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{"sheet":"Broker","index":0,"n_rows":106,"n_cols":13,"rows_kept":106,"cut":false,"hidden":false,"merged":[[82,1,82,3],[81,1,81,3],[80,1,80,3],[73,1,73,3],[72,1,72,3],[74,1,74,3],[75,1,75,3],[76,1,76,3],[77,1,77,3],[79,1,79,3],[77,4,77,11],[79,4,79,11],[80,4,80,11],[81,4,81,11],[82,4,82,11],[72,4,72,11],[73,4,73,11],[74,4,74,11],[75,4,75,11],[76,4,76,11],[88,4,88,11],[84,1,84,3],[86,1,86,3],[83,4,83,11],[87,1,87,3],[88,1,88,3],[84,4,84,11],[86,4,86,11],[87,4,87,11],[69,1,69,11],[42,1,42,11],[6,1,6,11],[58,1,58,11],[14,1,14,11],[26,1,26,11],[16,1,16,3],[18,1,18,3],[22,1,22,3],[24,1,24,3],[24,7,24,9],[13,3,13,7],[30,1,30,3],[60,1,60,3],[62,1,62,3],[64,1,64,3],[62,9,62,11],[64,9,64,11],[66,1,66,3],[66,9,66,11],[30,7,30,9],[37,1,37,3],[37,7,37,9],[101,1,101,4],[101,5,101,6],[92,1,92,11],[97,1,97,4],[97,5,97,6],[98,1,98,4],[98,5,98,6],[99,1,99,4],[99,5,99,6],[94,1,94,4],[94,5,94,6],[95,1,95,4],[95,5,95,6],[96,1,96,4],[96,5,96,6]]}
[]
[]
[]
[]
[]
[]
[null,"Residential Affordability Assessment"]
[]
[null,"Application Name",null,null,null,"Adviser Name",null,null,null,"Date Completed"]
[]
[null,"Product Type",null,null,null,"Product Rate"]
[]
[null,"No. of applicants ",null,null,null,"No. of adults residing in property",null,null,null,"No. of dependant children residing in property"]
[null,null,null,{"$f":"IF(AND(D13=1,H13=\"2+\"),\"Number of Adults Higher than Number of Applicants\",\"\")","v":""}]
[null,"Loan Required"]
[]
[null,"Type of mortgage required"]
[]
[null,"Mortgage required £"]
[]
[null,"Part & Part",null,"Capital & Interest",null,150000,null,"Interest-Only"]
[]
[null,"Value of property",null,null,null,null,null,"Loan to Value",null,{"$f":"IFERROR(SUM(F61/F23),0%)","v":0}]
[]
[null,"Term required (years) ",null,null,null,null,null,"(Max: 40 yrs C&I, 30 yrs I/O P&P)"]
[]
[null,"Income"]
[]
[null,"Applicant 1",null,"Annual Gross Income",null,null,null,"Applicant 2",null,"Annual Gross Income"]
[null,null,null,"Reliable Annual Overtime / Bonus",null,null,null,null,null,"Reliable Annual Overtime / Bonus"]
[null,"Average Net Monthly Income (Inclusive of bonus)",null,null,null,null,{"$f":"IF(AND(F29<>\"\",F31=\"\"),1,0)","v":0},"Average Net Monthly Income (Inclusive of bonus)",null,null,null,null,{"$f":"IF(AND(L29<>\"\",L31=\"\"),1,0)","v":0}]
[null,null,null,"Land & Property Income (Gross)",null,null,null,null,null,"Land & Property Income (Gross)"]
[null,null,null,"Land & Property Income (Net)",null,null,null,null,null,"Land & Property Income (Net)"]
[null,null,null,"Other Monthly Income",null,null,null,null,null,"Other Monthly Income"]
[null,null,null,null,null,{"$f":"IFERROR(F31*(F29/(F29+F30))+(F31*(F30/(F29+F30))*0.5)+(F33*0.5)+(F34*0.5),0)","v":0},null,null,null,null,null,{"$f":"IFERROR(L31*(L29/(L29+L30))+(L31*(L30/(L29+L30))*0.5)+(L33*0.5)+(L34*0.5),0)","v":0}]
[null,"Applicant 3",null,"Annual Gross Income",null,null,null,"Applicant 4",null,"Annual Gross Income"]
[null,null,null,"Reliable Annual Overtime / Bonus",null,null,null,null,null,"Reliable Annual Overtime / Bonus"]
[null,"Average Net Monthly Income (Inclusive of bonus)",null,null,null,null,{"$f":"IF(AND(F36<>\"\",F38=\"\"),1,0)","v":0},"Average Net Monthly Income (Inclusive of bonus)",null,null,null,null,{"$f":"IF(AND(L36<>\"\",L38=\"\"),1,0)","v":0}]
[null,null,null,"Land & Property Income (Gross)",null,null,null,null,null,"Land & Property Income (Gross)"]
[null,null,null,"Land & Property Income (Net)",null,null,null,null,null,"Land & Property Income (Net)"]
[null,null,null,"Other Monthly Income",null,null,null,null,null,"Other Monthly Income",null,null,{"$f":"SUM(G31,G38,M38,M31)","v":0}]
[null,null,null,null,null,{"$f":"IFERROR(F38*(F36/(F36+F37))+(F38*(F37/(F36+F37))*0.5)+(F40*0.5)+(F41*0.5),0)","v":0},null,null,null,null,null,{"$f":"IFERROR(L38*(L36/(L36+L37))+(L38*(L37/(L36+L37))*0.5)+(L40*0.5)+(L41*0.5),0)","v":0}]
[null,"Expenditure"]
[]
[null,"Applicant 1",null,"Loans/HP (Monthly Repayments)",null,null,null,"Applicant 2",null,"Loans/HP (Monthly Repayments)"]
[null,null,null,"Credit Card (Total Balances)",null,null,null,null,null,"Credit Card (Total Balances)"]
[null,null,null,"Other Unsecured Monthly Pmts",null,null,null,null,null,"Other Unsecured Monthly Pmts"]
[null,null,null,"School/Nursery Fees",null,null,null,null,null,"School/Nursery Fees"]
[null,null,null,"Monthly Council Tax (for subject property)",null,null,null,null,null,"Other (Monthly Payments)"]
[null,null,null,"Other (Monthly Payments)"]
[null,null,null,null,null,{"$f":"F45+(F46*3%)+F47+F48+F49+F50","v":0},null,null,null,null,null,{"$f":"L45+(L46*3%)+L47+L48+L50","v":0}]
[null,"Applicant 3",null,"Loans/HP (Monthly Repayments)",null,null,null,"Applicant 4",null,"Loans/HP (Monthly Repayments)"]
[null,null,null,"Credit Card (Total Balances)",null,null,null,null,null,"Credit Card (Total Balances)"]
[null,null,null,"Other Unsecured Monthly Pmts",null,null,null,null,null,"Other Unsecured Monthly Pmts"]
[null,null,null,"School/Nursery Fees",null,null,null,null,null,"School/Nursery Fees"]
[null,null,null,"Other (Monthly Payments)",null,null,null,null,null,"Other (Monthly Payments)"]
[]
[null,null,null,null,null,{"$f":"F52+(F53*3%)+F54+F55+F57","v":0},null,null,null,null,null,{"$f":"L52+(L53*3%)+L54+L55+L57","v":0}]
[null,"Affordability Calculation"]
[]
[null,"Total Amount Requested",null,null,null,{"$f":"' VBS Criteria'!M11","v":0},null,"Income Multiple",null,{"$f":"IFERROR(SUM(F61/F29),\"\")","v":""}]
[]
[null,"Maximum Capital & Interest loan (£)",null,null,null,{"$f":"IFERROR(' VBS Criteria'!P28,\"\")","v":""},null,"Outcome",null,{"$f":"IFERROR(\nIF(M41>0,\"Please enter net income figure\",\nIF($F$61>=F63*1.2,\"Fail\",\nIF($F$61>=F63*1,\"Refer to Intermediary Team\",\"Pass\"))),\"\")","v":""}]
[]
[null,"Maximum Interest Only loan  (£)",null,null,null,{"$f":"' VBS Criteria'!P36","v":{"$error":"#N/A"}},null,"Outcome",null,{"$f":"IF(J23>70%,\"Interest-only above 70% LTV - refer\",IF($F$61>=F65*1.2,\"Fail\", IF($F$61>=F65*1,\"Refer to Intermediary Team\",\"Pass\")))","v":{"$error":"#N/A"}}]
[]
[null,"Maximum Part & Part loan (£)",null,null,null,{"$f":"' VBS Criteria'!P52","v":{"$error":"#N/A"}},null,"Outcome",null,{"$f":"IF($F$61>=F67*1.2,\"Fail\",IF($F$61>=F67*1,\"Refer to Intermediary Team\",\"Pass\"))","v":{"$error":"#N/A"}}]
[]
[]
[null,"Guidance Notes"]
[]
[null,"Income"]
[null,"Annual Gross Income",null,null,"Employed - Basic Pay only Self Employed - Dividends or Net Profit (2yr Avg) plus salary - Retired - Annual Gross Pension Income"]
[null,"Annual Overtime / Bonus",null,null,"Employed Only - Annual value of bonus, overtime, car allowance or other enhancements received"]
[null,"Net Monthly Income",null,null,"Employed/Retired - Monthly total income after tax (including bonus/overtime etc)  Self-Employed - Declared Gross income after tax"]
[null,"Land & Property Income (Gross)",null,null,"Please enter the applicants profit from property rental income (minus mortgage payments and not based solely on SA302 computation)"]
[null,"Land & Property Income (Net)",null,null,"Gross Amount declared minus tax"]
[null,"Other Income",null,null,"Benefit income (see policy for acceptable benefits) - Any other income types, please discuss with Intermediary Sales Team "]
[null,"Expenditure"]
[null,"Loans/HP (Monthly Repayments)",null,null,"Cumulative monthly payments per applicant"]
[null,"Credit Card (Balances)",null,null,"Total value of all credit cards held per applicant excluding regularly cleared credit cards"]
[null,"Other Unsecured Monthly Pmts",null,null,"Catalogues, credit agreements with over 3 months to run,"]
[null,"School/Nursery Fees",null,null,"Fees to be stated on a monthly basis. Please advise the Intermediary Sales Team if these fees are due to end. "]
[null,null,null,"Council Tax (for subject property)","     Current rate of council tax paid on the property to be mortgaged - the monthly amount only needs to be entered once "]
[null,"Other (Monthly Payments)",null,null,"Example - Service charges or any regular bon-essential monthly expenditure items over £100pm"]
[null,"Other"]
[null,"Product Type",null,null,"5 Year Fixed and Discounted products are assessed against a lower stressed rate. This may change the maximum loan requested"]
[null,"Product Rate",null,null,"The product rate is required where a 5 year product has been selected. This allows us to assess affordability accurately"]
[null,"Affordability Assessment",null,null,"The assessment is based on ONS figures. Please advise the Intermediary Sales Team if you believe expenditure to be higher than average."]
[null,{"$f":"CONCATENATE(\"Stress Rate Used - \",' VBS Criteria'!C43)","v":"Stress Rate Used - 1.75"},"%"]
[]
[]
[null,"Affordability Overview"]
[]
[null,"Repayment Type",null,null,null,{"$f":"' VBS Criteria'!M15","v":0},null,null,null,"Gross Income Used",null,{"$f":"' VBS Criteria'!M21","v":0}]
[null,"Maximum Affordable Loan",null,null,null,{"$f":"IF(F95=\"Capital & Interest\",' VBS Criteria'!P21,IF(F95=\"Interest Only\",' VBS Criteria'!P31,IF(F95=\"Part & Part\",' VBS Criteria'!P46,\"\")))","v":""},null,null,null,"Net Monthly Income Used",null,{"$f":"' VBS Criteria'!M22","v":0}]
[null,"Maximum Affordable Loan Multiple",null,null,null,{"$f":"IFERROR(F96/' VBS Criteria'!M21,\"\")","v":""},null,null,null,"ONS Total",null,{"$f":"' VBS Criteria'!M24","v":{"$error":"#N/A"}}]
[null,"4.5x income",null,null,null,{"$f":"IF(F95=\"Capital & Interest\",' VBS Criteria'!P23,IF(F95=\"Interest Only\",' VBS Criteria'!P33,IF(F95=\"Part & Part\",' VBS Criteria'!P48,\"\")))","v":""},null,null,null,"Council Tax",null,{"$f":"' VBS Criteria'!M25","v":"Included below"}]
[null,"5x Income",null,null,null,{"$f":"IF(F95=\"Capital & Interest\",' VBS Criteria'!P24,IF(F95=\"Interest Only\",\"N/A\",IF(F95=\"Part & Part\",' VBS Criteria'!P49,\"\")))","v":""},null,null,null,"Commitments and Declared Expenditure",null,{"$f":"' VBS Criteria'!M26","v":0}]
[null,"90% of affordable Loan (>4.5x)",null,null,null,{"$f":"IF(F95=\"Capital & Interest\",' VBS Criteria'!P22,IF(F95=\"Interest Only\",\"N/A\",IF(F95=\"Part & Part\",' VBS Criteria'!P47,\"\")))","v":""},null,null,null,"Total Expenditure",null,{"$f":"' VBS Criteria'!M27","v":{"$error":"#N/A"}}]
[]
[null,"Maximum Loan Available",null,null,null,{"$f":"IF(F95=\"Capital & Interest\",' VBS Criteria'!P28,IF(F95=\"Interest Only\",' VBS Criteria'!P36,IF(F95=\"Part & Part\",' VBS Criteria'!P52,\"\")))","v":""},null,null,null,"Amount Available for Mortgage",null,{"$f":"' VBS Criteria'!M29","v":{"$error":"#N/A"}}]
[]
[null,null,null,null,null,null,null,null,null,"Payment at Stressed rate",null,{"$f":"IF(F95=\"Capital & Interest\",' VBS Criteria'!P25,IF(F95=\"Interest Only\",' VBS Criteria'!P34,IF(F95=\"Part & Part\",' VBS Criteria'!P44,\"\")))","v":""}]
[]
[null,null,null,null,null,null,null,null,null,"Affordability",null,{"$f":"L102-L104","v":{"$error":"#N/A"}}]

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["PEL"]
[]
["Proxy Expected Loss"]
[]
[null,"LTV","PEL"]
["BTL",null,7.0000000000000001E-3]
["Holiday BTL",null,7.0000000000000001E-3]
["Mainstream","80% to 90%",0.01]
["Mainstream",">90%",1.0999999999999999E-2]
["Mainstream","<80%",7.0000000000000001E-3]
["Mainstream","<60%",5.4999999999999997E-3]
[]
["LTV Bands",null,"Description"]
[0,0.6,"Less than 60%"]
[0.60000010000000004,0.7,"60 % <70%"]
[0.70000010000000001,0.8,"70%  <80%"]
[0.80000009999999999,0.9,"80%  <90%"]
[0.90000009999999997,0.95,"90% <95%"]
[0.95000000100000004,1,"≥95%"]
[]
["LEL Assumptions"]
[]
["PD Scalar","Current"]
["Resi",2.5]
["BTL",2.7]
["Floors"]
["PD",5.0000000000000001E-4]
["LGD",0.05,"5% on all loans",null,"On loans >50% LTV"]
["Prob (Possession │Default)",0.7]
["Haircut",0.25]
["Sale Cost %",0.1]
["Sale Costs - Cap",30000]

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[null,null,null,null,null,"Residential Affordability Calculator",null,null,null,null,null,"Mortgage Affordability Calculator - 22.0 - November 2025"]
[null,null,"Borrower name(s)",null,null,null,null,null,null,null,"Prepared by:"]
[]
[null,null,"Application number",null,null,null,null,null,null,null,"Date prepared:"]
[]
[null,null,"Product Type"]
[]
[null,null,"Product Rate"]
[]
[null,null,"Type of mortgage required",null,null,null,null,{"$f":"IF(F12=\"\",\"\",IFERROR(IF(AND(OR(F10='Drop down'!C3),H16>60),\"WARNING LOAN EXCEEDS 60% LTV\",\"\"),\"\"))","v":""}]
[]
[null,null,"Mortgage required £"]
[]
[null,null,"Part & Part                                                  Capital & Interest",null,null,200000,null,"Interest-Only"]
[]
[null,null,"Value of property",null,null,null,null,{"$f":"IFERROR(((' VBS Criteria'!G11)/F16)*100,\"\")","v":""},"%"]
[]
[null,null,"Term required (years) (Max: 40 yrs C&I, 30 yrs I/O)",null,null,null,null,{"$f":"IF(AND(OR(F10='Drop down'!C3),F18>30),\"WARNING LOAN EXCEEDS MAX 30 YEAR TERM (N/A FOR RIO)\",\"\")","v":""}]
[]
[null,null,"Number of applicants "]
[]
[null,null,"Household - Number of adults residing in property",null,null,null,null,{"$f":"IF(AND(F20=1,F22=\"2+\"),\"Adults in property higher than applicants - please refer\",\"\")","v":""}]
