Clear Serviceability. Confident Decisions. Made Simple.
Serviceability drives every lending decision — but it’s also where applications stall. Spreadsheets, disconnected scenarios, uncertainty about which numbers are current.
Quantum’s Serviceability view changes that. One structured, transparent workspace to assess serviceability and move from calculation to decision with confidence.
Serviceability Built Around How You Work
Quantum takes a standardised, modular approach — configured to your organisation’s policy, calculation method, and versioning. Results are consistent across teams, methodology is always clear, and outputs are easy to explain. Serviceability stops being a black box.
One Page to Review, Adjust and Re-Run
From a single view you can review outcomes, update household details, relationships and dependants, adjust income, expenses and liabilities, and update products and lending purposes. Visual indicators show when data has changed since the last calculation — so you always know when to refresh.
Run When You Need To — Automatically or On Demand
Serviceability recalculates automatically within your workflow, or instantly on demand. One action re-runs the calculation and returns you straight to assessment.
Results That Surface What Matters
Results are presented as a clear summary: net income, expenses, liability repayments, surplus income, borrowing capacity, and key ratios — NSR, NSI, NDI, DSR, LTI, DTI. Visual indicators flag when results meet thresholds and ratios pass policy.
Scenario Modelling Without Leaving the System
Scenario mode lets you explore options without committing changes — model with uncommitted data, compare Scenario and Primary results side-by-side, save up to five named Scenarios, and revisit them as the application evolves. When ready, a single Publish action commits the data cleanly and auditably.
Transparency Beyond the Platform
Input data from both Primary and Scenario calculations can be exported for comparison against your own calculators — providing additional validation and confidence.
Why It Matters
Less time recalculating, more time deciding. Exceptions surface immediately. Scenarios are tested without risk. Applications move forward without unnecessary delays.
The Serviceability view isn’t just a calculator — it’s a decision support tool built to help you assess faster, focus on what matters, and efficiently progress every application with confidence.
Learn more or contact our team about Loanworks’ next-generation loan origination technologies to lower your costs and grow your business.
