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{"sheet":"Construction Calculator","index":0,"n_rows":40,"n_cols":10,"rows_kept":40,"cut":false,"hidden":false,"merged":[[1,7,5,9],[8,7,8,9],[13,7,13,8],[14,7,14,8],[15,7,15,8],[10,7,10,8],[11,7,11,8],[12,7,12,8],[16,7,16,8],[17,7,17,8],[20,7,20,8],[23,7,23,8],[24,7,24,8],[18,7,18,8],[25,7,25,8],[26,7,26,8],[27,7,28,8],[29,7,31,9],[33,0,33,2],[39,0,43,5],[19,0,19,2],[22,0,22,2],[23,0,23,2],[4,0,4,5],[5,1,5,4],[6,2,6,4],[7,0,7,2],[9,4,9,5],[13,4,13,5],[14,0,14,2]]}
[]
[null,null,null,null,null,null,null,"Use this calculator to determine the loan amount required to complete a residential construction project. The calculator shows the initial amount released at settlement (Initial Advance) and the borrower’s required contribution, including any contribution toward construction, if applicable."]
[]
[]
["Residential Construction Calculator - BROKER v1.1                             July 2026"]
["Applicant's Name"]
[]
["Land",null,null,null,"Loan Amount",0]
["Land Value (Market Value)",null,0,null,null,null,null,"Construction Loan Summary"]
["Land Transaction Type",null,"Purchase",null,"On Completion"]
[{"$f":"_xlfn.IFS(C10=\"Purchase\", \"Land Purchase Price\", C10=\"Refinance\", \"Existing Mortgage\", C10=\"Equity Release\", \"\")","v":"Land Purchase Price"},null,0,null,"Market Value on Completion",0,null,"Value on Completion",null,{"$f":"F11","v":0}]
["State",null,"NSW",null,"LVR on Completion (max 80%)",{"$f":"F8/F11","v":{"$error":"#DIV/0!"}},null,"LVR on Completion",null,{"$f":"F12","v":{"$error":"#DIV/0!"}}]
["ORDE postcode location category",null,"Cat 1",null,null,null,null,"Funds Required"]
[null,null,null,null,"Loan To Cost",null,null,{"$f":"A11","v":"Land Purchase Price"},null,{"$f":"IF(C11>0, C11, \"\")","v":""}]
["Build",null,null,null,"Build + inspection budget",{"$f":"C16+C18","v":3000},null,"Build Contract + Check cost variation",null,{"$f":"C16+C17","v":0}]
["Building Contract",null,0,null,"Out of contract variations",{"$f":"C17","v":0},null,{"$f":"A18","v":"Budget for progress inspections"},null,{"$f":"C18","v":3000}]
["Out of contract variations",null,0,null,"Setup Costs",{"$f":"C33","v":1063},null,"Stamp Duty + Transfer Fee",null,{"$f":"C37","v":0}]
["Budget for progress inspections",null,{"$f":"IF(C16>=1500000, C16*5%, 3000)","v":3000},null,"Aquisition Costs",{"$f":"C37","v":0},null,"ORDE/Broker/Gov't Fees",null,{"$f":"C33","v":1063}]
[null,null,null,null,"Land",{"$f":"IF(C10=\"Purchase\", MIN(C9, C11), C9)","v":0},null,"Total Funds Required",null,{"$f":"SUM(J14:J18)","v":4063}]
["Contributions",null,null,null,"Stamp Duty PAID (land settled <12m)",0]
["Deposit Paid (Land)",null,0,null,"Total Land + Build + Costs",{"$f":"SUM(F15:F20)","v":4063},null,"Loan Amount",null,{"$f":"F8","v":0}]
[null,null,null,null,"Loan To Cost (max 80%)",{"$f":"F8/F21","v":0},null,"Deposit Paid",null,{"$f":"C21","v":0}]
["Transaction Costs"]
["Setup Costs",null,null,null,null,null,null,"Funds retained for construction",null,{"$f":"F8-F25","v":-1063}]
["Application Fee",1.2500000000000001E-2,{"$f":"B25*F8","v":0},null,"Initial Advance at Settlement",{"$f":"ROUND(IF(F8-F15-F16<0, C33, MIN(MAX(F8-F15-F16,C33),F19*IF(C13=\"Cat 1\",0.75, 0.7))), 0)","v":1063},null,"Initial Loan Advance",null,{"$f":"F25","v":1063}]
["Settlement Fee",0,{"$f":"F8*B26","v":0},null,"Surplus/Contribution for Build",{"$f":"F8-F25-F15-F16","v":-4063},null,"Contribution required at settlement",null,{"$f":"IF(F28 <0, ABS(F28), \"No contribution at settlement\")","v":"No contribution at settlement"}]
