Minimum Surplus (NSI) Guidelines
Net Surplus Income (NSI) is the final test in a serviceability calculation — the amount remaining after all commitments are deducted from assessed net income at the stressed rate.
Core Assessment Analysis
Net Surplus Income (NSI) or Net Quality Ratio (NQR) is the final calculation in servicing models. After subtracting your stressed mortgage payments, living costs, HECS deductions, and other liabilities from your net income, the remaining surplus must be positive. Lenders demand a safety buffer—often requiring NQR to exceed 1.0x—to approve the loan.
Why Underwriters Focus Here
A buffer protects the borrower against unforeseen cost-of-living increases and rate shocks.
Key Outcome Assessment Factors
Your total personal gross income, existing debt commitments, and local HEM brackets.
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Even a $5 deficit in NSI results in an automated decline with no appeal.
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