[]
[null,null,"Number of dependant children residing in property"]
[]
[null,null,null,null,null,"Applicant 1",null,"Applicant 2",null,"Applicant 3",null,"Applicant 4"]
[null,null,"Credit Score"]
[]
[null,null,"Total Gross Annual Income",null,null,{"$f":" '2 - Income'!H30","v":0},null,{"$f":"'2 - Income'!P30","v":0},null,{"$f":"'2 - Income'!H62","v":0},null,{"$f":"'2 - Income'!P62","v":0}]
[]
[null,null,"Net Monthly income ",null,null,{"$f":"'2 - Income'!H31/12","v":0},null,{"$f":"'2 - Income'!P31/12","v":0},null,{"$f":"'2 - Income'!H63/12","v":0},null,{"$f":"'2 - Income'!P63/12","v":0}]
[null,null,"Monthly committed expenditure:"]
[null,null,"Unsecured Credit Commitments",null,null,{"$f":"'3 - Debt'!M4","v":0},null,{"$f":"'3 - Debt'!M5","v":0},null,{"$f":"'3 - Debt'!M6","v":0},null,{"$f":"'3 - Debt'!M7","v":0}]
[]
[null,null,"Essential expenditure & basic standard of living costs:",null,"ONS Category","Amount Used",null,null,null,null,null,null,null,"Affordability based on",null,"ONS","Higher Amount","Override"]
[null,null,"Council tax",null,"n/a",{"$f":"'4 - Expenditure'!J4","v":0},null,null,null,null,null,null,null,{"$f":"'4 - Expenditure'!K4","v":""},null,null,{"$f":"F36","v":0}]
[null,null,"Ground rent / service charge",null,4,{"$f":"'4 - Expenditure'!G5","v":0},null,null,null,null,null,null,null,{"$f":"'4 - Expenditure'!K5","v":""},null,null,{"$f":"F37","v":0}]
[null,null,"Home Fuel & Utility Bills",null,4,{"$f":"'4 - Expenditure'!G6","v":0},null,null,null,null,null,null,null,{"$f":"'4 - Expenditure'!K6","v":""},null,{"$f":"IFERROR(HLOOKUP(' VBS Criteria'!G19,'ONS Update'!$C$5:$J$17,5,FALSE),\"\")","v":""},{"$f":"IFERROR(IF(R38>0,R38,(IF(P38>(F38),P38,F38))),\"0\")","v":""},null,{"$f":"IF(AND(F38<P38,$F$12>$H$66),1,0)","v":0}]
[null,null,"Food, groceries, toiletries and cleaning products",null,"1, 5 and 12",{"$f":"'4 - Expenditure'!G7","v":0},null,null,null,null,null,null,null,{"$f":"'4 - Expenditure'!K7","v":""},null,{"$f":"IFERROR(HLOOKUP(' VBS Criteria'!G19,'ONS Update'!$C$5:$J$17,2,FALSE) + HLOOKUP(' VBS Criteria'!G19,'ONS Update'!$C$5:$J$17,6,FALSE) + (HLOOKUP(' VBS Criteria'!G19,'ONS Update'!$C$5:$J$17,13,FALSE) * 30%) + HLOOKUP(' VBS Criteria'!G19,'ONS Update'!$C$5:$J$17,3,FALSE), 0)","v":0},{"$f":"IFERROR(IF(R39>0,R39,(IF(P39>(F39),P39,F39))),\"0\")","v":0}]
[null,null,"Essential Travel Costs (exclude car insurance)",null,7,{"$f":"'4 - Expenditure'!G8","v":0},null,null,null,null,null,null,null,{"$f":"'4 - Expenditure'!K8","v":""},null,{"$f":"IFERROR(HLOOKUP(' VBS Criteria'!G19,'ONS Update'!$C$5:$J$17,8,FALSE),\"\")","v":""},{"$f":"IFERROR(IF(R40>0,R40,(IF(P40>(F40),P40,F40))),\"0\")","v":""},null,{"$f":"IF(AND(F40<P40,$F$12>$H$66),1,0)","v":0}]
[null,null,"Essential Insurances (include car insurance if applicable)",null,12,{"$f":"'4 - Expenditure'!G9","v":0},null,null,null,null,null,null,null,{"$f":"'4 - Expenditure'!K9","v":""},null,{"$f":"IFERROR(HLOOKUP(' VBS Criteria'!G19,'ONS Update'!$C$5:$J$17,13,FALSE)*70%,\"\")","v":""},"",null,{"$f":"IF(AND(F41<P41,$F$12>$H$66),1,0)","v":0}]
[null,null,"Telephones / Internet / TV and Satellite costs",null,"8 & 9",{"$f":"'4 - Expenditure'!G10","v":0},null,null,null,null,null,null,null,{"$f":"'4 - Expenditure'!K10","v":""},null,{"$f":"IFERROR(HLOOKUP(' VBS Criteria'!G19,'ONS Update'!$C$5:$J$17,9,FALSE),\"0\")+IFERROR(HLOOKUP(' VBS Criteria'!G19,'ONS Update'!$C$5:$J$17,10,FALSE),\"0\")","v":0},0,null,{"$f":"IF(AND(F42<P42,$F$12>$H$66),1,0)","v":0}]
[null,null,"Childcare (include School Fees if applicable)",null,null,{"$f":"'4 - Expenditure'!G11","v":0},null,null,null,null,null,null,null,{"$f":"'4 - Expenditure'!K11","v":""},null,null,{"$f":"F43","v":0}]
[null,null,"Clothing and Footwear",null,3,{"$f":"'4 - Expenditure'!G12","v":0},null,null,null,null,null,null,null,{"$f":"'4 - Expenditure'!K12","v":""},null,{"$f":"IFERROR(HLOOKUP(' VBS Criteria'!G19,'ONS Update'!$C$5:$J$17,4,FALSE),\"\")","v":""},{"$f":"IFERROR(IF(R44>0,R44,(IF(P44>(F44),P44,F44))),\"0\")","v":""}]
[null,null,"Other Noted Expenditure (from expenditure tab)",null,null,{"$f":"'4 - Expenditure'!J24","v":0},null,null,null,null,null,null,null,{"$f":"IF(F45>0,\"See tab 4\",\"\")","v":""},null,null,{"$f":"F45","v":0}]
[null,null,"Higher of ONS Miscellaneous Expenditure or 5% of Income",null,null,{"$f":"IF(SUM(F31:L31)=0,0,MIN((' VBS Criteria'!G21*' VBS Criteria'!B4),' VBS Criteria'!J51))","v":0},null,null,null,null,null,null,null,{"$f":"IFERROR(IF(F46>P46,\"5% of Income\",\"ONS\"),\"\")","v":"ONS"},null,{"$f":"IFERROR(HLOOKUP(' VBS Criteria'!G19,'ONS Update'!$C$5:$J$17,4,FALSE)+HLOOKUP(' VBS Criteria'!G19,'ONS Update'!$C$5:$J$17,6,FALSE)+HLOOKUP(' VBS Criteria'!G19,'ONS Update'!$C$5:$J$17,12,FALSE),\"\")","v":""},{"$f":"IFERROR(IF(R46>0,R46,(IF(P46>(F46),P46,F46))),\"0\")","v":""}]
[]
[]
[null,null,null,"Affordability Overview"]
[]
[null,null,null,"Total Net Income",null,{"$f":"' VBS Criteria'!G21","v":0},null,"Repayment Type",null,null,null,{"$f":"' VBS Criteria'!G15","v":0}]
[null,null,null,"Essential Expenditure",null,{"$f":"IFERROR(SUM(Q36:Q46), \"£0\")","v":0},null,"Maximum Affordable Loan",null,null,null,{"$f":"IF(' VBS Criteria'!G15=\"Capital & Interest\",' VBS Criteria'!J11,IF(' VBS Criteria'!G15=\"Interest Only\",' VBS Criteria'!J22,IF(' VBS Criteria'!G15=\"Part & Part\",' VBS Criteria'!J38,\"\")))","v":""}]
[null,null,null,"Unsecured Credit Commitments",null,{"$f":"SUM(F33,H33,J33,L33)","v":0},null,"Maximum Affordable Loan Multiple",null,null,null,{"$f":"IFERROR(L52/' VBS Criteria'!G20,\"\")","v":""}]
[null,null,null,"Expenditure Total",null,{"$f":"SUM(F52:F53)","v":0},null,"4.75x income",null,null,null,{"$f":"IF(' VBS Criteria'!G15=\"Capital & Interest\",' VBS Criteria'!J14,IF(' VBS Criteria'!G15=\"Interest Only\",' VBS Criteria'!J25,IF(' VBS Criteria'!G15=\"Part & Part\",' VBS Criteria'!J40,\"\")))","v":""}]
[null,null,null,null,null,null,null,"5x Income",null,null,null,{"$f":"IF(' VBS Criteria'!G15=\"Capital & Interest\",' VBS Criteria'!J15,IF(' VBS Criteria'!G15=\"Interest Only\",\"N/A\",IF(' VBS Criteria'!G15=\"Part & Part\",' VBS Criteria'!J41,\"\")))","v":""}]
[null,null,null,"Income available for mortgage repayment",null,{"$f":"' VBS Criteria'!G28","v":0}]
[null,null,null,"Stressed Mortgage Payment",null,{"$f":"IFERROR(IF(AND(' VBS Criteria'!G22=\"No\",' VBS Criteria'!G23=\"No\"),' VBS Criteria'!J16,IF(' VBS Criteria'!G22=\"Yes\",' VBS Criteria'!J26,IF(' VBS Criteria'!G23=\"Yes\",' VBS Criteria'!J36,\"\"))),0)","v":0}]
[null,null,null,"Surplus Income Against Stress",null,{"$f":"IFERROR(F56-F57,\"£0\")","v":0},null,"Maximum Loan Available",null,null,null,{"$f":"IF(' VBS Criteria'!G15=\"Capital & Interest\",' VBS Criteria'!J19,IF(' VBS Criteria'!G15=\"Interest Only\",' VBS Criteria'!J28,IF(' VBS Criteria'!G15=\"Part & Part\",' VBS Criteria'!J44,\"\")))","v":""}]
[]
[null,null,null,"Mortgage Payment - Product Rate",null,{"$f":"IFERROR(IF(AND(' VBS Criteria'!G22=\"No\",' VBS Criteria'!G23=\"No\"),' VBS Criteria'!J47,IF(' VBS Criteria'!G22=\"Yes\",' VBS Criteria'!J48,IF(' VBS Criteria'!G23=\"Yes\",' VBS Criteria'!J49,\"\"))),0)","v":0},null,"Loan as % of Max Affordable Loan",null,null,null,{"$f":"IFERROR(IF(L58<J66,L58,J66)/L52,\"\")","v":""}]
[null,null,null,"Surplus Income Against Product Rate",null,{"$f":"IFERROR(F56-F60,\"£0\")","v":0}]
[null,null,null,"PEL Trigger",null,{"$f":"IF(F27=\"\",\"\",IFERROR(' VBS Criteria'!G63,\"\"))","v":""}]
[]
[null,null,"Affordability Outcome (Subject to Underwriting)"]
[null,null,null,null,null,null,null,"Max Loan",null,"Loan Requested",null,"Decision"]
[null,null,"Maximum Capital & Interest loan based on data input (£)",null,null,null,null,{"$f":"' VBS Criteria'!J19","v":0},null,{"$f":"' VBS Criteria'!G11","v":0},null,{"$f":"IF(J66=0,\"\",IFERROR(IF(J66>=H66*1.3,\"Fail\",IF(J66>=H66*1.1,\"Max Loan Only - refer to Intermediary Team\",IF(J66>=H66*0.95,\"Refer to Intermediary Team\",\"Pass\"))),\"\"))","v":""}]
[]
[null,null,"Maximum Interest Only loan based on data input (£)",null,null,null,null,{"$f":"' VBS Criteria'!J28","v":0},null,{"$f":"' VBS Criteria'!G11","v":0},null,{"$f":"IF(J68=0,\"\",IFERROR(IF(J68>=H68*1.3,\"Fail\",IF(J68>=H68*1.1,\"Max Loan Only - refer to Intermediary Team\",IF(J68>=H68*0.95,\"Refer to Intermediary Team\",\"Pass\"))),\"\"))","v":""}]
[]
[null,null,"Maximum Part and Part loan based on data input (£)",null,null,null,null,{"$f":"' VBS Criteria'!J44","v":0},null,{"$f":"' VBS Criteria'!G11","v":0},null,{"$f":"IF(J70=0,\"\",IFERROR(IF(J70>=H70*1.3,\"Fail\",IF(J70>=H70*1.1,\"Max Loan Only - refer to Intermediary Team\",IF(J70>=H70*0.95,\"Refer to Intermediary Team\",\"Pass\"))),\"\"))","v":""}]
[]
[]
[null,null,null,null,null,"Mandate Level - Loan",null,{"$f":"IF(AND(F12<=375000),\"1\",IF(AND(F12<=550000),\"2\",IF(AND(F12<=1000000),\"3\",)))","v":"1"}]
[null,null,null,"\nIncome multiple based on mortgage required (for info)",null,null,null,{"$f":"IF(F10=\"Part & Part\",SUM((F14+K14)/(F29+H29+J29+L29)),SUM(F12/(F29+H29+J29+L29)))","v":{"$error":"#DIV/0!"}},null,{"$f":"IFERROR(IF(OR(AND(F22=1,H74>5),AND(F22>1,H74>4.75)),\"High income multiple\",\"\"),\"\")","v":""},null,null,null,{"$f":"CONCATENATE(\"Stress Rate Used - \",' VBS Criteria'!B43)","v":"Stress Rate Used - 1.75"},"%"]
[null,null,null,null,null,"Mandate Level - Income Multiple",null,{"$f":"IF(AND(F20=1,H74<=5),\"1\",IF(AND(F20=2,H74<=4.75),\"1\",IF(AND(F20=1,H74<=5.5),\"2\",IF(AND(F20=2,H74<=5),\"2\",IF(AND(F20=1,H74>5.5),\"3\",IF(AND(F20=2,H74>5),\"3\",\"\"))))))","v":{"$error":"#DIV/0!"}},null,null,null,"Mandate Level ",null,{"$f":"IFERROR(TEXT(MAX(VALUE(H73), VALUE(H75)),\"0\"),\"1\")","v":"1"}]
[null,null,null,"Capital & Interest"]
[null,null,null,"requested loan as % of max affordable C&I loan ",null,null,null,{"$f":"IFERROR(ROUNDUP(' VBS Criteria'!G11/' VBS Criteria'!J11*100,1),\"\")","v":""},"%"]
[null,null,null,"Surplus income after stressed C&I mortgage repayment(£) and (%)",null,null,null,{"$f":"IFERROR(' VBS Criteria'!G28-' VBS Criteria'!J16,\"\")","v":""},null,{"$f":"IFERROR((' VBS Criteria'!$G$28-' VBS Criteria'!$J$16)/' VBS Criteria'!$G$21,\"\")","v":""}]
[]
[null,null,null,"Interest Only"]
[null,null,null,"requested loan as % of max affordable I/O loan ",null,null,null,{"$f":"IFERROR(ROUNDUP(' VBS Criteria'!G11/(' VBS Criteria'!J22)*100,1),\"\")","v":""},"%"]
[null,null,null,"Surplus income after stressed I/O mortgage repayment(£) and (%)",null,null,null,{"$f":"' VBS Criteria'!G28-' VBS Criteria'!J26","v":0},null,{"$f":"IFERROR((' VBS Criteria'!$G$28-' VBS Criteria'!$J$26)/' VBS Criteria'!$G$21,\"\")","v":""}]
[]
[null,null,null,"Part & Part"]
[null,null,null,"requested loan as % of max affordable I/O loan ",null,null,null,{"$f":"IFERROR(ROUNDUP(' VBS Criteria'!G11/(' VBS Criteria'!J24)*100,1),\"\")","v":""},"%"]
[null,null,null,"Surplus income after stressed I/O mortgage repayment(£) and (%)",null,null,null,{"$f":"' VBS Criteria'!G28-' VBS Criteria'!J36","v":{"$error":"#NUM!"}},null,{"$f":"IFERROR((' VBS Criteria'!$G$28-' VBS Criteria'!J36)/' VBS Criteria'!$G$21,\"\")","v":""}]
[]
[null,null,"Documentary evidence level -",null,null,{"$f":"IFERROR(' VBS Criteria'!G42,\"\")","v":""},null,"refer to guidance notes for details of evidence requirements "]
[]
[]
[]
[]
[]
[null,null,"Level","Income evidence requirements",null,null,null,null,null,null,null,null,null,null,"Additional evidence requirements"]
[null,null,null,"Employed",null,null,null,null,"Self-employed",null,null,null,"Retired"]
[null,null,1,"1 month* (or 1 months worth where pay frequency is less than monthly) recent payslip which must show a YTD figure including more than 4 months salary, where this is not possible an additional payslip meeting this requirement or P60",null,null,null,null,"Latest 2 years Tax calculation summaries supported by the HMRC Tax year overviews and latest years accounts.",null,null,null,"Pension statement or 1 month pension advice slip (dated within the last 3months) Where >3 months old an additional Bank Statement showing pension credit",null,"None"]
[null,null,2,"2 months* (or 2 months worth where pay frequency is less than monthly) recent payslip which must show a YTD figure including more than 4 months salary, where this is not possible an additional payslip meeting this requirement or P60"]
[null,null,3,"3 months* (or 3 months worth where pay frequency is less than monthly) recent payslip which must show a YTD figure including more than 4 months salary, where this is not possible an additional payslip meeting this requirement or P60",null,null,null,null,null,null,null,null,"Pension Statement dated within the last 3 months & P60,  Where statement >3 months main Bank Statements must show pension credit ",null,"1 months personal main bank statement"]
[null,null,4,null,null,null,null,null,"Above plus 3 months business bank statements",null,null,null,null,null,"3 months personal main bank statements"]
[null,null,"*Note - Where Basic Salary fluctuates each month or additional income (e.g. Bonuses / Overtime/ Allowances) is used additional evidence may be requested e.g. P60."]