["Broker's Mandate",0,{"$f":"F8*B27","v":0},null,{"$f":"_xlfn.TEXTJOIN(\" \", 1, \"LVR against Land (max\", IF(C13=\"Cat 1\", \"75%)\", \"70%)\"))","v":"LVR against Land (max 75%)"},{"$f":"F25/F19","v":{"$error":"#DIV/0!"}},null,"Contribution prior to the first progress drawdown",null,{"$f":"ABS(F26)","v":4063}]
["Mortgage Registration Fee",null,{"$f":"_xlfn.XLOOKUP(C12, Data!O4:O11, Data!R4:R11)","v":182.73},null,"Surplus/Deficit at Settlement",{"$f":"F25-C38+C21-C11","v":0},null,"TOTAL contribution required prior to progress drawdown",null,{"$f":"IF((F26+F28) <0, ABS(F26+F28), \"No contribution required\")","v":4063}]
["Lender's Legals",null,880]
["Title Insurance Fee",null,{"$f":"IF(AND(F8>0,F8<=4000000),\n_xlfn.XLOOKUP(F8,Data!C4:C9,_xlfn.XLOOKUP(C12,Data!D3:K3,Data!D4:K9,,,),,1,),\nROUNDUP((F8/1000)*0.5*_xlfn.XLOOKUP(C12,Data!D3:K3,Data!D9:K9,,,),2))","v":0},null,null,null,null,"The above figures are based on the information available to us. They are subject to change including, but not limited to: solicitor's fees, third party fees, lender's fees, refinance fees and purchase adjustments."]
["Borrower's Conveyancer",null,0]
["Other - to be paid",null,0]
["Total Setup Costs",null,{"$f":"ROUND(SUM(C25:C32), 0)","v":1063}]
["Acquisition Costs"]
["Stamp Duty",null,{"$f":"IF(C10=\"Purchase\", VLOOKUP(C12, Data!O4:P11,2,FALSE),0)","v":0}]
["Transfer fee",null,{"$f":"IF(OR(C10<>\"Purchase\",C11=0), 0, _xlfn.IFS(\nC12=\"VIC\",MIN(Data!U4,ROUND(Data!T4+(FLOOR(C11,1000)*2.34/1000),0)),\nC12=\"NSW\",Data!R5,\nC12=\"ACT\",Data!T9,\nC12=\"NT\",Data!R10,\nC12=\"Tas\",Data!T11,\nC12=\"SA\",Data!T6+CEILING((C11-50000)/10000,1)*Data!U6,\nC12=\"QLD\",IF(C11<=180000,C28,C28+(CEILING(C11,10000)-180000)*Data!T7/10000),\nC12=\"WA\",_xlfn.IFS(C11<=120000,Data!T8,C11<=200000,Data!U8,C11<=2000000,Data!U8+(CEILING(C11,100000)-200000)*Data!V8/100000,C11>2000000,Data!W8+CEILING(C11,100000)*Data!V8/100000)))","v":0}]
["Total Aquisition Costs",null,{"$f":"ROUND(SUM(C35:C36),0)","v":0}]
["TOTAL TRANSACTION COSTS",null,{"$f":"C33+C37","v":1063}]
[]
["The information contained in this calculator is provided by ORDE Financial Pty Limited ACN 634 779 990 Australian Credit Licence 522079 and ORDE Capital Management Limited ACN 636 165 378 Australian Financial Services Licence 523150 Australian Credit Licence 523150 for illustrative purposes only and should not be regarded as a prediction, or as personal advice. Calculations are not forecasts or projections but is a tool that may assist you to make your own projections. The calculator is not intended to be a substitute for professional advice. The information in this calculator does not constitute an offer to lend, or imply the product is suitable for clients. Before acting on this general information, your client must consider its appropriateness having regard to their own objectives, financial situation and need and also seek independent financial, legal and taxation advice. No guarantee, warranty, or representation is given or implied as to the reliability or accuracy of the information use to compile each index or each calculation. ORDE Financial specifically disclaims any liability for any direct, indirect, incidental, consequential, or special damages or for any loss arising out of or in any way connected with the access to, reliance on, or use of this calculator."]

