Accurate and reliable Serviceability Calculators
Empower your brokers to submit truly qualified applications.
Compose Serviceability calculators are set on your specific metrics, ensuring accurate implementation of pre-submission serviceability at point of sale. Compose allows you to set your preferred servicing indicator such as DSR (Debt Service Ratio), NSR (Net Service Ratio), and NDI (Net Disposable Income) with your internal variables; household living expenses, income tax scales and much more.

Accurate and reliable Serviceability Calculators
Empower your brokers to submit truly qualified applications.
Compose Serviceability calculators are set on your specific metrics, ensuring accurate implementation of pre-submission serviceability at point of sale. Compose allows you to set your preferred servicing indicator such as DSR (Debt Service Ratio), NSR (Net Service Ratio), and NDI (Net Disposable Income) with your internal variables; household living expenses, income tax scales and much more.

Features



Benefits
Know your calculators are always accurate
The requirements and lending criteria set in Compose are automatically synchronized with the interface which brokers and lenders access for application completion. For your chosen indicator we display the calculation formula and a summary of each component that is taken into account in determining serviceability. Changes take place in real-time, providing your brokers with helpful recommendations and visual aids, to give them a point of sale understanding of serviceability likelihood.
Give your distributors a clear understanding at point-of-sale
Serviceability is summarised beautifully for the end user to allow your brokers quickly understand and check application data to ensure Serviceability is being accurately calculated. LVR, Maximum Borrowing Capacity and Funds Position summaries enhance the end-user experience. Reports can be generated and easily emailed to loan parties.
Sync your Serviceability Calculators with your Products and the Application data
Compose delivers a complex engine to end user lodgement tools that gather values from both the application forms (income and expenses), as well as from your related Products Designer (interest and LVR percentage). This syncing enables our Calculations to take into account Product types, LVR bands, and overall lending to ensure an accurate assessment of risk-based serviceability.
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Serviceability rules
With Serviceability rules, you can easily configure allowable serviceability parameters and set business logic to define everything you need your brokers to fulfil. Here’s what you can do:
Set business logic to implement your own rules and policies applied to serviceability metrics
Set eligibility thresholds for main serviceability indicators such as NDI, DSR, NSR
Set pass, warning and fail parameters and messages to allow easy identification of data that needs to be updated
Define libraries of generic values such as household expenses and tax values
Create different serviceability instances for different application types
Set allowable metrics applied to income and liability types

Serviceability rules
With Serviceability rules, you can easily configure allowable serviceability parameters and set business logic to define everything you need your brokers to fulfil. Here’s what you can do:
Set business logic to implement your own rules and policies applied to serviceability metrics
Set eligibility thresholds for main serviceability indicators such as NDI, DSR, NSR
Set pass, warning and fail parameters and messages to allow easy identification of data that needs to be updated
Define libraries of generic values such as household expenses and tax values
Create different serviceability instances for different application types
Set allowable metrics applied to income and liability types