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[9,null,null,null,null,null,null,null,null,null,null,null,null,null,"=80>90",2.5,2.5,12.5,30,62.5]
[10,null,null,null,null,null,null,null,null,null,null,null,null,null,"=60>80",2,2,10,24,50]
[11,null,null,null,null,null,null,null,null,null,null,null,null,null,"<60",1,{"$f":"Q$13*$P12","v":1},{"$f":"R$13*$P12","v":5},{"$f":"S$13*$P12","v":12},{"$f":"T$13*$P12","v":25}]
[12,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,5,12,25]
[13,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"<75","75>=90","90>=95","95>=100"," % of max affordability used"]
[14]
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[16,null,null,null,null,null,null,null,null,null,null,null,null,null,0,1,0,1,"Pass","Refer to Underwriter"]
[17,null,null,null,null,null,null,null,null,null,null,null,null,null,60,2,75,5,"Pass","Refer to Underwriter"]
[18,null,null,null,null,null,null,null,null,null,null,null,null,null,80,2.5,90,12,"Pass","Fail"]
[19,null,null,null,null,null,null,null,null,null,null,null,null,null,90,3,95,25,"Marginal Pass","Fail"]
[20,null,null,null,null,null,null,null,null,null,null,null,null,null,100,null,100.01,1000,"Fail","Fail"]
[21]
[22,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total of Affordability x LTV "]
[23,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"level"]
[24,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,"Level 1"]
[25,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,"Level 2"]
[26,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,"Level 3"]
[27,null,null,null,null,null,null,null,null,null,null,null,null,null,null,24,"Level 4"]
[28]
[29]
[30]
[31]
[32,null,null,null,null,null,null,null,null,null,null,null,null,null,"test"]
[33,null,null,null,null,null,null,null,null,null,null,null,null,null,"LTV",59,{"$f":"VLOOKUP(P34,O17:P21,2,TRUE)","v":1}]
[34,null,null,null,null,null,null,null,null,null,null,null,null,null,"Affordability",74.5,{"$f":"VLOOKUP(P35,Q17:S21,2,TRUE)","v":1},{"$f":"VLOOKUP(P35,Q17:S21,3,TRUE)","v":"Pass"}]
[35,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Q34*Q35","v":1},{"$f":"VLOOKUP(Q36,P25:Q28,2,TRUE)","v":"Level 1"}]
[36]
[37]
[38]
[39]
[40]

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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,1,null,1]
[null,"Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.8,0.75,null,2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.5,0.5,null,3]
[null,"Applicant 1",null,null,null,null,null,null,null,"Applicant 2"]
[null,"Employed (Monthly)",null,1,2,"3 (latest)","Weighting","Amount Used",null,"Employed (Monthly)",null,{"$f":"D5","v":1},{"$f":"E5","v":2},{"$f":"F5","v":"3 (latest)"},"Weighting","Amount Used"]
[null,"Basic Pay","Gross Monthly Basic",null,null,null,1,{"$f":"IFERROR((SUM(D6:F6)/COUNTA(D6:F6))*G6,0)","v":0},null,"Basic Pay","Gross Monthly Basic",null,null,null,1,{"$f":"IFERROR((SUM(L6:N6)/COUNTA(L6:N6))*O6,0)","v":0}]
[null,null,"Net Monthly Basic",null,null,null,1,{"$f":"IFERROR((SUM(D7:F7)/COUNTA(D7:F7))*G7,0)","v":0},null,null,"Net Monthly Basic",null,null,null,1,{"$f":"IFERROR((SUM(L7:N7)/COUNTA(L7:N7))*O7,0)","v":0}]
[null,"Overtime","Gross Overtime",null,null,null,0.5,{"$f":"IFERROR((SUM(D8:F8)/COUNTA(D8:F8))*G8,0)","v":0},null,"Overtime","Gross Overtime",null,null,null,0.5,{"$f":"IFERROR((SUM(L8:N8)/COUNTA(L8:N8))*O8,0)","v":0}]
[null,null,"Net Monthly O/T",null,null,null,0.5,0,null,null,"Net Monthly O/T",null,null,null,0.5,0]
[null,"Self-Employed (Annual)",null,1,2,"3 (latest)","AVG","Amount Used",null,"Self-Employed (Annual)",null,1,2,{"$f":"F10","v":"3 (latest)"},"AVG","Amount Used"]
[null,"Net Profit","Gross Net Profit",null,null,null,2,{"$f":"IF(F11=\"\",0,IF(G11=1,F11,IF(G11=2,AVERAGE(E11:F11),IF(G11=3,AVERAGE(D11:F11),\"\"))))","v":0},null,"Net Profit","Gross Net Profit",null,null,null,2,{"$f":"IF(N11=\"\",0,IF(O11=1,N11,IF(O11=2,AVERAGE(M11:N11),IF(O11=3,AVERAGE(L11:N11),\"\"))))","v":0}]
[null,null,"Net Profit After Tax",null,null,null,2,{"$f":"IF(F12=\"\",0,IF(G12=1,F12,IF(G12=2,AVERAGE(E12:F12),IF(G12=3,AVERAGE(D12:F12),\"0\"))))","v":0},null,null,"Net Profit After Tax",null,null,null,2,{"$f":"IF(N12=\"\",0,IF(O12=1,N12,IF(O12=2,AVERAGE(M12:N12),IF(O12=3,AVERAGE(L12:N12),\"0\"))))","v":0}]
[null,"Salary","Gross Salary",null,null,null,2,{"$f":"IF(F13=\"\",0,IF(G13=1,F13,IF(G13=2,AVERAGE(E13:F13),IF(G13=3,AVERAGE(D13:F13),\"\"))))","v":0},null,"Salary","Gross Salary",null,null,null,2,{"$f":"IF(N13=\"\",0,IF(O13=1,N13,IF(O13=2,AVERAGE(M13:N13),IF(O13=3,AVERAGE(L13:N13),\"\"))))","v":0}]
[null,null,"Net Salary",null,null,null,2,{"$f":"IF(F14=\"\",0,IF(G14=1,F14,IF(G14=2,AVERAGE(E14:F14),IF(G14=3,AVERAGE(D14:F14),\"\"))))","v":0},null,null,"Net Salary",null,null,null,2,{"$f":"IF(N14=\"\",0,IF(O14=1,N14,IF(O14=2,AVERAGE(M14:N14),IF(O14=3,AVERAGE(L14:N14),\"\"))))","v":0}]
[null,"Dividends","Gross Dividends",null,null,null,2,{"$f":"IF(F15=\"\",0,IF(G15=1,F15,IF(G15=2,AVERAGE(E15:F15),IF(G15=3,AVERAGE(D15:F15),\"\"))))","v":0},null,"Dividends","Gross Dividends",null,null,null,2,{"$f":"IF(N15=\"\",0,IF(O15=1,N15,IF(O15=2,AVERAGE(M15:N15),IF(O15=3,AVERAGE(L15:N15),\"\"))))","v":0}]
[null,null,"Net Dividends",null,null,null,2,{"$f":"IF(F16=\"\",0,IF(G16=1,F16,IF(G16=2,AVERAGE(E16:F16),IF(G16=3,AVERAGE(D16:F16),\"\"))))","v":0},null,null,"Net Dividends",null,null,null,2,{"$f":"IF(N16=\"\",0,IF(O16=1,N16,IF(O16=2,AVERAGE(M16:N16),IF(O16=3,AVERAGE(L16:N16),\"\"))))","v":0}]
[null,"Rental Income","Gross Land and Property",null,null,null,0.5,{"$f":"IF(ISERROR(SUM(D17:F17)/COUNTA(D17:F17)),0,SUM(D17:F17)/COUNTA(D17:F17)*G17)","v":0},null,"Rental Income","Gross Land and Property",null,null,null,0.5,{"$f":"IF(ISERROR(SUM(L17:N17)/COUNTA(L17:N17)),0,SUM(L17:N17)/COUNTA(L17:N17)*O17)","v":0}]
[null,null,"Net Land and Property",null,null,null,0.5,{"$f":"IF(ISERROR(SUM(D18:F18)/COUNTA(D18:F18)),0,SUM((D18:F18)/COUNTA(D18:F18))*G18)","v":0},null,null,"Net Land and Property",null,null,null,0.5,{"$f":"IF(ISERROR(SUM(L18:N18)/COUNTA(L18:N18)),0,SUM((L18:N18)/COUNTA(L18:N18))*O18)","v":0}]
[null,"Retired (Monthly)",null,1,2,"3 (latest)","Weighting","Amount Used",null,"Retired (Monthly)",null,{"$f":"D19","v":1},{"$f":"E19","v":2},{"$f":"F19","v":"3 (latest)"},"Weighting","Amount Used"]
[null,"State","State Pension",null,null,null,1,{"$f":"IF(ISERROR(SUM(D20:F20)/COUNTA(D20:F20)),0,SUM(D20:F20)/COUNTA(D20:F20)*G20)","v":0},null,"State","State Pension",null,null,null,1,{"$f":"IF(ISERROR(SUM(L20:N20)/COUNTA(L20:N20)),0,SUM(L20:N20)/COUNTA(L20:N20)*O20)","v":0}]
[null,"Private Pension 1","PP1 Gross",null,null,null,1,{"$f":"IF(ISERROR(SUM(D21:F21)/COUNTA(D21:F21)),0,SUM(D21:F21)/COUNTA(D21:F21)*G21)","v":0},null,"Private Pension 1","PP1 Gross",null,null,null,1,0]
[null,null,"PP 1 Net",null,null,null,1,{"$f":"IF(ISERROR(SUM(D22:F22)/COUNTA(D22:F22)),0,SUM(D22:F22)/COUNTA(D22:F22)*G22)","v":0},null,null,"PP 1 Net",null,null,null,1,0]
[null,"Private Pension 2","PP 2 Gross",null,null,null,1,{"$f":"IF(ISERROR(SUM(D23:F23)/COUNTA(D23:F23)),0,SUM(D23:F23)/COUNTA(D23:F23)*G23)","v":0},null,"Private Pension 2","PP 2 Gross",null,null,null,1,0]
[null,null,"PP 2 Net",null,null,null,1,{"$f":"IF(ISERROR(SUM(D24:F24)/COUNTA(D24:F24)),0,SUM(D24:F24)/COUNTA(D24:F24)*G24)","v":0},null,null,"PP 2 Net",null,null,null,1,0]
[null,"Private Pension 3","PP 3 Gross",null,null,null,1,0,null,"Private Pension 3","PP 3 Gross",null,null,null,1,0]
[null,null,"PP 4 Net",null,null,null,1,0,null,null,"PP 4 Net",null,null,null,1,0]
[null,"Benefits/Maintenance (Monthly)",null,1,2,{"$f":"F5","v":"3 (latest)"},"Weighting","Amount Used",null,"Benefits/Maintenance (Monthly)",null,{"$f":"D27","v":1},{"$f":"E27","v":2},{"$f":"F27","v":"3 (latest)"},"Weighting","Amount Used"]
[null,"Item 1",null,null,null,null,1,{"$f":"IF(ISERROR(SUM(D28:F28)/COUNTA(D28:F28)),0,SUM(D28:F28)/COUNTA(D28:F28)*G28)","v":0},null,"Item 1",null,null,null,null,1,{"$f":"IF(ISERROR(SUM(L28:N28)/COUNTA(L28:N28)),0,SUM(L28:N28)/COUNTA(L28:N28)*O28)","v":0}]
[null,"Item 2",null,null,null,null,1,{"$f":"IF(ISERROR(SUM(D29:F29)/COUNTA(D29:F29)),0,SUM(D29:F29)/COUNTA(D29:F29)*G29)","v":0},null,"Item 2",null,null,null,null,1,{"$f":"IF(ISERROR(SUM(L29:N29)/COUNTA(L29:N29)),0,SUM(L29:N29)/COUNTA(L29:N29)*O29)","v":0}]
[null,"Total Annual Gross Pay - Applicant 1",null,null,null,null,null,{"$f":"SUM((H6*12),(H8*12),H11,H13,H15,H17,(H20*12),(H21*12),(H23*12),(H25*12),(H28*12),(H29*12))","v":0},null,"Total Annual Gross Pay - Applicant 2",null,null,null,null,null,{"$f":"SUM((P6*12),(P8*12),P11,P13,P15,P17,(P20*12),(P21*12),(P23*12),(P25*12),(P28*12),(P29*12))","v":0}]
[null,"Total Annual Net Pay - Applicant 1",null,null,null,null,null,{"$f":"SUM((H7*12),(H9*12),H12,H14,H16,H18,(H20*12),(H22*12),(H24*12),(H26*12),(H28*12),(H29*12))","v":0},null,"Total Annual Net Pay - Applicant 2",null,null,null,null,null,{"$f":"SUM((P7*12),(P9*12),P12,P14,P16,P18,(P20*12),(P22*12),(P24*12),(P26*12),(P28*12),(P29*12))","v":0}]
[]
[null,"Year to data pay calculation",null,"Year to Date Pay",null,"Period","Average Pay",null,null,"Year to data pay calculation",null,"Year to Date Pay",null,"Period","Average Pay"]
[null,null,null,null,null,null,{"$f":"IF(D34=\"\",\"\",D34/F34)","v":""},null,null,null,null,null,null,null,{"$f":"IF(L34=\"\",\"\",L34/N34)","v":""}]
[]
[null,"Applicant 3",null,null,null,null,null,null,null,"Applicant 4"]
[null,"Employed (Monthly)",null,1,2,"3 (latest)","Weighting","Amount Used",null,"Employed (Monthly)",null,1,2,"3 (latest)","Weighting","Amount Used"]
[null,"Basic Pay","Gross Monthly Basic",null,null,null,1,{"$f":"IF(ISERROR(AVERAGE(D38:F38)),0,AVERAGE(D38:F38))","v":0},null,"Basic Pay","Gross Monthly Basic",null,null,null,1,{"$f":"IF(ISERROR(AVERAGE(L38:N38)),0,AVERAGE(L38:N38))","v":0}]
[null,null,"Net Monthly Basic",null,null,null,1,{"$f":"IF(ISERROR(AVERAGE(D39:F39)),0,AVERAGE(D39:F39))","v":0},null,null,"Net Monthly Basic",null,null,null,1,{"$f":"IF(ISERROR(AVERAGE(L39:N39)),0,AVERAGE(L39:N39))","v":0}]
[null,"Overtime","Gross Overtime",null,null,null,0.5,{"$f":"IF(ISERROR(AVERAGE(D40:F40)),0,AVERAGE(D40:F40))*G40","v":0},null,"Overtime","Gross Overtime",null,null,null,0.5,{"$f":"IF(ISERROR(AVERAGE(L40:N40)),0,AVERAGE(L40:N40))*O40","v":0}]
[null,null,"Net Monthly O/T",null,null,null,0.5,{"$f":"IF(ISERROR(AVERAGE(D41:F41)),0,AVERAGE(D41:F41))*G41","v":0},null,null,"Net Monthly O/T",null,null,null,0.5,{"$f":"IF(ISERROR(AVERAGE(L41:N41)),0,AVERAGE(L41:N41))*O41","v":0}]
[null,"Self-Employed (Annual)",null,1,2,"3 (latest)","AVG","Amount Used",null,"Self-Employed (Annual)",null,1,2,"3 (latest)","AVG","Amount Used"]
[null,"Net Profit","Gross Net Profit",null,null,null,2,{"$f":"IF(F43=\"\",0,IF(G43=1,F43,IF(G43=2,AVERAGE(E43:F43),IF(G43=3,AVERAGE(D43:F43),\"\"))))","v":0},null,"Net Profit","Gross Net Profit",null,null,null,2,{"$f":"IF(N43=\"\",0,IF(O43=1,N43,IF(O43=2,AVERAGE(M43:N43),IF(O43=3,AVERAGE(L43:N43),\"\"))))","v":0}]
[null,null,"Net Profit After Tax",null,null,null,2,{"$f":"IF(F44=\"\",0,IF(G44=1,F44,IF(G44=2,AVERAGE(E44:F44),IF(G44=3,AVERAGE(D44:F44),\"0\"))))","v":0},null,null,"Net Profit After Tax",null,null,null,2,{"$f":"IF(N44=\"\",0,IF(O44=1,N44,IF(O44=2,AVERAGE(M44:N44),IF(O44=3,AVERAGE(L44:N44),\"0\"))))","v":0}]
[null,"Salary","Gross Salary",null,null,null,2,{"$f":"IF(F45=\"\",0,IF(G45=1,F45,IF(G45=2,AVERAGE(E45:F45),IF(G45=3,AVERAGE(D45:F45),\"\"))))","v":0},null,"Salary","Gross Salary",null,null,null,2,{"$f":"IF(N45=\"\",0,IF(O45=1,N45,IF(O45=2,AVERAGE(M45:N45),IF(O45=3,AVERAGE(L45:N45),\"\"))))","v":0}]
[null,null,"Net Salary",null,null,null,2,{"$f":"IF(F46=\"\",0,IF(G46=1,F46,IF(G46=2,AVERAGE(E46:F46),IF(G46=3,AVERAGE(D46:F46),\"\"))))","v":0},null,null,"Net Salary",null,null,null,2,{"$f":"IF(N46=\"\",0,IF(O46=1,N46,IF(O46=2,AVERAGE(M46:N46),IF(O46=3,AVERAGE(L46:N46),\"\"))))","v":0}]
[null,"Dividends","Gross Dividends",null,null,null,2,{"$f":"IF(F47=\"\",0,IF(G47=1,F47,IF(G47=2,AVERAGE(E47:F47),IF(G47=3,AVERAGE(D47:F47),\"\"))))","v":0},null,"Dividends","Gross Dividends",null,null,null,2,{"$f":"IF(N47=\"\",0,IF(O47=1,N47,IF(O47=2,AVERAGE(M47:N47),IF(O47=3,AVERAGE(L47:N47),\"\"))))","v":0}]
[null,null,"Net Dividends",null,null,null,2,{"$f":"IF(F48=\"\",0,IF(G48=1,F48,IF(G48=2,AVERAGE(E48:F48),IF(G48=3,AVERAGE(D48:F48),\"\"))))","v":0},null,null,"Net Dividends",null,null,null,2,{"$f":"IF(N48=\"\",0,IF(O48=1,N48,IF(O48=2,AVERAGE(M48:N48),IF(O48=3,AVERAGE(L48:N48),\"\"))))","v":0}]
[null,"Rental Income","Gross Land and Property",null,null,null,0.5,{"$f":"IF(ISERROR(SUM(D49:F49)/COUNTA(D49:F49)),0,SUM(D49:F49)/COUNTA(D49:F49)*G49)","v":0},null,"Rental Income","Gross Land and Property",null,null,null,0.5,{"$f":"IF(ISERROR(SUM(L49:N49)/COUNTA(L49:N49)),0,SUM(L49:N49)/COUNTA(L49:N49)*O49)","v":0}]
