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1) Select Settings | Preparer and enter your name and phone number This appears on Printouts).
Select Settings | Default State and select your home state.

	i) Client Details - contains client details including income and financial commitments.
	ii) Qualification - enter desired loan amount and determine if the borrower qualifies.
	iii) Maximum Amount - estimate how much the client can borrow.
	iv) Method - the method selection panel - select Lender/Loan Type and compare all methods here.

3) In the Client Details panel, enter the Number of Applicants and the number of Children.

4) Click on the Income field. A screen will pop up – the Income Form. Press the Help button and familiarize with the input fields. Fill in the Income form and press OK.

5) Click on the Commitments field. A screen will pop up – the Commitments Form. Press the Help button and familiarize with the input fields. Fill in the Commitments form and press OK.

6) In the Funds Avail field, enter the funds which the borrower is willing to contribute at settlement to cover the deposit and up front costs. NA is a valid option – meaning Not Available or “don’t know” and is the default. Note in circumstances where there is additional security involved, this figure may be zero.

7) Click on the Purchase Value field A screen will pop up – the New Titles Form (up to five properties). Note that entering Purchase Value is optional – it can be an unknown (the case if you are trying to determine maximum spend). For now, leave it as an unknown and press OK.

8) Click on the Additional Security field A screen will pop up – the Current Titles Form (up to five properties). Press the Help button and familiarize with the input fields. Note that this screen covers both refinancing and/or using equity in existing properties as additional security. For now, leave Additional Security as zero and press OK.. Thus we will be considering a simple purchase case.

9) At the bottom of the screen select a method (Lender). The methods reflect the break up that the lender applies to their product line when doing their serviceability assessment. Later when you get to the Products section, you will see a product by product serviceability assessment.

10) Note that there are two calculate buttons on screen, one in the Qualify Panel (centre screen), and one in the Maximum Amount Panel (under the Qualify Panel).

11) If you know the desired loan amount, enter it into either Owner Occupier or Investment in the Qualify Panel. Press the Calculate button.

12) If you want to calculate the Maximum Amount, press the Calculate button in the Maximum Amount Panel. This button is at the lower right of screen.

13) Press the Compare button in the bottom right to see the maximum borrow amount for all methods.

14) Note the ^Qual Detail^ button pushes the Maximum amount up in to the Qualify Panel.

15) Press the Details button on the Qualify Panel. View the calculation details and then close.

16) Press the Print button in both panels and familiarise with the printouts.

17) Note that the Qualify Panel also gives an estimate of funds required to complete the loan for a given LVR. To see what is included in this figure click on the Details button and scroll down.

18) The objective here is to leave the Qualify screen with a loan amount figure in the Qualify Panel which the borrower requires and can handle both in terms of capacity to repay and funds to compete.