Loanapp is configured with the Lender's actual serviceability metrics to give you an accurate assessment of the application.
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To generate serviceability, you must have a valid application.

It is important to remember that you must have a complete and valid application in order to be able to generate serviceability. This means you will have completed everything the lender requires to be taken into account for serviceability.

You will be able to visually see that you have a complete and valid application if you have no red bell symbols, and only green thumbs up throughout the application:

When you have a valid application and you are ready to generate serviceability, it can be found under the FILE tab in the top left corner:

Under the FILE Tab, you have a number features. The top two are Summary and Serviceability. When you first go to the FILE tab, you will note that Summary & Serviceability have padlocks next to them:

When you click on Summary or Serviceability, the system will do a quick check to make sure that you have a complete and valid application.

If you have missed something in the application, this check will highlight any mandatory fields that have not been completed. You can click on any error messages in this validation check to be taken back to the right field in the application to complete:

If you have a complete and valid application, you will not get any error messages and the system will be ready to generate serviceability.

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Click on Summary, and you will generate a number of Summary Reports:

You can generate an overall summary of the application, or drill down into more specific reports on Assets and Liabilities, Income and Expenses, or the Funds Position.

Under the Summary Tab, you can also generate a completed application form with the data you have entered in the application for review:

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Next, click on the Serviceability TAB to generate the serviceability reports. The first report is a full serviceability summary, based on the lender's actual serviceability metrics:

Loanapp reports then drill down into specific serviceability metrics, like LVR, NDI, DSR or NSR, and Maximum Borrowing Capacity:

Loanapp is set with pass, warning and fail intervals to indicate if you have passed according to the lender serviceability parameters. Hover over the icon to read:

You can email any of the reports directly from Loanapp to your customer by clicking the "Email" button:

The email service will automatically have your details as the signature. You need to select the files you wish to attach by CTRL+Select:

You can also download any of the reports to save or print:

You can always go back into the application and change data at any time, and then regenerate serviceability (remember, you must have a complete and valid application).