[null,null,"Net Land and Property",null,null,null,0.5,{"$f":"IF(ISERROR(SUM(D50:F50)/COUNTA(D50:F50)),0,SUM((D50:F50)/COUNTA(D50:F50))*G50)","v":0},null,null,"Net Land and Property",null,null,null,0.5,{"$f":"IF(ISERROR(SUM(L50:N50)/COUNTA(L50:N50)),0,SUM((L50:N50)/COUNTA(L50:N50))*O50)","v":0}]
[null,"Retired (Monthly)",null,{"$f":"D19","v":1},{"$f":"E19","v":2},{"$f":"F19","v":"3 (latest)"},"Weighting","Amount Used",null,"Retired (Monthly)",null,1,2,"3 (latest)","Weighting","Amount Used"]
[null,"State","State Pension",null,null,null,1,{"$f":"IF(ISERROR(SUM(D52:F52)/COUNTA(D52:F52)),0,SUM(D52:F52)/COUNTA(D52:F52)*G52)","v":0},null,"State","State Pension",null,null,null,1,{"$f":"IF(ISERROR(SUM(L52:N52)/COUNTA(L52:N52)),0,SUM(L52:N52)/COUNTA(L52:N52)*O52)","v":0}]
[null,"Private Pension 1","PP1 Gross",null,null,null,1,0,null,"Private Pension 1","PP1 Gross",null,null,null,1,0]
[null,null,"PP 1 Net",null,null,null,1,0,null,null,"PP 1 Net",null,null,null,1,0]
[null,"Private Pension 2","PP 2 Gross",null,null,null,1,0,null,"Private Pension 2","PP 2 Gross",null,null,null,1,0]
[null,null,"PP 2 Net",null,null,null,1,0,null,null,"PP 2 Net",null,null,null,1,0]
[null,"Private Pension 3","PP 3 Gross",null,null,null,1,0,null,"Private Pension 3","PP 3 Gross",null,null,null,1,0]
[null,null,"PP 4 Net",null,null,null,1,0,null,null,"PP 4 Net",null,null,null,1,0]
[null,"Benefits/Maintenance (Monthly)",null,{"$f":"D27","v":1},{"$f":"E27","v":2},{"$f":"F27","v":"3 (latest)"},"Weighting","Amount Used",null,"Benefits/Maintenance (Monthly)",null,1,2,"3 (latest)","Weighting","Amount Used"]
[null,"Item 1",null,null,null,null,1,{"$f":"IF(ISERROR(SUM(D60:F60)/COUNTA(D60:F60)),0,SUM(D60:F60)/COUNTA(D60:F60)*G60)","v":0},null,"Item 1",null,null,null,null,1,{"$f":"IF(ISERROR(SUM(L60:N60)/COUNTA(L60:N60)),0,SUM(L60:N60)/COUNTA(L60:N60)*O60)","v":0}]
[null,"Item 2",null,null,null,null,1,{"$f":"IF(ISERROR(SUM(D61:F61)/COUNTA(D61:F61)),0,SUM(D61:F61)/COUNTA(D61:F61)*G61)","v":0},null,"Item 2",null,null,null,null,1,{"$f":"IF(ISERROR(SUM(L61:N61)/COUNTA(L61:N61)),0,SUM(L61:N61)/COUNTA(L61:N61)*O61)","v":0}]
[null,"Total Annual Gross Pay - Applicant 3",null,null,null,null,null,{"$f":"SUM((H38*12),(H40*12),H43,H45,H47,H49,(H52*12),(H53*12),(H55*12),(H57*12),(H60*12),(H61*12))","v":0},null,"Total Annual Gross Pay - Applicant 4",null,null,null,null,null,{"$f":"SUM((P38*12),(P40*12),P43,P45,P47,P49,(P52*12),(P53*12),(P55*12),(P57*12),(P60*12),(P61*12))","v":0}]
[null,"Total Annual Net Pay - Applicant 3",null,null,null,null,null,{"$f":"SUM((H39*12),(H41*12),H44,H46,H48,H50,(H52*12),(H54*12),(H56*12),(H58*12),(H60*12),(H61*12))","v":0},null,"Total Annual Net Pay - Applicant 4",null,null,null,null,null,{"$f":"SUM((P39*12),(P41*12),P44,P46,P48,P50,(P52*12),(P54*12),(P56*12),(P58*12),(P60*12),(P61*12))","v":0}]
[]
[null,"Year to data pay calculation",null,"Year to Date Pay",null,"Period","Average Pay",null,null,"Year to data pay calculation",null,"Year to Date Pay",null,"Period","Average Pay"]
[null,null,null,null,null,null,{"$f":"IF(D66=\"\",\"\",D66/F66)","v":""},null,null,null,null,null,null,null,{"$f":"IF(L66=\"\",\"\",L66/N66)","v":""}]

{"sheet":"3 - Debt","index":5,"n_rows":33,"n_cols":13,"rows_kept":33,"cut":false,"hidden":true,"merged":[[31,2,31,4],[32,2,32,4],[35,2,35,4],[25,2,25,5],[2,11,2,12],[27,2,27,4],[28,2,28,4],[29,2,29,4],[30,2,30,4]]}
[null,null,"Credit Commitments"]
[]
[1,null,"App No","Company","Credit Type","Balance","Payment","To Be Used","Include","Justification",null,"Total to be included"]
[2,null,null,null,null,null,null,{"$f":"IF(E4=\"Credit Card\",F4*3%,G4)","v":0},null,null,null,"App 1",{"$f":"SUMIFS(H:H,C:C,A3,I:I,\"Yes\")","v":0}]
[3,null,null,null,null,null,null,{"$f":"IF(E5=\"Credit Card\",F5*3%,G5)","v":0},null,null,null,"App 2 ",{"$f":"SUMIFS(H:H,C:C,A4,I:I,\"Yes\")","v":0}]
[4,null,null,null,null,null,null,0,null,null,null,"App 3",{"$f":"SUMIFS(H:H,C:C,A5,I:I,\"Yes\")","v":0}]
[null,null,null,null,null,null,null,0,null,null,null,"App 4",{"$f":"SUMIFS(H:H,C:C,A6,I:I,\"Yes\")","v":0}]
[null,null,null,null,null,null,null,0]
["Unsecured Loan",null,null,null,null,null,null,0,null,null,null,"Total",{"$f":"SUM(M4:M7)","v":0}]
["Hire Purchase",null,null,null,null,null,null,0]
["Credit Card",null,null,null,null,null,null,0]
["Catalogue",null,null,null,null,null,null,0]
["Short Term Credit",null,null,null,null,null,null,0]
["ICR Contingency",null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,0]
["Yes",null,null,null,null,null,null,0]
["No",null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,0]
[]
[null,null,"Stressed Mortgage Payment Calculator"]
[]
[null,null,"Mortgage Amount £"]
[null,null,"Repayment Type"]
[null,null,"Remaining Term (years)"]
[null,null,"Stressed Rate"]
[null,null,"Monthly Repayment Factor",null,null,{"$f":"-PMT(F31/100,F30,1000)/12","v":{"$error":"#NUM!"}}]
[null,null,"Stressed Payment",null,null,{"$f":"IFERROR(IF(F29=\"Interest Only\",(F28*F31/1200),(F28/1000*F32)),\"\")","v":""}]

{"sheet":"4 - Expenditure","index":6,"n_rows":26,"n_cols":16,"rows_kept":26,"cut":false,"hidden":true,"merged":[[25,1,25,8],[0,1,0,4]]}
[null,"Expenditure\nFigures input into 'Underwriter confirmed'  column used against ONS",null,null,null,null,null,null,null,null,null,null,null,null,null,"Adviser Input (Level 1 - 2)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Bank Statement Verified (Level 3 - 4)"]
[null,"Items","Application input","Month 1","Month 2","Month 3","Underwriter Confirmed","Source","ONS","Final Value","Value Used","Justification",null,null,null,"Other - Stated in rationale"]
[null,"Council Tax",null,null,null,null,null,null,0,{"$f":"G4","v":0},{"$f":"IF(H4=\"\",\"\",IFERROR(IF(J4=0,\"\",IF(J4=I4,\"ONS\",H4)),\"\"))","v":""}]
[null,"Ground Rent/Service Charge",null,null,null,null,null,null,null,{"$f":"G5","v":0},{"$f":"IF(H5=\"\",\"\",IFERROR(IF(J5=0,\"\",IF(J5=I5,\"ONS\",H5)),\"\"))","v":""}]
[null,"Utility Total",null,null,null,null,null,null,{"$f":"'1 - Main'!P38","v":""},{"$f":"MAX(G6:I6)","v":0},""]
[null,"Food/Groceries",null,null,null,null,null,null,{"$f":"'1 - Main'!P39","v":0},0,""]
[null,"Essential Travel",null,null,null,null,null,null,{"$f":"'1 - Main'!P40","v":""},0,""]
[null,"Essential Insurance",null,null,null,null,null,null,{"$f":"'1 - Main'!P41","v":""},0,""]
[null,"Telephone/ TV/ Satellite",null,null,null,null,null,null,{"$f":"'1 - Main'!P42","v":0},0,""]
[null,"Childcare",null,null,null,null,null,null,{"$f":"'1 - Main'!P43","v":0},{"$f":"G11","v":0},""]
[null,"Clothing/Footwear",null,null,null,null,null,null,{"$f":"'1 - Main'!P44","v":""},0,""]
[null,"Other",null,null,null,null,null,null,{"$f":"'1 - Main'!P46","v":""},{"$f":"'1 - Main'!Q46","v":""},{"$f":"IF(H13=\"\",\"\",IFERROR(IF(J13=0,\"\",IF(J13=I13,\"ONS\",H13)),\"\"))","v":""}]
[]
[null,"Other Items (non-specific)","Application input",{"$f":"D3","v":"Month 1"},{"$f":"E3","v":"Month 2"},{"$f":"F3","v":"Month 3"},"Underwriter Confirmed","Source","ONS","Final Value",null,"Justification"]
[null,null,null,null,null,null,null,null,null,{"$f":"G16","v":0},{"$f":"IF(J16=0,\"\",IF(J16=I16,\"ONS\",H16))","v":""}]
[null,null,null,null,null,null,null,null,null,0,""]
[null,null,null,null,null,null,null,null,null,0,""]
[null,null,null,null,null,null,null,null,null,0,""]
[null,null,null,null,null,null,null,null,null,0,""]
[null,null,null,null,null,null,null,null,null,0,""]
[null,null,null,null,null,null,null,null,null,0,""]
[null,null,null,null,null,null,null,null,null,0,""]
[null,"Total Other",null,null,null,null,null,null,0,{"$f":"SUM(J16:J23)","v":0}]
[]
[null,"Total Expenditure",null,null,null,null,null,null,null,{"$f":"SUM(J4:J13)+J24","v":0}]

{"sheet":"5 - Notes","index":7,"n_rows":18,"n_cols":14,"rows_kept":18,"cut":false,"hidden":true,"merged":[[0,0,0,6]]}
["BTL in Background"]
[]
[null,"Total Mortgage Debt £","Stressed interest rate","Total Annual Rental Income","Stressed Mortgage payment (D)","Surplus (shortfall) C-D","ICR"]
["1. Single Residential Units (personal basic rate tax payer or Ltd Co)",null,null,null,{"$f":"ROUND(+B4*C4,0)","v":0},{"$f":"D4-E4","v":0},{"$f":"IFERROR(D4/E4,\"\")","v":""},null,"1. Stressed payment total",{"$f":"E4","v":0},"2. Stressed payment total",{"$f":"E5","v":0},"3. Stressed payment total",{"$f":"E6","v":0}]
["2. Single Residential Units (personal higher rate tax payer)",null,null,null,0,0,"",null,"125% of stressed payment",{"$f":"J4*1.25","v":0},"140% of stressed payment",{"$f":"L4*1.4","v":0},"145% of stressed payment",{"$f":"N4*1.45","v":0}]
["3. Holiday Let (personal basic rate tax payer or Ltd Co)",null,null,null,{"$f":"ROUND(+B6*C6,0)","v":0},{"$f":"D6-E6","v":0},{"$f":"IFERROR(D6/E6,\"\")","v":""},null,"Rent",{"$f":"D4","v":0},"Rent",{"$f":"D5","v":0},"Rent",{"$f":"D6","v":0}]
["4. Holiday Let (Higher Rate Tax payer)",null,null,null,0,null,"",null,"Surplus/Shortfall PA",{"$f":"J6-J5","v":0},"Surplus/Shortfall PA",{"$f":"L6-L5","v":0},"Surplus/Shortfall PA",{"$f":"N6-N5","v":0}]
["5. HMOs (personal basic rate tax payer or Ltd Co)",null,null,null,{"$f":"ROUND(+B8*C8,0)","v":0},{"$f":"D8-E8","v":0},{"$f":"IFERROR(D8/E8,\"\")","v":""},null,"Surplus/Shortfall PCM",{"$f":"J7/12","v":0},"Surplus/Shortfall PCM",{"$f":"L7/12","v":0},"Surplus/Shortfall PCM",{"$f":"N7/12","v":0}]
["6. HMOs (higher rate tax payer)",null,null,null,{"$f":"ROUND(+B9*C9,0)","v":0},{"$f":"D9-E9","v":0},{"$f":"IFERROR(D9/E9,\"\")","v":""}]
[null,null,null,null,0,0,"",null,"4. Stressed payment total",{"$f":"E7","v":0},"4. Stressed payment total",{"$f":"E8","v":0},"5. Stressed payment total",{"$f":"E9","v":0}]
[null,null,null,null,0,0,"",null,"160% of stressed payment",{"$f":"J10*1.6","v":0},"150% of stressed payment",{"$f":"L10*1.5","v":0},"165% of stressed payment",{"$f":"N10*1.65","v":0}]
[null,null,null,null,0,0,"",null,"Rent",{"$f":"D7","v":0},"Rent",{"$f":"D8","v":0},"Rent",{"$f":"D9","v":0}]
[null,null,null,null,0,0,"",null,"Surplus/Shortfall PA",{"$f":"J12-J11","v":0},"Surplus/Shortfall PA",{"$f":"L12-L11","v":0},"Surplus/Shortfall PA",{"$f":"N12-N11","v":0}]
[null,null,null,null,0,0,"",null,"Surplus/Shortfall PCM",{"$f":"J13/12","v":0},"Surplus/Shortfall PCM",{"$f":"L13/12","v":0},"Surplus/Shortfall PCM",{"$f":"N13/12","v":0}]
[]
["Total",{"$f":"SUM(B4:B14)","v":0},{"$f":"IFERROR(AVERAGEIF(B4:B14,\">0\",C4:C14),0)","v":0},{"$f":"SUM(D4:D14)","v":0},{"$f":"SUM(E4:E14)","v":0},{"$f":"SUM(F4:F14)","v":0},{"$f":"IFERROR(D16/E16,\"\")","v":""},null,null,null,"Total Suplus/Shortfall PCM",{"$f":"SUM(J8+L8+N8+J14+L14+N14)","v":0}]
[]
["Notes"]

{"sheet":" VBS Criteria","index":8,"n_rows":63,"n_cols":16,"rows_kept":63,"cut":false,"hidden":true,"merged":[[4,3,5,13],[8,14,8,15]]}
["VBS criteria set in model",null,null,null,"list","Broker"]
[null,null,null,null,null,"Direct"]
[]
["Minimum excess income required",0.05]
["Rate payable based on SVR",7.7,"%"]
["Amount stressed (additional margin applied)",1,"%"]
["Non Standard income % used ",0.5]
["Income Multiple cap for max loan amount -  standard ",4.75]
["Income Multiple cap for max loan amount -  upper limit",5,null,null,null,"Affordability Breakdown (1 - Main)",null,null,"Max Loan Calculation",null,null,"Broker Affordability (Broker)",null,null,"ONS Figures Used"]
["Minimum loan amount",25000]
["Passwords",null,null,null,null,"Loan Amount",{"$f":"IF(G15='Drop down'!C4,SUM('1 - Main'!F14,'1 - Main'!K14:L14),'1 - Main'!F12)","v":0},null,"Max Capital & Interest loan -Highest of Own and ONS",{"$f":"(ROUNDUP(IF(G28>0,G28/G35*1000,0),0))","v":0},null,"Loan Amount",{"$f":"IF(Broker!F17=\"Part & Part\",Broker!F21+Broker!J21,Broker!F19)","v":0},null,"Home Fuel & Utility Bills",{"$f":"IFERROR(HLOOKUP(M19,'ONS Update'!$C$5:$J$17,5,FALSE),\"\")","v":""}]
["Tabs 1 - 5","Vern0n",null,null,null,"Property Value",{"$f":"'1 - Main'!F16","v":0},null,"90% of Max Capital & Interest loan / 85% Five Year Product",{"$f":"IF(B32<>\"Standard\",J11*85%,J11*90%)","v":0},null,"Property Value",{"$f":"Broker!F23","v":0},null,"Food, groceries, toiletries and cleaning products",{"$f":"IFERROR(HLOOKUP(M19,'ONS Update'!$C$5:$J$17,2,FALSE) + HLOOKUP(M19,'ONS Update'!$C$5:$J$17,3,FALSE) + HLOOKUP(M19,'ONS Update'!$C$5:$J$17,6,FALSE) + (HLOOKUP(M19,'ONS Update'!$C$5:$J$17,13,FALSE)*30%),\"\")","v":""}]
["Mort repay","repay",null,"Payments",12,"Term",{"$f":"'1 - Main'!F18","v":0},null,"95% of Max Capital & Interest loan - higher of own and ONS",{"$f":"J11*0.95","v":0},null,"Term",{"$f":"Broker!F25","v":0},null,"Essential Travel Costs (exclude car insurance)",{"$f":"IFERROR(HLOOKUP(M19,'ONS Update'!$C$5:$J$17,8,FALSE),\"\")","v":""}]
["dropdown ","DD",null,null,null,"LTV",{"$f":"'1 - Main'!H16","v":""},null,"Max 'capped' loan standard 4.75x",{"$f":"G20*B8","v":0},null,"LTV",{"$f":"IFERROR((M11/M12)*100,0)","v":0},null,"Essential Insurances (include car insurance if applicable)",{"$f":"IFERROR(HLOOKUP(M19,'ONS Update'!$C$5:$J$17,13,FALSE)*70%,\"\")","v":""}]