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[]
[null,null,"Residential","ACT","NSW","NT","QLD","SA","TAS","VIC","WA","BASE",null,null,"State","Stamp Duty (Constr.)","Stamp Duty (Develop.)","Mortgage Registration",null,"Parameters for Trasfer fee",null,null,null,"Parameters for Stamp Duty"]
[null,null,600000,{"$f":"$L$4*$D$26*D27","v":132},{"$f":"$L$4*$D$26*E27","v":143.88000000000002},145.20000000000002,143.88000000000002,146.52000000000001,145.20000000000002,145.20000000000002,145.20000000000002,120,null,null,"VIC",{"$f":"ROUND(IF('Construction Calculator'!C11>X4, ('Construction Calculator'!C11-X4)*0.065+Y4, IF('Construction Calculator'!C11>Z4,'Construction Calculator'!C11*0.055,IF('Construction Calculator'!C11>AA4,AB4 + ('Construction Calculator'!C11-AA4)*0.06, IF('Construction Calculator'!C11> AC4, AD4 + ('Construction Calculator'!C11-AC4)*0.024, 'Construction Calculator'!C11*0.014)))),)","v":0},null,139.5,null,114.8,3624,null,null,2000000,110000,960000,130000,2870,25000,350]
[null,null,1000000,{"$f":"$L$5*$D$26*D27","v":237.60000000000002},{"$f":"$L$5*$D$26*E27","v":258.98400000000004},261.36000000000007,258.98400000000004,263.73600000000005,261.36000000000007,261.36000000000007,261.36000000000007,216,null,null,"NSW",{"$f":"IF('Construction Calculator'!C11>0, IF('Construction Calculator'!C11>X5,CEILING(('Construction Calculator'!C11-X5)/100,1)*7+Y5, IF('Construction Calculator'!C11>Z5,CEILING(('Construction Calculator'!C11-Z5)/100,1)*5.5+AA5,IF('Construction Calculator'!C11>AB5,CEILING(('Construction Calculator'!C11-AB5)/100,1)*4.5+AC5, IF('Construction Calculator'!C11>AD5, CEILING(('Construction Calculator'!C11-AD5)/100,1)*3.5+AE5)))), 0)","v":0},null,182.73,null,null,null,null,null,3870000,194137,1290000,52237,387000,11602,103000,1662]
[null,null,2000000,{"$f":"$L$6*$D$26*D27","v":475.20000000000005},{"$f":"$L$6*$D$26*E27","v":517.96800000000007},522.72000000000014,517.96800000000007,527.47200000000009,522.72000000000014,522.72000000000014,522.72000000000014,432,null,null,"SA",{"$f":"\nIF('Construction Calculator'!C11 > X6, Y6 + 0.055  * ('Construction Calculator'!C11 - X6),\nIF('Construction Calculator'!C11 > Z6, AA6 + 0.05   * ('Construction Calculator'!C11 - Z6),\nIF('Construction Calculator'!C11 > AB6,  AC6 + 0.0475 * ('Construction Calculator'!C11 - AB6),\nIF('Construction Calculator'!C11 > AD6,  AE6 + 0.0425 * ('Construction Calculator'!C11 - AD6),\nIF('Construction Calculator'!C11 > AF6,  AG6 + 0.04   * ('Construction Calculator'!C11- AF6),\nIF('Construction Calculator'!C11 >  AH6,  AI6 + 0.035  * ('Construction Calculator'!C11- AH6),\nIF('Construction Calculator'!C11 >  30000,   480 + 0.03   * ('Construction Calculator'!C11 - 30000),\nIF('Construction Calculator'!C11 >  12000,   120 + 0.02   * ('Construction Calculator'!C11 - 12000),\n                          0.01   *  'Construction Calculator'!C11)\n)))))))","v":0},null,204,null,353,105,null,null,500000,21330,300000,11330,250000,8955,200000,6830,100000,2830,50000,1080]
[null,null,3000000,{"$f":"$L$7*$D$26*D27","v":712.80000000000007},{"$f":"$L$7*$D$26*E27","v":776.95200000000011},784.08000000000015,776.95200000000011,791.2080000000002,784.08000000000015,784.08000000000015,784.08000000000015,648,null,null,"QLD",{"$f":"ROUND(\n  IF('Construction Calculator'!C11 > X7, Y7 + 0.0575 * ('Construction Calculator'!C11 - X7),\n  IF('Construction Calculator'!C11 > Z7, AA7 + 0.045  * ('Construction Calculator'!C11 - Z7),\n  IF('Construction Calculator'!C11 > AB7,  AC7 + 0.035  * ('Construction Calculator'!C11 - AB7),\n  IF('Construction Calculator'!C11 > AD7,         0.015  * ('Construction Calculator'!C11 - AD7),\n  0)))),)","v":0},null,248.04,null,46.56,null,null,null,1000000,38025,540000,17325,75000,1050,5000]
