As the majority of lenders servicing is now based on the actual rate plus 2.5% the accuracy of the borrowing capacity calculator is not accurate which results in brokers having to test numerous different individual lenders calculators for every potential loan which is very time consuming. Can the calculator be changed to have a minimum assessment rate and a maximum assessment rate for each lender. The system will take the lowest possible rate for the lender plus 2.5% and also the highest possible rate plus 2.5%. Then for each lender there can be a range of borrowing capacity from minimum $$ to maximum $$. At least this should be close to accurate. We would off course have to still use the actual calculator for the lender we choose.