["version control","control",null,null,null,"Repayment Method",{"$f":"'1 - Main'!F10","v":0},null,"Max 'capped' loan upper limit",{"$f":"G20*B9","v":0},null,"Repayment Method",{"$f":"Broker!F17","v":0},null,"Telephones / Internet / TV and Satellite costs",{"$f":"IFERROR(HLOOKUP(M19,'ONS Update'!$C$5:$J$17,9,FALSE) + HLOOKUP(M19,'ONS Update'!$C$5:$J$17,10,FALSE), \"\")","v":""}]
["UW Detail input (calc)","uwinput",null,null,null,"Applicants",{"$f":"'1 - Main'!F20","v":0},null,"Monthly Repayment Capital Repayment",{"$f":"PMT((G33/100)/E13,G13*E13,-G11)","v":{"$error":"#NUM!"}},null,"Applicants",{"$f":"Broker!D13","v":0},null,"Clothing and Footwear",{"$f":"IFERROR(HLOOKUP(M19,'ONS Update'!$C$5:$J$17,4,FALSE),\"\")","v":""}]
["input calculation  assist","assist",null,null,null,"Number of Adults",{"$f":"IFERROR(VLOOKUP('1 - Main'!F22,'Drop down'!$G$2:$H$3,2,FALSE),\"0\")","v":"0"},null,"C&I Lower of max affordable loan or standard LTI",{"$f":"IF(J11<=J14,J11,J14)","v":0},null,"Number of Adults",{"$f":"VLOOKUP(Broker!$H$13,'Drop down'!$G$2:$H$3,2,FALSE)","v":{"$error":"#N/A"}},null,"Higher of ONS Miscellaneous Expenditure or 5% of Income",{"$f":"MAX(MIN(M22*5%,185), HLOOKUP(M19,'ONS Update'!$C$5:$J$17,4,FALSE) + HLOOKUP(M19,'ONS Update'!$C$5:$J$17,6,FALSE) + HLOOKUP(M19,'ONS Update'!$C$5:$J$17,12,FALSE))","v":{"$error":"#N/A"}}]
["VBS Criteria","criteria",null,null,null,"Number of Dependent Children",{"$f":"VLOOKUP('1 - Main'!F24,'Drop down'!E2:F5,2,FALSE)","v":0},null,"C&I Lower of 90% of affordable loan or upper LTI",{"$f":"IF(J12<J15,J12,J15)","v":0},null,"Number of Dependent Children",{"$f":"VLOOKUP(Broker!$L$13,'Drop down'!$E$2:$F$5,2,FALSE)","v":0}]
["ONS","ONS",null,null,null,"Adult + Children Score",{"$f":"SUM(G17:G18)","v":0},null,"C&I Max loan offered",{"$f":"J11","v":0},null,"Adult + Children Score",{"$f":"SUM(M17:M18)","v":{"$error":"#N/A"}},null,"Max Loan Calculation"]
["ONS table A23","A23",null,null,null,"Gross Income",{"$f":"SUM('1 - Main'!F29:L29)","v":0}]
["ONS breakdown A1","A1",null,null,null,"Total Net Monthly Income",{"$f":"SUM('1 - Main'!F31:L31)","v":0},null,"Interest-Only Max Calculation",null,null,"Gross Income",{"$f":"SUM(Broker!F29,Broker!L29,Broker!F36,Broker!L36)","v":0},null,"Max Capital & Interest loan -Highest of Own and ONS",{"$f":"ROUNDUP(IF(M29>0,M29/M34*1000,0),0)","v":{"$error":"#N/A"}}]
["Broker","Vern0n",null,null,null,"Interest-Only",{"$f":"IF(ISNUMBER(SEARCH(\"Only\",G15)),\"Yes\",\"No\")","v":"No"},null,"Max interest only loan -Highest of own and ONS",{"$f":"ROUNDUP(IF(G28>0,+(G28*12)/(G33/100),0),0)","v":0},null,"Usable Net Income",{"$f":"SUM(Broker!F35,Broker!L35,Broker!F42,Broker!L42)","v":0},null,"90% of Max Capital & Interest loan - higher of own and ONS",{"$f":"IF(C32<>\"Standard\",P21*85%,P21*90%)","v":{"$error":"#N/A"}}]
[null,null,null,null,null,"Part & Part",{"$f":"IF(ISNUMBER(SEARCH(\"Part\",G15)),\"Yes\",\"No\")","v":"No"},null,"90% of Max int only loan / 85% ",{"$f":"IF(B32<>\"Standard\",J22*85%,J22*90%)","v":0},null,null,null,null,"Max 'capped' loan standard 4.75x",{"$f":"M21*4.75","v":0}]
[null,null,null,null,null,"Unsecured Credit Commitments",{"$f":"SUM('1 - Main'!F33:L33)","v":0},null,"95% of Max int only loan - higher of own and ONS",{"$f":"J22*0.95","v":0},null,"ONS Total",{"$f":"SUM(P11:P17)","v":{"$error":"#N/A"}},null,"Max 'capped' loan upper limit",{"$f":"M21*B9","v":0}]
[null,null,null,null,null,"Essential Expenditure",{"$f":"SUM('1 - Main'!Q36:Q46)","v":0},null,"Max 'capped' loan standard 4.5x",{"$f":"J14","v":0},null,"Council tax","Included below",null,"Monthly Repayment Capital Repayment",{"$f":"PMT((M33/100)/E13,M13*E13,-M11)","v":{"$error":"#NUM!"}}]
["Stressed Rate",null,null,null,null,"Income Multiple",{"$f":"IFERROR(SUM(G11/G20),\"0\")","v":"0"},null,"Monthly Interest-only payment",{"$f":"G11/12*G33/100","v":0},null,"Declared Expenditure",{"$f":"SUM(Broker!F51,Broker!L51,Broker!F58,Broker!L58)","v":0},null,"C&I Lower of max affordable loan or standard LTI",{"$f":"IF(P21<=P23,P21,P23)","v":{"$error":"#N/A"}}]
[null,"1 - Main","Broker",null,null,"Total Expenditure",{"$f":"G24+G25","v":0},null,"I/O Lower of max affordable loan or standard LTI",{"$f":"IF(J14<=J22,J14,J22)","v":0},null,"Total Expenditure",{"$f":"SUM(M24:M26)","v":{"$error":"#N/A"}},null,"C&I Lower of 90% of affordable loan or upper LTI",{"$f":"IF(P22<P24,P22,P24)","v":{"$error":"#N/A"}}]
["Standard",0,0,null,null,"Amount Available for Mortgage Payment",{"$f":"G21-G27","v":0},null,"I/O Max loan offered",{"$f":"J22","v":0},null,null,null,null,"C&I Max loan offered",{"$f":"P21","v":{"$error":"#N/A"}}]
["Product Rate",{"$f":"'1 - Main'!F8*100","v":0},{"$f":"Broker!H11*100","v":0},null,null,null,null,null,null,null,null,"Amount Available for Mortgage Payment",{"$f":"M22-M27","v":{"$error":"#N/A"}}]
["Product Rate+2%",{"$f":"B29+1.75","v":1.75},{"$f":"C29+1.75","v":1.75},null,null,"Affordability Basis",null,null,"Part & Part Max Loan Calculation",null,null,null,null,null,"Interest-Only Max Calculation"]
["Five Year Fixed?",{"$f":"IF(ISNUMBER(SEARCH(5,'1 - Main'!F6)),\"Yes\",\"No\")","v":"No"},{"$f":"M31","v":"No"},null,null,"5 Year Product?",{"$f":"IF(ISNUMBER(SEARCH(5,'1 - Main'!F6)),\"Yes\",\"No\")","v":"No"},null,"Capital Repayment Amount",{"$f":"'1 - Main'!F14","v":200000},null,"5 Year Product?",{"$f":"IF(ISNUMBER(SEARCH(5,Broker!D11)),\"Yes\",\"No\")","v":"No"},null,"Max interest only loan -Highest of own and ONS",{"$f":"ROUNDUP(IF(M29>0,+(M29*12)/(M33/100),0),0)","v":{"$error":"#N/A"}}]
["Product Type",{"$f":"IF(ISNUMBER(SEARCH(\"Discount\",'1 - Main'!F6)),\"Discount\",IF(ISNUMBER(SEARCH(\"Fixed\",'1 - Main'!F6)),\"Fixed\",\"Standard\"))","v":"Standard"},{"$f":"M32","v":"Standard"},null,null,"Product Type",{"$f":"IF(ISNUMBER(SEARCH(\"Discount\",'1 - Main'!F6)),\"Discount\",IF(ISNUMBER(SEARCH(\"Fixed\",'1 - Main'!F6)),\"Fixed\",\"Standard\"))","v":"Standard"},null,"Interest-Only Amount",{"$f":"'1 - Main'!K14","v":0},null,"Product Type",{"$f":"IF(ISNUMBER(SEARCH(\"Discount\",Broker!D11)),\"Discount\",IF(ISNUMBER(SEARCH(\"Fixed\",Broker!D11)),\"Fixed\",\"Standard\"))","v":"Standard"},null,"90% of Max int only loan - higher of own and ONS",{"$f":"IF(C32<>\"Standard\",P31*85%,P31*90%)","v":{"$error":"#N/A"}}]
[null,null,null,null,null,"Stressed Int rate",{"$f":"' VBS Criteria'!B43","v":1.75},null,"Total Loan Amount",{"$f":"SUM(J31:J32)","v":200000},null,"Stressed Int rate",{"$f":"C43","v":1.75},null,"Max 'capped' loan standard 4.75x",{"$f":"P23","v":0}]
["Discounted Rate",null,null,null,null,"Rounded Product Rate",{"$f":"B43","v":1.75},null,"Interest-only Element Payment",{"$f":"J32/12*G33/100","v":0},null,"Monthly repay factor (stress)",{"$f":"-PMT(M33/100,M13,1000)/12","v":{"$error":"#NUM!"}},null,"Monthly Interest-only payment",{"$f":"M11/12*M33/100","v":0}]
["Cap - 5 Year Discount",4.7,{"$f":"B35","v":4.7},null,null,"Monthly repay factor (stress)",{"$f":"-PMT(G33/100,G13,1000)/12","v":{"$error":"#NUM!"}},null,"Capital * Interest Repayment",{"$f":"PMT((G33/100)/E13,G13*E13,-J31)","v":{"$error":"#NUM!"}},null,null,null,null,"I/O Lower of max affordable loan or standard LTI",{"$f":"IF(P23<=P31,P23,P31)","v":{"$error":"#N/A"}}]
["Product Rate + 1%",{"$f":"B29+1","v":1},{"$f":"C29+1","v":1},null,null,"Product repay factor",{"$f":"-PMT(G34/100,G13,1000)/12","v":{"$error":"#NUM!"}},null,"Total Part & Part Payment",{"$f":"J34+J35","v":{"$error":"#NUM!"}},null,"Documentary Evidence Calculation",null,null,"I/O Max loan offered",{"$f":"P31","v":{"$error":"#N/A"}}]
["Discount Stressed Rate",{"$f":"IF(MAX(B35:B36)>B28,B28,MAX(B35:B36))","v":0},{"$f":"IF(MAX(C35:C36)>C28,C28,MAX(C35:C36))","v":0},null,null,null,null,null,"Amount Available for P&P Element",{"$f":"G28-J34","v":0},null,"LTV",{"$f":"VLOOKUP(M14,'Drop down'!O17:P21,2,TRUE)","v":1}]
[null,null,null,null,null,"Documentary Evidence Calculation",null,null,"Max Part & Part loan -Highest of Own and ONS",{"$f":"ROUNDUP(IF(J37>0,J37/G35*1000,0),0)+J32","v":0},null,"Affordability",{"$f":"IFERROR(IF(M50=\"Capital Repayment\",(VLOOKUP(M46,'Drop down'!Q17:R21,2,TRUE)),IF(M50=\"Interest-only\",(VLOOKUP(M47,'Drop down'!Q17:R21,2,TRUE)),IF(M50=\"Part & part\",VLOOKUP(M48,'Drop down'!Q17:R21,2,TRUE)))),1000)","v":1000},null,"Part & Part Max Loan Calculation"]
["Floor - 5 Year Fixed",2.75,{"$f":"B39","v":2.75},null,null,"LTV",{"$f":"VLOOKUP(G14,'Drop down'!O17:P21,2,TRUE)","v":{"$error":"#N/A"}},null,"90% of Max P&P loan - higher of own and ONS",{"$f":"IF(B32<>\"Standard\",J38*85%,J38*90%)","v":0},null,"LTV & affordability score",{"$f":"M37*M38","v":1000},null,"Capital Repayment Amount",{"$f":"Broker!F21","v":150000}]
["Fixed Rate",{"$f":"IF(B32=\"Fixed\",B29,\"N/A\")","v":"N/A"},{"$f":"IF(C32=\"Fixed\",C29,\"N/A\")","v":"N/A"},null,null,"Affordability",{"$f":"IFERROR(IF(G15=\"Capital & Interest\",(VLOOKUP('1 - Main'!J78,'Drop down'!Q17:R21,2,TRUE)),IF(G15=\"Interest only\",(VLOOKUP('1 - Main'!J82,'Drop down'!Q17:R21,2,TRUE)),IF(' VBS Criteria'!G15=\"Part & part\",VLOOKUP('1 - Main'!J86,'Drop down'!Q17:R21,2,TRUE)))),1000)","v":false},null,"Max 'capped' loan standard 4.5x",{"$f":"J14","v":0},null,"Level",{"$f":"VLOOKUP(M39,'Drop down'!P25:Q28,2,TRUE)","v":"Level 4"},null,"Interest-Only Amount",{"$f":"Broker!J21","v":0}]
["Fixed Stressed Rate",{"$f":"MAX(B39:B40)","v":2.75},{"$f":"MAX(C39:C40)","v":2.75},null,null,"LTV & affordability score",{"$f":"G39*G40","v":{"$error":"#N/A"}},null,"Max 'capped' loan upper limit",{"$f":"J15","v":0},null,null,null,null,"Total Loan Amount",{"$f":"SUM(P39:P40)","v":150000}]
[null,null,null,null,null,"Level",{"$f":"VLOOKUP(G41,'Drop down'!P25:Q28,2,TRUE)","v":{"$error":"#N/A"}},null,"P&P Lower of max affordable loan or standard LTI",{"$f":"IF(J38<=J40,J38,J40)","v":0},null,"Surplus Income on C&I",{"$f":"M29-P25","v":{"$error":"#N/A"}},null,"Interest-only Element Payment",{"$f":"P40/12*M33/100","v":0}]
["Stressed Rate to be used",{"$f":"IF(B31<>\"Yes\", B30, IF(B32=\"Fixed\", B41, \"\"))","v":1.75},{"$f":"IF(C31<>\"Yes\", C30, IF(C32=\"Fixed\", C41, \"\"))","v":1.75},null,null,null,null,null,"P&P Lower of 90% of affordable loan or upper LTI",{"$f":"IF(J39<J41,J39,J41)","v":0},null,"Surplus Income on I/O",{"$f":"M29-P34","v":{"$error":"#N/A"}},null,"Capital * Interest Repayment",{"$f":"PMT((M33/100)/E13,M13*E13,-P39)","v":{"$error":"#NUM!"}}]
[null,null,null,null,null,"PEL Calculation",null,null,"P&P Max loan offered",{"$f":"J38","v":0},null,"Surplus Income on P&P",{"$f":"M29-P44","v":{"$error":"#N/A"}},null,"Total Part & Part Payment",{"$f":"P42+P43","v":{"$error":"#NUM!"}}]
[null,null,null,null,null,"Credit Score 1",{"$f":"'1 - Main'!F27","v":0},null,null,null,null,null,null,null,"Amount Available for P&P Element",{"$f":"M29-P42","v":{"$error":"#N/A"}}]
[null,null,null,null,null,"Credit Score 2 ",{"$f":"'1 - Main'!H27","v":0},null,"Product Rate Payments",null,null,"Requested Loan as % of Max Loan (C&I)",{"$f":"(M29-P25)/M22","v":{"$error":"#N/A"}},null,"Max Part & Part loan -Highest of Own and ONS",{"$f":"ROUNDUP(IF(P45>0,P45/M34*1000,0),0)+P40","v":{"$error":"#N/A"}}]
[null,null,null,null,null,"Credit Score 3",{"$f":"'1 - Main'!J27","v":0},null,"Capital & Interest",{"$f":"PMT((B29/100)/E13,G13*E13,-G11)","v":{"$error":"#NUM!"}},null,"Requested Loan as % of Max Loan (I/O)",{"$f":"(M29-P34)/M22","v":{"$error":"#N/A"}},null,"90% of Max P&P loan - higher of own and ONS",{"$f":"IF(C32<>\"Standard\",P46*85%,P46*90%)","v":{"$error":"#N/A"}}]
[null,null,null,null,null,"Credit Score 4",{"$f":"'1 - Main'!L27","v":0},null,"Interest-Only",{"$f":"G11/12*B29/100","v":0},null,"Requested Loan as % of Max Loan (P&P)",{"$f":"(M29-P44)/M22","v":{"$error":"#N/A"}},null,"Max 'capped' loan standard 4.75x",{"$f":"P23","v":0}]
[null,null,null,null,null,"Average Credit Score",{"$f":"IF(SUM(G45:G48)=0,0,AVERAGEIF(G45:G48,\">0\",G45:G48))","v":0},null,"Part & Part",{"$f":"PMT((B29/100)/E13,G13*E13,-J31)+J53","v":{"$error":"#NUM!"}},null,null,null,null,"Max 'capped' loan upper limit",{"$f":"P24","v":0}]
[null,null,null,null,null,"Score PD",{"$f":"2^((500-G49)/20)/(1+2^((500-G49)/20))","v":0.9999999701976785},null,null,null,null,"Repayment Type",{"$f":"IF(ISNUMBER(SEARCH(\"Only\",M15)),\"Interest-Only\",IF(ISNUMBER(SEARCH(\"Part\",M15)),\"Part & Part\",\"Capital Repayment\"))","v":"Capital Repayment"},null,"P&P Lower of max affordable loan or standard LTI",{"$f":"IF(P46<=P48,P46,P48)","v":{"$error":"#N/A"}}]
[null,null,null,null,null,"Scalar PD",{"$f":"G50*PEL!$B$24","v":2.4999999254941963},null,"5% Buffer Cap",185,null,null,null,null,"P&P Lower of 90% of affordable loan or upper LTI",{"$f":"IF(P47<P49,P47,P49)","v":{"$error":"#N/A"}}]
[null,null,null,null,null,"Floored PD",{"$f":"IF(G51<PEL!B27,PEL!B27,' VBS Criteria'!G51)","v":2.4999999254941963},null,null,null,null,null,null,null,"P&P Max loan offered",{"$f":"P46","v":{"$error":"#N/A"}}]