[null,null,4000000,{"$f":"$L$8*$D$26*D27","v":950.40000000000009},{"$f":"$L$8*$D$26*E27","v":1035.9360000000001},1045.4400000000003,1035.9360000000001,1054.9440000000002,1045.4400000000003,1045.4400000000003,1045.4400000000003,864,null,null,"WA",{"$f":"\nIF('Construction Calculator'!C11 > X8, Y8 + 0.0515 * (CEILING('Construction Calculator'!C11, 100) - X8),\nIF('Construction Calculator'!C11 > Z8, AA8 + 0.0475 * (CEILING('Construction Calculator'!C11,100) - Z8),\nIF('Construction Calculator'!C11 > AB8,  AC8 + 0.038  * (CEILING('Construction Calculator'!C11,100) - AB8),\nIF('Construction Calculator'!C11 > AD8,  AE8 + 0.0285 * (CEILING('Construction Calculator'!C11,100) - AD8),\n                        0.019  *  CEILING('Construction Calculator'!C11,100))\n)))","v":0},null,225.1,null,235.1,255.1,20,615.1,725000,28453,360000,11115,150000,3135,120000,2280]
[null,null,4000001,{"$f":"ROUND($D$26*D27, 2)","v":1.1000000000000001},{"$f":"ROUND($D$26*E27, 2)","v":1.2},1.21,1.2,1.22,1.21,1.21,1.21,null,null,null,"ACT",{"$f":"\nIF('Construction Calculator'!C11 > X9, 0.0454 * 'Construction Calculator'!C11,\nIF('Construction Calculator'!C11 > Z9, Y9 + 0.064 * ('Construction Calculator'!C11- Z9),\nIF('Construction Calculator'!C11 > AB9, AA9 + 0.059 * ('Construction Calculator'!C11 - AB9),\nIF('Construction Calculator'!C11 > AD9, AC9 + 0.0432 * ('Construction Calculator'!C11 - AD9),\nIF('Construction Calculator'!C11 > AF9, AE9 + 0.034 * ('Construction Calculator'!C11 - AF9),\nIF('Construction Calculator'!C11 > AH9, AG9 + 0.022 * ('Construction Calculator'!C11 - AH9),\nMAX(0.012*'Construction Calculator'!C11,20)\n))))))","v":20},null,184,null,496,null,null,null,1455000,36950,1000000,22200,750000,11400,500000,4600,300000,2400,200000,2100000]
[null,"additional security same state",null,{"$f":"ROUND(ROUND(ROUND($L$10,1)*$D$26,2)*D27,2)","v":95.04},{"$f":"ROUND(ROUND(ROUND($L$10,1)*$D$26,2)*E27,2)","v":103.59},104.54,103.59,105.49,104.54,104.54,104.54,86.363636363599994,null,null,"NT",{"$f":"MROUND(\nIF('Construction Calculator'!C11 > X10, 0.0595 * 'Construction Calculator'!C11,\nIF('Construction Calculator'!C11 > Y10, 0.0575 * 'Construction Calculator'!C11,\nIF('Construction Calculator'!C11 > Z10, 0.0495 *'Construction Calculator'!C11,\n                  0.06571441 * ((('Construction Calculator'!C11/1000)^2)) + 15 * ('Construction Calculator'!C11/1000)))),0.05)","v":0},null,181,null,null,null,null,null,5000000,3000000,525000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TAS",{"$f":"\nIF('Construction Calculator'!C11 > X11, Y11 + 0.045  * (CEILING('Construction Calculator'!C11,100) - X11),\nIF('Construction Calculator'!C11 > Z11, AA11 + 0.0425 * (CEILING('Construction Calculator'!C11,100) - Z11),\nIF('Construction Calculator'!C11 > AB11,  AC11 + 0.04   * (CEILING('Construction Calculator'!C11,100) - AB11),\nIF('Construction Calculator'!C11 >  AD11,  AE11 + 0.035  * (CEILING('Construction Calculator'!C11,100) - AD11),\nIF('Construction Calculator'!C11 >  AF11,   AG11 + 