When the applicants declared living expenses are less than the HEM Loanapp will automatically calculate the Hem and this will be displayed as just one line of ' Basic Living Expenses'  plus the extra declared living expenses that are not included in the HEM calculation on the Summary, Income and Expenses table and on the Serviceability, Expenses Details - Borrowers section, as per below:

When the applicants Living Expenses are greater than the HEM Loanapp will itemise all expenses on the Summary, Income and Expenses table and on the Serviceability, Expenses Details - Borrowers section, as per below:

If you require further clarification on this please send us a chat.