[null,null,null,null,null,"Valuation",{"$f":"G12","v":0},null,"Interest Only Pay Rate for Part&Part",{"$f":"J32/12*B29/100","v":0}]
[null,null,null,null,null,"Forced Sale Valuation",{"$f":"G53*(1-PEL!B30)","v":0}]
[null,null,null,null,null,"Sales Costs",{"$f":"IF(G54*PEL!$B$31>PEL!$B$32,PEL!$B$32,G54*PEL!$B$31)","v":0}]
[null,null,null,null,null,"Advance plus costs",{"$f":"G11+G55","v":0}]
[null,null,null,null,null,"LGD",{"$f":"IF((G14>100)>50%,-MIN(PEL!$B$29*(G54-G56),-G56*PEL!B28),IF((PEL!$B$29*(G54-G56))>0,0,(PEL!$B$29*(G54-G56))))","v":0}]
[null,null,null,null,null,"Expected Loss (£)",{"$f":"G57*G52","v":0}]
[null,null,null,null,null,"Downturn Expected Loss (%)",{"$f":"G58/G11","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,"WA EL(%)",{"$f":"G59*G11","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,"LTV Band",{"$f":"VLOOKUP(G14/100,PEL!A14:C19,3)","v":{"$error":"#VALUE!"}}]
[null,null,null,null,null,"PEL Trigger",{"$f":"IF(G14/100<80%,PEL!C10,IF(AND(G14/100>=80%,G14/100<=90%),PEL!$C$8,IF(G14/100>90%,PEL!$C$9)))","v":{"$error":"#VALUE!"}}]
[null,null,null,null,null,"PEL>Trigger",{"$f":"IF(G59>G62,\"YES\",\"NO\")","v":{"$error":"#DIV/0!"}}]

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[]
[]
[null,"Once completed save a copy of the Affordability calculator in the following folder Hotel/UserData/Mortgage Affordability Calculators with the name being the application number followed by the 1st applicants surname and the second applicants surname e.g. 1234 Surname1Surname 2  - save down 1 version in excel along with the output in PDF"]
[]
[null,"Type of mortgage required",null,"Select the repayment type (initial Assessment for Standard mortgages should be on Captial & Interest irrespective of repayment type) Where this fails I/O can be used where requested as a repayment type. Note Capital & interest max LTV 95%, Interest Only 60%",null,{"$f":"IF(AND(D5=\"Interest only\",#REF!>60%),\"WARNING LOAN EXCEEDS 60% LTV\",\"\")","v":{"$error":"#REF!"}}]
[null,"Gross Basic Income",null,"For each applicant:\nEmployed / Retired - Input the annual Gross basic  income/  prior to any deductions e.g. Tax, NI, Loans, Pension contributions. \nSelf Employed (ST/ P'Ship)-  lower of:\n• Most recent years share of net profit;\n• Average share of net profit of the last 2 years.\nSelf Employed (Ltd. Co.) - the lower of:\n• Most recent years director’s remuneration plus gross dividends;\n• Average of the last 2 years director’s remuneration plus gross dividends.\nNote – Self Employed Income will not be deemed usable whereby the latest year has seen a drop of more than 25% net profit."]
[null,"Gross Additional Income",null,"Input the total annual Amount of additional income such as regular bonus, overtime, allowances etc. prior to any deductions . Where using the average of the last 3 months pay slips note this must be in line with YTD / P60. (The calculator will default to include 50%)."]
[null,"Gross Other Income",null,"Input the annual Amount of other income on top of earned / pension income such as allowable benefits/ savings / investment /unencumbered property rental income. (The calculator will default to include 50%)."]
[null,"Net monthly income (monthly take home pay/pension):",null,"Employed - Retired - Insert the Net monthly income, where additional income fluctuates insert the average monthly net income.\nSelf Employed - The net income consistent with the tax returns should be used subject to Accounts confirming that drawings are < profit. Underwriter discretion may be applied where profits are not drawn in full this can be estimated by using the evidenced profit in the following calculator                                             www.employedandselfemployed.co.uk/setaxcalculator Refer cases to Underwriter."]
[null,"Other income (e.g. Savings / Investments income)",null,"Any other form of secondary income - Include any allowable benefits in here."]
[null,"Override",null,"Reg O/T Bous / Other Income - Should you agree to use a higher than the standard % of Additional income then the £value of the amount agreed to be used is inserted in the override - Must be agreed with U/W prior to use "]
[null,"Monthly committed expenditure:"]
[null,"HP / Loan repayments",null,"Input the total amount of loan repayments that a borrower has, note where the borrower is due to repay the loan within 3 months from completion this does not need to be included here but must be referenced in the notes and where this relates to a car for instance details of any final payments and or the borrower intensions re renewing ,must be captured in the notes also. Note - the exclusion of these payments from the calculation will be subject to underwriter assessment"]
[null,"Credit card Balances (total of all held)",null,"Input the total balances of credit cards held - including the average balance of a card where borrower pays in full."]
[null,"Credit card repayments (total)",null,"Input the amounts of the repayments borrower makes but exclude the full balance payment from this amount, although reference must be made in the notes including  the average balance that the borrower repays."]
[null,"Family maintenance",null,"Input any maintenance payments commitments - where this is due to finish in the next 3 months this can be excluded from the figures but must be referenced in the notes ."]
[null,"Other  unsecured commitments ",null,"Input the monthly cost of any other lending not captured above e.g. regular Overdraft charges / fees, Pay Day loans. Basic Pension contributions may be included here where not paid through a salary\nNote - Where the borrower has an Interest Only facility which is being assessed on Interest only rather than repayment repayment vehicle costs must be included here."]
[null," *Other non self financing mortgages/rent",null,"Mortgage Payments - I.e. Mortgage on second property or holiday home, where joint applicants but sole owner and the joint borrower is party to another mortgage (i.e. their own property) this must be included in here etc. note if the borrower holds a BTL held pays for itself (i.e. rent covers mortgage commitment) then this does not need to be included in the calculations - Proof of this not required for levels 1 -3.\nThis repayment amount must be stressed at the same rate as the prescribed Stress rate- refer to Input Calculation assist tab for the calculation of this.\nRent - Where the borrower pays rent for a property as well as also (for example in Self build cases whilst the build is being completed) this must be included here."]
[null,"Essential expenditure & basic standard of living costs :"]
[null,"Note - When assessing a case where there is a joint borrower added on where they will not reside in the property then Applicant1 should be the main person who will reside in the property to be mortgaged, it is important to include full income / expenditure details, inclusing household expenditure for the joint borrower who will not reside in the property- including stressed mortgage payment where they have one. Refer cases of this nature to Underwriter for guidance.\nUtilise the notes field to explain the borrower circumstances and discussions that you have had with regards to Expenditure. If affordability is tight but a borrower has given an explanation of how they intend to adjust their expenditure and what they can reduce further then capture this in the notes field in order to provide the underwriter with a full picture of the borrower expectations."]
[null,"Council tax","n/a","If the figure seems to be within expected ranges (and affordability and LTV <90%) no need to challenge - can be validated using online facility to check property using postcode, once confirmed the annual council tax can be divided by the number of months over which the tax is to be paid. Note -  Some areas charge council tax over a 10 month rather than 12 month period - apply the calculation that is applicable to the borrower - where this is unknown then a proxy can be calculated by dividing 12."]
[null,"Ground rent / service charge",4,"ONS data not used for this category as it does not apply to all cases. for leasehold properties there is an expectation that this will apply - If the property is an apartment /  flat then the expectation is that there will be a ground rent / service charge, for houses where this applies there is a tendency for this to be lower and service charges may not apply. "]
[null,"* Home Fuel & Utility Bills",4,"This is to include, Gas, electricity, Water, any other Fuel Bills that the borrower pays -e.g. Oil, Wood, Coal"]
[null,"*Food, groceries, toiletries and cleaning products","1, 5 and 12","borrower to calculate their average monthly spend - this is then assessed against ONS and the higher of the borrower stated/ ONS value is used (ONS uses 100% of category 1 - Food, 15% of category 5 - Cleaning Products and 31% of the 40% in category 12 which is for toiletries)"]
[null,"*Essential Travel Costs",7,"This is to include any Essential transport - i.e. Commute costs incl season tickets and dependants school college commute costs, car running and maintenance costs  to include petrol, servicing, MOT, Tax etc. but excludes Vehicle insurance (this is to be included in the insurance section)"]
[null,"*Essential Insurances ",12,"As a minimum this must include Buildings and contents - plus any other insurances that a borrower would consider to be essential - i.e. vehicle insurance where borrower owns a vehicle. ONS includes vehicle insurance!!! Other insurances such as life insurance /  pet insurance would only be included if a borrower deems these to be essential."]
[null,"*Telephones / Internet / TV and Satellite costs","8 & 9","To include landlines, mobiles, internet packages along with TV / Satellite packages - this figure has been combined as these are often combined packages that are not easy to separate out\n(To calculate from ONS this uses 95% of category 8 plus 10% of category 9)"]
[null,"Childcare (include School Fees if applicable)",null,"As these are unique to individual circumstances - Insert comment/ rationale if borrower has primary school age children, or younger and no childcare costs in here"]
[null,"*Clothing and Footwear",3,"Self Explanatory"]
[null,"Minimum surplus income required (5%)",null,"This does not require any inputs and cannot be overridden it covers the basic recreational costs, plus costs that don’t fit into other categories such as health, education, house hold goods, plus a small % of Alcohol/ narcotics, its simply to ensure that everything is considered - even the costs that you don't immediately think about."]
[null,"Overrides",null,"Refer the use of any override to an Underwriter - Overrides can be entered on permitted categories subject to core criteria being met and proofs obtained where applicable"]
[]
[null,"Level","Income evidence requirements",null,null,null,null,null,"Additional evidence requirements"]
[null,null,"Employed",null,null,null,null,"Self-employed"]
[null,"Level 1","1 month* \n(or 1 months worth where pay frequency is less than monthly) \nIf payslip is less than period 4 or bonus/overtime is being used then please provide latest P60",null,null,null,null,"Latest 2 years Tax calculation summaries supported by the \nLatest 2 years HMRC Tax year overviews\nLatest years accounts","None"]
[null,"Level 2","2 months* \n(or 2months worth where pay frequency is less than monthly) \nIf payslip is less than period 4 or bonus/overtime is being used then please provide latest P60",null,null,null,null,"Latest 2 years Tax calculation summaries supported by the \nLatest 2 years HMRC Tax year overviews\nLatest years accounts","None"]
[null,"Level 3","3 months* \n(or 3 months worth where pay frequency is less than monthly) \nIf payslip is less than period 4 or bonus/overtime is being used then please provide latest P60",null,null,null,null,"Latest 2 years Tax calculation summaries supported by the \nLatest 2 years HMRC Tax year overviews\nLatest years accounts","1 months personal main bank statements for all applicants including joint accounts"]
[null,"Level 4","4 months* \n(or 3  months worth where pay frequency is less than monthly) \nIf payslip is less than period 4 or bonus/overtime is being used then please provide latest P60",null,null,null,null,"Latest 2 years Tax calculation summaries\nHMRC Tax year overviews and \nLatest years accounts\n3 months business bank statements","3 months personal main bank statements for all applicants including joint accounts"]
[null,"*Note - Where Basic Salary fluctuates each month or additional income (e.g. Bonuses / Overtime/ Allowances) is used additional evidence may be requested e.g. P60."]

