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Nah bout 14 and a skype chat Our Financial planning FF is > 30 pages though.......... : ( ta rolf

The best calculator is lots of experience, some grey matter , fluffy questions for clients to contemplate and the use of the lenders own systems Ta Rolf

Those are reasonable generalities but there is lots of fuzzy logic around there with client specifics, lmi involvement, security, intent of borrower, income types blah blah With sufficient direct experience or that of a mentor or mentor group its simple, but its NOT obvious thats for sure...