired\",IF(OR(H85=\"Refer\",G85=\"Refer\"),\"Refer\",MAX(G85,H85)))","v":{"$error":"#N/A"}}]
["Product",null,null,null,null,null,null,null,null,null,"Less Premium Already Paid",{"$f":"IF(Premium!$K$11=2,IF(Premium!$K$13>0,Premium!$K$19,0),0)","v":0}]
[null,null,null,"Max LVR %","Max $","Min Prem Amount",null,null,null,null,"Net Premium",{"$f":"IF(L115=\"Refer\",\"Refer\",L115-L116)","v":{"$error":"#N/A"}}]
[1,"Standard",null,95,3500000,1200]
[2,"Business Select",null,80,2500000,1200,null,null,null,null,"Applicable Premium Given Minumum Premium",{"$f":"IF(L117=\"Refer\",\"Refer\",MAX(L113,L117))","v":{"$error":"#N/A"}}]
[3,"SMSF",null,95,3500000,1200]
[4,"Non Resident"]
[]
[]
["Global Min. Premium - top-ups where total exposure > $500,000",null,null,1500]
["Predominant security type % for application of Inv. Loader",null,null,0.5]
[]
[]
["Policy max. for Investment loans after cap:",null,null,0.95]
[]
["Capitalise premium?"]
[1,"No",0.85]
[2,"Yes",1]