{"sheet":"ONS Update","index":10,"n_rows":64,"n_cols":18,"rows_kept":64,"cut":false,"hidden":true,"merged":[[26,10,26,15],[27,10,27,11],[2,11,19,14]]}
[null,null,"Single:",null,null,null,"Joint:"]
[null,"Dependants",0,1,2,3,0,1,2,3]
[null,"Monthly",{"$f":"ROUND(+C49,0)","v":1208},{"$f":"ROUND(+E49,0)","v":1342},{"$f":"ROUND(+F49,0)","v":1613},{"$f":"(J3/I3)*E3","v":1677.7554744525548},{"$f":"ROUND(+D49,0)","v":2098},{"$f":"ROUND(+G49,0)","v":2135},{"$f":"ROUND(+H49,0)","v":2192},{"$f":"ROUND(+I49,0)","v":2280},null,"Instructions for updating ONS - Note the fields requiring update on this tab are in yellow\n1 - Create new tab for A23 data table (label this Extract-ONS A23 xxxxye) and copy over latest data from website www.ons.gov.uk\n2 - Copy the monthly totals in line 46 down into line 66 as these are about to become the previous totals ( and the differenceds between the 2 are calculated once populated with the latest figures which allow you to sense check the data)\n3 - Copy and paste the data from A23 table into the yellow table (A23-I46) taking care to ensure that the data is always in thesame fields - note it may be easier to remove the values from A29-I46 of the table and copy a blank table over to the newly created Extract tab to fill it in before copying back over to this tab.\n4 - Check the movements / differences - you would expect these to be reasonably minimal - double check any large differences. \n5 - The assumptions made in the table below should be checked against the latest version of the A1 breakdown "]
[]
[null,"Code for Lookup where adult =1 and child =10",1,11,21,31,2,12,22,32]
[1,"Food & non-alcoholic drinks",{"$f":"+C53*(VLOOKUP($A6,$K$29:$M$41,3,FALSE))","v":169.43333333333334},{"$f":"+E53*(VLOOKUP($A6,$K$29:$M$41,3,FALSE))","v":205.83333333333334},{"$f":"+F53*(VLOOKUP($A6,$K$29:$M$41,3,FALSE))","v":282.09999999999997},{"$f":"+G53*(VLOOKUP($A6,$K$29:$M$41,3,FALSE))","v":350.56666666666666},{"$f":"+D53*(VLOOKUP($A6,$K$29:$M$41,3,FALSE))","v":302.03333333333336},{"$f":"+G53*(VLOOKUP($A6,$K$29:$M$41,3,FALSE))","v":350.56666666666666},396.06666666666666,461.06666666666666]
[2,"Alcoholic drinks, tobacco & narcotics",17.333333333333332,{"$f":"+E54*(VLOOKUP($A7,$K$29:$M$41,3,FALSE))","v":11.916666666666666},10.833333333333334,{"$f":"(J7/I7)*E7","v":7.8240740740740735},30.766666666666666,19.933333333333334,23.400000000000002,16.899999999999999]
[3,"Clothing & footwear",19.933333333333334,42.900000000000006,33.15,34.293103448275865,34.450000000000003,47.883333333333333,62.833333333333336,65]
[4,"Housing(net)2, fuel & power",219.70000000000002,275.81666666666666,328.90000000000003,{"$f":"(J9/I9)*E9","v":376.56305007587258},264.55,290.76666666666665,285.56666666666666,326.95]
[5,"Household goods & services",47.449999999999996,42.033333333333331,68.900000000000006,68.279279279279294,115.48333333333333,95.333333333333329,72.149999999999991,71.5]
[6,"Health",0,0,0,{"$f":"+G58*(VLOOKUP($A11,$K$29:$M$41,3,FALSE))","v":0},0,0,0,0,null,null,null,null,null,null,"Council tax"]
[7,"Transport",140.83333333333334,120.83499999999999,109.56833333333333,98.817822926990402,326.45166666666671,308.70666666666671,284.20166666666671,256.31666666666666,null,null,null,null,null,null,"Ground rent / service charge"]
[8,"Communication",65,80.600000000000009,87.966666666666683,89.309669211195953,101.83333333333333,101.83333333333333,113.53333333333332,115.26666666666667,null,null,null,null,null,null,"* Home Fuel & Utility Bills"]
[9,"Recreation & culture",51.870000000000005,51.718333333333334,74.316666666666663,70.254340836012886,126.94500000000001,118.755,141.50499999999997,133.77000000000001,null,null,null,null,null,null,"*Food, groceries, toiletries and cleaning products"]
[10,"Education",0,0,0,null,0,0,0,0,null,null,null,null,null,null,"*Travel Costs"]
[11,"Restaurants & hotels",40.949999999999996,39.281666666666666,33.214999999999996,29.171434782608685,89.331666666666663,79.17,69.766666666666666,61.273333333333319,null,null,null,null,null,null,"*Essential Insurances "]
[12,"Miscellaneous goods & services",57.849999999999994,42.25,61.75,53.055600000000005,104.64999999999999,131.73333333333332,135.41666666666666,116.35000000000001,null,null,null,null,null,null,"*Telephones / Internet / TV and Satellite costs"]
[null,"\"Other\" Total",{"$f":"SUM(C8)+(C10)+(C16)","v":108.33333333333331},{"$f":"SUM(D8)+(D10)+(D16)","v":124.215},135.26500000000001,131.74381751016384,239.26499999999999,222.38666666666666,204.75,197.77333333333331,null,null,null,null,null,null,"Childcare (should we include School Fees in here also)"]
[null,null,{"$f":"SUM(C6+C7+C8+C9+C10+C12+C13+C14+C17)","v":789.40333333333342},{"$f":"SUM(D6+D7+D8+D9+D10+D12+D13+D14+D17)","v":873.90333333333342},1057.4849999999999,1148.9636065183677,1407.1633333333334,1465.5116666666665,1514.6733333333332,1563.12]
[null,null,"Updates from A23 table input into yellow cells",null,null,null,null,null,null,null,null,null,null,null,null,null,"Other"]
[]
[null,null,null,null,null,null,null,null,null,null,null,"ONS DATA",null,null,null,null,"Total expenditure"]
[null,null,"One","Two","One adult",null,"Two adults",null,null,null,null,"https://www.ons.gov.uk/peoplepopulationandcommunity/personalandhouseholdfinances/expenditure/datasets/familyspendingworkbook2expenditurebyincome"]
[null,null,"person","adults","with","with","with","with","with",null,null,null,null,null,null,null,"Net income"]
[null,null," ",null,"one","two","one","two","three",null,null,"Table A23"]
[null,null,null,null,"child","or more","child","children","or more",null,null,null,null,null,null,null,"Minimum surplus income required (5%)"]
[null,null,null,null,null,"children",null,null,"children",null,"This table is populated from the assumptions made on the ONS expenditure breakdown tab"]
[null,null,null,null,null,null,null,null,null,null,"ONS Category",null,"Proposed % to use as minimum","Essential, Basic Standard of Living or  Excluded","Examples of whats included in the % being used","Examples of whats excluded","Associated Category on the Affordability calculator ","notes"]
[1,"Food & non-alcoholic drinks",39.1,69.7,47.5,65.099999999999994,80.900000000000006,91.4,106.4,null,1,"Food and non-alcoholic drinks",1,{"$f":"VLOOKUP($K29,'ONS expenditure breakdown A1'!$K$17:$Q$757,7,FALSE)","v":"Essential"},"Full amount for Food & non-alcoholic drinks included","n/a","Food / Groceries"]
[2,"Alcoholic drinks, tobacco & narcotics",8,14.2,5.5,5,9.1999999999999993,10.8,7.8,null,2,"Alcoholic drink, tobacco and narcotics",0.5,{"$f":"VLOOKUP($K30,'ONS expenditure breakdown A1'!$K$17:$Q$757,7,FALSE)","v":"Basic "},"Alcoholic drinks, tobacco & narcotics","50% proportion - in case of financial hardship expectation to reduce spend. Approx 50% of this cost is cigarettes/tobacco which for smokers could potentially be more difficult to reduce  ","Food / Groceries"]
[3,"Clothing & footwear",9.1999999999999993,15.9,19.8,15.3,22.1,29,30,null,3,"Clothing and footwear",{"$f":"VLOOKUP($K31,'ONS expenditure breakdown A1'!$K$17:$P$757,6,FALSE)","v":0.5},{"$f":"VLOOKUP($K31,'ONS expenditure breakdown A1'!$K$17:$Q$757,7,FALSE)","v":"Basic "},"Clothing & footwear","50% in case of financial hardship expectation to reduce spend","Clothing and Footwear - remaining 50% added to \"Other\""]
[4,"Housing(net)2, fuel & power",101.4,122.1,127.3,151.80000000000001,134.19999999999999,131.80000000000001,150.9,null,4,"Housing(net), fuel and power",0.5,{"$f":"VLOOKUP($K32,'ONS expenditure breakdown A1'!$K$17:$Q$757,7,FALSE)","v":"Essential"},"Fuel / Power and utilities","rent payment - if purchasing property unlikely to be paying rent also some non essential maintenance and alternative fuels which are considered to be an alternative to gas and electricity not in addition to","Home Fuel & Utility Bills"]
[5,"Household goods & services",21.9,53.3,19.399999999999999,31.8,44,33.299999999999997,33,null,5,"Household goods and services ",0.5,{"$f":"VLOOKUP($K33,'ONS expenditure breakdown A1'!$K$17:$Q$757,7,FALSE)","v":"Basic "},"Cleaning materials / Detergents etc. plus Household appliances/Furniture ","Electrical/ Garden tools, Tablewear, Utensils, 50% of furniture costs, decorative goods, Floor Coverings, Textiles","50% for cleaning / detergents included in Food, groceries, toiletries and cleaning products, remaining 50% added to \"Other\"."]
[6,"Health",0,0,0,0,0,0,0,null,6,"Health",0,{"$f":"VLOOKUP($K34,'ONS expenditure breakdown A1'!$K$17:$Q$757,7,FALSE)","v":"Essential"},"Medicines, prescriptions, opticians etc","Private Dental / Medical costs","No data reported"]
[7,"Transport",50,115.9,42.9,38.9,109.6,100.9,91,null,7,"Transport",0.65,{"$f":"VLOOKUP($K35,'ONS expenditure breakdown A1'!$K$17:$Q$757,7,FALSE)","v":"Essential & Basic "},"Vehicle running costs  & other travel costs (incl. season tickets etc)","35% for non essential travel and some duplication ie car running costs plus public transport costs and both may not apply.","Essential Travel"]
[8,"Communication",15,23.5,18.600000000000001,20.3,23.5,26.2,26.6,null,8,"Communication",1,{"$f":"VLOOKUP($K36,'ONS expenditure breakdown A1'!$K$17:$Q$757,7,FALSE)","v":"Essential"},"landlines, mobiles and internet","Purchasing of New Phones / Mobiles / Faxes","Telephones / Internet / TV and Satellite costs"]
[9,"Recreation & culture",34.200000000000003,83.7,34.1,49,78.3,93.3,88.2,null,9,"Recreation and culture",0.35,{"$f":"VLOOKUP($K37,'ONS expenditure breakdown A1'!$K$17:$Q$757,7,FALSE)","v":"Basic "},"TV, Satelite","65% of the costs in this category is excluded - in cases of Financial Hardship it would be expected that recreational experiances could be reduced considerably eg Holidays abroad","Telephones / Internet / TV and Satellite costs"]
[10,"Education",null,null,null,null,null,null,null,null,10,"Education",0,{"$f":"VLOOKUP($K38,'ONS expenditure breakdown A1'!$K$17:$Q$757,7,FALSE)","v":"Basic "},"school costs, trips etc","Private school fees, nursery etc picked up by Underwriters. School trips classed as discretionary spending. ","No data reported"]
[11,"Restaurants & hotels",27,58.9,25.9,21.9,52.2,46,40.4,null,11,"Restaurants and hotels",0.35,{"$f":"VLOOKUP($K39,'ONS expenditure breakdown A1'!$K$17:$Q$757,7,FALSE)","v":"Basic "},"Snacks and confectionery, school meals or meals bought and eaten at the office and  50% of takeaway spend ","Holidays, Restaurant / Café meals and 50% of takeaway spend ","Added to \"Other\""]
[12,"Miscellaneous goods & services",26.7,48.3,19.5,28.5,60.8,62.5,53.7,null,12,"Miscellaneous goods and services",0.5,{"$f":"VLOOKUP($K40,'ONS expenditure breakdown A1'!$K$17:$Q$757,7,FALSE)","v":"Buildings Ins- Essential, Toilerires and Soap Essential, remainder - Basic "},"Insurances (B&C), (Vehicle),  Personal Care -Toiletries","Costs associated with moving house- furniture storage and removal as these would be one offs, bank charges and annual credit card fees , personal effects - watches/ Jewelry etc","70% for insurances (B&C)c25%, (Vehicle )c45% included in Essential Insurances and 30% for Personal Care -Toiletries included in Food / Groceries"]
[null,null,null,null,null,null,null,null,null,null,13,"Other expenditure items",{"$f":"VLOOKUP($K41,'ONS expenditure breakdown A1'!$K$17:$P$757,6,FALSE)","v":0},{"$f":"VLOOKUP($K41,'ONS expenditure breakdown A1'!$K$17:$Q$757,7,FALSE)","v":"Excluded"},"none - All considered non-essential","Mortgage payments as no need to include, fines, holiday spends, gifts and donations are considered to be non essential","n/a "]
["1-12","All expenditure groups",343.1,617.9,367.9,432.9,627.5,643.29999999999995,644.70000000000005,null,14,"Other items recorded","Excluded","Excluded","none ","Items of expenditure covered by using monthly income - i.e Tax, Ni and pension costs","n/a "]
[]
[13,"Other expenditure items",78.400000000000006,110,36,44.5,120.9,116.9,101.4]
[]
["Total expenditure",null,406.8,727.9,403.9,477.4,748.4,760.2,746]
[]
[null,"Essential expenditure used",{"$f":"SUM(C29:C37)-A1048550-A1048554","v":278.8},{"$f":"SUM(D29:D37)-D30-D34","v":484.1},309.60000000000002,372.2,492.6,505.90000000000003,526.10000000000014]
[null,"Monthly",{"$f":"+C48*52/12","v":1208.1333333333334},2097.7666666666669,1341.6000000000001,1612.8666666666666,2134.6,2192.2333333333336,2279.7666666666673]
[]
[]
[null,"Monthly"]
[null,"Food & non-alcoholic drinks",{"$f":"+C29*52/12","v":169.43333333333334},{"$f":"+D29*52/12","v":302.03333333333336},205.83333333333334,282.09999999999997,350.56666666666666,396.06666666666666,461.06666666666666]
[null,"Alcoholic drinks, tobacco & narcotics",{"$f":"+C30*52/12","v":34.666666666666664},61.533333333333331,23.833333333333332,21.666666666666668,39.866666666666667,46.800000000000004,33.799999999999997]
[null,"Clothing & footwear",39.866666666666667,68.900000000000006,85.800000000000011,66.3,95.766666666666666,125.66666666666667,130]
[null,"Housing(net)2, fuel & power",439.40000000000003,529.1,551.63333333333333,657.80000000000007,581.5333333333333,571.13333333333333,653.9]
[null,"Household goods & services",94.899999999999991,230.96666666666667,84.066666666666663,137.80000000000001,190.66666666666666,144.29999999999998,143]
[null,"Health",0,0,0,0,0,0,0]
[null,"Transport",216.66666666666666,502.23333333333335,185.89999999999998,168.56666666666666,474.93333333333334,437.23333333333335,394.33333333333331]
[null,"Communication",65,101.83333333333333,80.600000000000009,87.966666666666683,101.83333333333333,113.53333333333332,115.26666666666667]
[null,"Recreation & culture",148.20000000000002,362.70000000000005,147.76666666666668,212.33333333333334,339.3,404.29999999999995,382.20000000000005]
[null,"Education",0,0,0,0,0,0,0]
[null,"Restaurants & hotels",117,255.23333333333332,112.23333333333333,94.899999999999991,226.20000000000002,199.33333333333334,175.06666666666663]
[null,"Miscellaneous goods & services",115.69999999999999,209.29999999999998,84.5,123.5,263.46666666666664,270.83333333333331,232.70000000000002]

{"sheet":"ONS Explanation Table","index":11,"n_rows":15,"n_cols":7,"rows_kept":15,"cut":false,"hidden":true,"merged":[[13,3,14,3],[5,3,6,3],[5,0,6,0],[5,1,6,1],[5,2,6,2],[13,0,14,0],[13,1,14,1],[13,2,14,2]]}
["ONS Category","% to use as minimum","Essential or Basic Standard of Living ","Justification","Affordability Calculator Category","% Proportion of used","Justification"]
["Food and non-alcoholic drinks",1,"Essential","Increasing and ongoing cost","Food / Groceries",1]
["Alcoholic drink, tobacco and narcotics",0.5,"Basic","Could reduce if needed but unlikely to stop completely","Food / Groceries",1]
["Clothing and footwear",0.5,"Basic","Could reduce if needed but unlikely to stop completely","Clothing & Footwear",1]
["Housing(net), fuel and power",0.5,"Essential ","Includes rental payments in the overall figure","Home Fuel & Utility Bills",1]
["Household goods and services ",0.5,"Basic","Includes cleaning products, appliances and furniture - could reduce but unlikely to stop completely","Food / Groceries",0.5,"25% overall for cleaning products"]
[null,null,null,null,"Other",0.5,"25% for the remainder"]
["Health","No data","Essential","No data","N/A",0,"Include in Net Income Buffer"]
["Transport",0.65,"Essential & Basic","Vehicle running costs, and other travel. None essential travel can be stopped.","Essential Travel",1]
["Communication",1,"Basic","Mobile phones, Landline and Internet","Telephone/TV/Satellite",1]
["Recreation and culture",0.35,"Basic","TV/Satellite - excluded holidays and other activities on the basis that Net Income Buffer can cover to an extent and could be stopped if needed.","Telephone/TV/Satellite",1]
["Education","No data","Basic","No data","N/A",0,"Include in Net Income Buffer"]
["Restaurants and hotels",0.35,"Basic","Included in Other to cover takeaways, and occasional use of restaurants and hotels, but can be stopped if needed.","Other",1]
["Miscellaneous goods and services",0.5,"Basic","This includes items that don't need to be bought and one off costs e.g. moving costs, so only ongoing costs included.","Essential Insurance",0.7,"Car, Buildings & Contents"]
[null,null,null,null,"Food / Groceries",0.3,"Toiletries"]

{"sheet":"ONS 2024","index":12,"n_rows":68,"n_cols":22,"rows_kept":68,"cut":false,"hidden":true,"merged":[[6,13,6,14],[21,5,21,20]]}
["Table A23",null,null,null,null,null,null,null,null,null,null,null,null,"Back to Contents"]
["High level expenditure by household composition"]
["UK, financial year ending 2023"]
[]
[]
[null,null,null,null,"Retired households",null,null,null,null,null,"Non-retired",null,null,"Retired and non-retired households"]
[null,null,null,null,"State pension1",null,null,"Other retired",null,null,"One","Two",null,"One adult",null,null,"Two adults",null,null,null,"Three or more adults"]
[null,null,null,null,"One","Two ",null,"One","Two",null,"person","adults",null,"with","with",null,"with","with","with",null,"without","with"]
[null,null,null,null,"person","adults",null,"person","adults",null," ",null,null,"one","two",null,"one","two","three",null,"children","children"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"child","or more",null,"child","children","or more"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"children",null,null,null,"children"]
[]
[]
["Weighted number of households (thousands)",null,null,null,860,420,null,2640,2940,null,5330,6940,null,800,710,null,2280,2540,860,null,1960,1010]
["Total number of households in sample",null,null,null,130,70,null,420,570,null,740,1070,null,110,100,null,330,370,140,null,290,140]
["Total number of persons in sample",null,null,null,130,150,null,420,1130,null,740,2130,null,220,330,null,980,1500,730,null,950,670]
["Total number of adults in sample",null,null,null,130,150,null,420,1130,null,740,2130,null,110,100,null,650,750,270,null,950,460]
[]
["Weighted average number of persons per household",null,null,null,1,2,null,1,2,null,1,2,null,2,3.3,null,3,4,5.4,null,3.4,5]
[]
[]
["Commodity or service",null,null,null,null,"Average weekly household expenditure (£)"]
[]
[]
[1,"Food & non-alcoholic drinks",null,null,36.700000000000003,61,null,38.9,69.3,null,35.299999999999997,64.400000000000006,null,47.5,54.4,null,77,92.8,98.6,null,94.1,102.3]
[]
[2,"Alcoholic drinks, tobacco & narcotics",null,null,5.5,10.5,null,6.1,15.6,null,8.3000000000000007,14.5,null,5.2,3.4,null,8.1,11.3,6.8,null,13.7,13]
[]
[3,"Clothing & footwear",null,null,3.6,10,null,7,13.1,null,8.5,18.399999999999999,null,18.2,17.600000000000001,null,22.2,28.4,30,null,24.2,30.6]
[]
[4,"Housing (net)², fuel & power",null,null,53.9,69.900000000000006,null,58.7,74.5,null,94.8,127.8,null,113.3,142.30000000000001,null,113,121,137,null,124.6,133.5]
[]
[5,"Household goods & services",null,null,20.2,14.9,null,28.3,43.3,null,26.4,40,null,22.6,24.4,null,42.5,44.6,38.700000000000003,null,41.6,34.5]
[]
[6,"Health",null,null,"..","..",null,"..","..",null,"..","..",null,"..","..",null,"..","..","..",null,"..",".."]