0.0225 * (CEILING('Construction Calculator'!C11,100) - AF11),\nIF('Construction Calculator'!C11 >   AH11,    AI11 + 0.0175 * (CEILING('Construction Calculator'!C11,100) - AH11),\n                   AI11)\n)))))","v":50},null,167.58,null,256.76,null,null,null,725000,27810,375000,12935,200000,5935,75000,1560,25000,435,3000,50]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Owner Occupied"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Residential",null,"Investment","Yes"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Commercial",null,"Purchase","No"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes",null,"Refinance","ORDE"]
[null,null,"Commercial","ACT","NSW","NT","QLD","SA","TAS","VIC","WA",null,null,null,"No",null,"Equity Release","OFI"]
[1,1,500000,{"$f":"(($D$23*$D$26)*D27)","v":330},{"$f":"(($D$23*$D$26)*E27)","v":359.70000000000005},363.00000000000006,359.70000000000005,366.3,363.00000000000006,363.00000000000006,363.00000000000006]
[2,500001,"500,001 - 999,999,999",{"$f":"(SUM('Construction Calculator'!$N$26, -$C$17)/1000*0.6+$D$23)*D27*$D$26","v":0},{"$f":"(SUM('Construction Calculator'!$N$26, -$C$17)/1000*0.6+$D$23)*E27*$D$26","v":0},{"$f":"(SUM('Construction Calculator'!$N$26, -$C$17)/1000*0.6+$D$23)*F27*$D$26","v":0},{"$f":"(SUM('Construction Calculator'!$N$26, -$C$17)/1000*0.6+$D$23)*G27*$D$26","v":0},{"$f":"(SUM('Construction Calculator'!$N$26, -$C$17)/1000*0.6+$D$23)*H27*$D$26","v":0},{"$f":"(SUM('Construction Calculator'!$N$26, -$C$17)/1000*0.6+$D$23)*I27*$D$26","v":0},{"$f":"(SUM('Construction Calculator'!$N$26, -$C$17)/1000*0.6+$D$23)*J27*$D$26","v":0},{"$f":"(SUM('Construction Calculator'!$N$26, -$C$17)/1000*0.6+$D$23)*K27*$D$26","v":0}]
[]
[]
[]
[]
[null,null,"BASE RATE",300]
[]
[]
[null,null,"GST ",1.1000000000000001,null,null,null,null,null,null,null,null,"Yes","Cat 1","$ Value","houses"]
[null,null,"Stamp duty",1,1.0900000000000001,1.1000000000000001,1.0900000000000001,1.1100000000000001,1.1000000000000001,1.1000000000000001,1.1000000000000001,null,"No","Cat 2","%","townhouses"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"apartments"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["WA","RESI",null,null,null,null,null,null,null,"Commecial"]
[null,"                           DUTIABLE VALUE",null,"DUTY THRESHOLDS",null,null,null,null,null,"                                 DUTIABLE VALUE",null,null,"DUTY THRESHOLDS"]
[null,"$0 – $120,000",null,"$1.90 per $100 or part thereof",null,null,null,null,null,"$0 – $80,000",null,null,"$1.90 per $100 or part thereof "]
[null,"$120,001 – $150,000",null,"$2,280 + $2.85 per $100 or part thereof above $120,000",null,null,null,null,null,"$80,001 - $100,000 ",null,null,"$1,520 + $2.85 per $100 or part thereof above $80,000"]
[null,"$150,001 – $360,000",null,"$ 3,135 + $3.80 per $100 or part thereof above $150,000",null,null,null,null,null,"$100,001 – $250,000",null,null,"$2,090 + $3.80 per $100 or part thereof above $100,000"]
[null,"$360,001 – $725,000",null,"$11,115 + $4.75 per $100 or part thereof above $360,000",null,null,null,null,null,"$250,001 – $500,000",null,null,"$7,790 + $4.75 per $100 or part thereof above $250,000"]
[null,"$725,001 and upwards",null,"$28,453 + $5.15 per $100 or part thereof above $725,000",null,null,null,null,null,"$500,001 and upwards",null,null,"$19,665 + $5.15 per $100 or part thereof above $500,000"]