[]
[7,"Transport",null,null,13.5,34.6,null,32,75.900000000000006,null,44.7,98.8,null,49.3,41.6,null,102.2,119.1,129.80000000000001,null,122.5,105.8]
[]
[8,"Communication",null,null,10.3,16.399999999999999,null,13.6,19.899999999999999,null,15.2,21.8,null,18.3,17.5,null,22.8,24.1,26.3,null,30.4,30.7]
[]
[9,"Recreation & culture",null,null,22.1,41.9,null,47.2,76.400000000000006,null,37,74.599999999999994,null,43.5,34.700000000000003,null,74.2,106.3,76,null,90.1,71.900000000000006]
[]
[10,"Education",null,null,"..","..",null,"..","..",null,"..","..",null,"..","..",null,"..","..","..",null,"..",".."]
[]
[11,"Restaurants & hotels",null,null,7.9,18,null,16.100000000000001,42.5,null,25.5,57.3,null,22.9,19.600000000000001,null,42.7,56.2,51.7,null,53.6,48.3]
[]
[12,"Miscellaneous goods & services",null,null,17,25.2,null,27.7,42.9,null,23.7,45.3,null,29.7,23.7,null,51.7,53.4,60,null,54.3,62.6]
[]
[]
["1-12","All expenditure groups",null,null,194.1,313.89999999999998,null,282.39999999999998,492.7,null,326.5,573.9,null,389.9,386.9,null,581.6,678.9,692.5,null,663.2,655.7]
[]
[]
[13,"Other expenditure items",null,null,26.2,44.9,null,41.9,60.6,null,57.6,91.3,null,46.8,40.299999999999997,null,102.6,114.7,113.4,null,84.9,91.7]
[]
[]
["Total expenditure",null,null,null,220.3,358.8,null,324.2,553.29999999999995,null,384.1,665.2,null,436.7,427.1,null,684.1,793.6,805.9,null,748.1,747.4]
[]
[]
["Average weekly expenditure per person (£)"]
["Total expenditure",null,null,null,220.3,179.4,null,324.2,276.7,null,384.1,332.6,null,218.4,128.4,null,228,198.4,148.30000000000001,null,221.1,150.6]
[]
[]
["Note: The commodity and service categories are not comparable to those in publications before 2001-02."]
["Please see background notes for symbols and conventions used in this report."]
["1 Mainly dependent on state pensions and not economically active - see Methodology - Economically Inactive."]
["2 Excluding mortgage interest payments, council tax and Northern Ireland rates Mortgage interest payments can be found in category 13."]
[]
["Source: Office for National Statistics"]

{"sheet":"ONS 2022","index":13,"n_rows":69,"n_cols":62,"rows_kept":69,"cut":false,"hidden":true,"merged":[[21,5,21,20],[11,34,11,35],[6,57,6,58],[6,13,6,14],[6,28,6,29],[6,38,6,39],[6,49,6,50]]}
["Table A23",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Back to Contents"]
["Expenditure by household composition"]
["UK, financial year ending 2020"]
[]
[]
[null,null,null,null,"Retired households",null,null,null,null,null,"Non-retired",null,null,"Retired and non-retired households",null,null,null,null,null,null,null,null,null,null,null,null,"Non-retired",null,"Retired and non-retired households",null,null,null,null,null,null,2022,"Non-retired",null,"Retired and non-retired households",null,null,null,null,null,null,null,null,"Non-retired",null,"Retired and non-retired households",null,null,null,null,null,"Non-retired",null,"Retired and non-retired households"]
[null,null,null,null,"State pension1",null,null,"Other retired",null,null,"One","Two",null,"One adult",null,null,"Two adults",null,null,null,"Three or more adults",null,null,null,null,null,"One","Two","One adult",null,"Two adults",null,null,null,null,null,"One","Two","One adult",null,"Two adults",null,null,null,null,null,null,"One","Two","One adult",null,"Two adults",null,null,null,"One","Two","One adult",null,"Two adults"]
[null,null,null,null,"One","Two ",null,"One","Two",null,"person","adults",null,"with","with",null,"with","with","with",null,"without","with",null,null,null,null,"person","adults","with","with","with","with","with",null,null,null,"person","adults","with","with","with","with","with",null,null,null,null,"person","adults","with","with","with","with","with",null,"person","adults","with","with","with","with","with"]
[null,null,null,null,"person","adults",null,"person","adults",null," ",null,null,"one","two",null,"one","two","three",null,"children","children",null,null,null,null," ",null,"one","two","one","two","three",null,null,null," ",null,"one","two","one","two","three",null,null,null,null," ",null,"one","two","one","two","three",null," ",null,"one","two","one","two","three"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"child","or more",null,"child","children","or more",null,null,null,null,null,null,null,null,null,"child","or more","child","children","or more",null,null,null,null,null,"child","or more","child","children","or more",null,null,null,null,null,null,"child","or more","child","children","or more",null,null,null,"child","or more","child","children","or more"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"children",null,null,null,"children",null,null,null,null,null,null,null,null,null,null,"children",null,null,"children",null,null,null,null,null,null,"children",null,null,"children",null,null,null,null,null,null,null,"children",null,null,"children",null,null,null,null,"children",null,null,"children"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020 (A23 ONS Data)",null,null,null,null,null,null,null,null,"Derived Data"]
[]
["Weighted number of households (thousands)",null,null,null,770,470,null,2780,2770,null,4370,6220,null,620,540,null,2190,2540,960,null,2520,1080,null,null,1,"Food & non-alcoholic drinks",32.5,63.5,41.1,55,71.7,88.2,103.9,null,"1","Food and non-alcoholic drinks",37.537500000000001,73.342500000000001,47.470500000000008,63.525000000000006,82.813500000000019,101.87100000000002,120.00450000000002,null,null,"1","Food and non-alcoholic drinks",{"$f":"AK14-AA14","v":5.0375000000000014},{"$f":"AL14-AB14","v":9.8425000000000011},6.3705000000000069,8.5250000000000057,11.113500000000016,13.671000000000021,16.104500000000016,null,{"$f":"AV14/AA14","v":0.15500000000000005},{"$f":"AW14/AB14","v":0.15500000000000003},0.15500000000000017,0.15500000000000011,0.15500000000000022,0.15500000000000022,0.15500000000000014]
["Total number of households in sample",null,null,null,140,120,null,530,640,null,840,1190,null,140,130,null,420,510,190,null,410,170,null,null,2,"Alcoholic drinks, tobacco & narcotics",9.1999999999999993,15.9,7.5,6.6,12.4,11.6,10.7,null,"2","Alcoholic drinks, tobacco and narcotics",10.626000000000001,18.364500000000003,8.6625000000000014,7.6230000000000002,14.322000000000003,13.398000000000001,12.358500000000001,null,null,"2","Alcoholic drinks, tobacco and narcotics",{"$f":"AK15-AA15","v":1.4260000000000019},{"$f":"AL15-AB15","v":2.4645000000000028},{"$f":"AM15-AC15","v":1.1625000000000014},{"$f":"AN15-AD15","v":1.0230000000000006},{"$f":"AO15-AE15","v":1.9220000000000024},{"$f":"AP15-AF15","v":1.7980000000000018},{"$f":"AQ15-AG15","v":1.6585000000000019},null,{"$f":"AV15/AA15","v":0.15500000000000022},{"$f":"AW15/AB15","v":0.15500000000000017},{"$f":"AX15/AC15","v":0.15500000000000019},{"$f":"AY15/AD15","v":0.15500000000000008},{"$f":"AZ15/AE15","v":0.15500000000000019},{"$f":"BA15/AF15","v":0.15500000000000017},{"$f":"BB15/AG15","v":0.15500000000000019}]
["Total number of persons in sample",null,null,null,140,240,null,530,1290,null,840,2390,null,290,440,null,1270,2040,990,null,1370,850,null,null,3,"Clothing & footwear",11,24,16.899999999999999,23.8,31.4,33.5,31.1,null,"3","Clothing and footwear",12.705000000000002,27.720000000000006,19.519500000000004,27.489000000000004,36.267000000000003,38.69250000000001,35.920500000000004,null,null,"3","Clothing and footwear",1.7050000000000018,3.720000000000006,2.6195000000000057,3.6890000000000036,4.8670000000000044,5.1925000000000097,4.8205000000000027,null,0.15500000000000017,0.15500000000000025,0.15500000000000036,0.15500000000000014,0.15500000000000014,0.15500000000000028,0.15500000000000008]
["Total number of adults in sample",null,null,null,140,240,null,530,1290,null,840,2390,null,140,130,null,850,1020,370,null,1370,570,null,null,4,"Housing(net)2, fuel & power",74,92.3,99.4,94.4,99.9,98,102.2,null,"4","Housing(net)2, fuel and power",108.78,135.68100000000001,146.11799999999999,138.768,146.85300000000001,144.06,150.23399999999998,null,null,"4","Housing(net)2, fuel and power",34.78,43.381000000000014,46.717999999999989,44.367999999999995,46.953000000000003,46.06,48.033999999999978,null,0.47000000000000003,0.4700000000000002,0.46999999999999986,0.46999999999999992,0.47000000000000003,0.47000000000000003,0.46999999999999975]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,"Household goods & services",19.100000000000001,42.5,21.9,21.2,50.7,46.7,49.7,null,"5","Household goods and services",22.060500000000005,49.087500000000006,25.294500000000003,24.486000000000004,58.558500000000009,53.938500000000012,57.403500000000008,null,null,"5","Household goods and services",2.9605000000000032,6.5875000000000057,3.3945000000000043,3.2860000000000049,7.8585000000000065,7.238500000000009,7.7035000000000053,null,0.15500000000000017,0.15500000000000014,0.15500000000000019,0.15500000000000025,0.15500000000000011,0.15500000000000019,0.15500000000000011]
["Weighted average number of persons per household",null,null,null,1,2,null,1,2,null,1,2,null,2,3.4,null,3,4,5.2,null,3.4,5,null,null,6,"Health",5.3,10.5,2.5,3.1,5.3,7.1,7.2,null,"6","Health",6.1215000000000011,12.127500000000001,2.8875000000000002,3.5805000000000007,6.1215000000000011,8.2004999999999999,8.3160000000000007,null,null,"6","Health",0.82150000000000123,1.6275000000000013,0.38750000000000018,0.48050000000000059,0.82150000000000123,1.1005000000000003,1.1160000000000005,null,0.15500000000000025,0.15500000000000011,0.15500000000000008,0.15500000000000019,0.15500000000000025,0.15500000000000005,0.15500000000000008]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7,"Transport",45.2,101,38.6,43.1,100.6,115.8,106.6,null,"7","Transport",52.20600000000001,116.65500000000002,44.583000000000006,49.780500000000004,116.193,133.74900000000002,123.123,null,null,"7","Transport",7.0060000000000073,15.655000000000015,5.9830000000000041,6.6805000000000021,15.593000000000004,17.949000000000026,16.52300000000001,null,0.15500000000000017,0.15500000000000017,0.15500000000000011,0.15500000000000005,0.15500000000000005,0.15500000000000022,0.15500000000000011]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,8,"Communication",13.6,23.8,15.5,17.8,25.6,25.7,27,null,"8","Communication",15.708,27.489000000000004,17.902500000000003,20.559000000000005,29.568000000000005,29.683500000000002,31.185000000000006,null,null,"8","Communication",2.1080000000000005,3.6890000000000036,2.4025000000000034,2.7590000000000039,3.9680000000000035,3.9835000000000029,4.1850000000000058,null,0.15500000000000005,0.15500000000000014,0.15500000000000022,0.15500000000000022,0.15500000000000014,0.15500000000000011,0.15500000000000022]
["Commodity or service",null,null,null,null,"Average weekly household expenditure (£)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,"Recreation & culture",33.700000000000003,87.4,37.700000000000003,42.1,80.400000000000006,103.2,83.2,null,"9","Recreation and culture",38.923500000000011,100.94700000000002,43.543500000000009,48.625500000000009,92.862000000000023,119.19600000000003,96.096000000000018,null,null,"9","Recreation and culture",5.2235000000000085,13.547000000000011,5.8435000000000059,6.5255000000000081,12.462000000000018,15.996000000000024,12.896000000000015,null,0.15500000000000025,0.15500000000000011,0.15500000000000014,0.15500000000000019,0.15500000000000019,0.15500000000000022,0.15500000000000017]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,"Education",null,null,null,null,null,null,null,null,"10","Education",null,null,null,null,null,null,null,null,null,"10","Education"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,11,"Restaurants & hotels",27.1,63.3,21.7,31.7,61.6,74.3,61,null,"11","Restaurants and hotels",31.300500000000003,73.111500000000007,25.063500000000001,36.613500000000009,71.14800000000001,85.816500000000005,70.454999999999998,null,null,"11","Restaurants and hotels",{"$f":"AK24-AA24","v":4.2005000000000017},{"$f":"AL24-AB24","v":9.8115000000000094},{"$f":"AM24-AC24","v":3.3635000000000019},{"$f":"AN24-AD24","v":4.9135000000000097},{"$f":"AO24-AE24","v":9.5480000000000089},{"$f":"AP24-AF24","v":11.516500000000008},{"$f":"AQ24-AG24","v":9.4549999999999983},null,0.15500000000000005,0.15500000000000017,0.15500000000000008,0.1550000000000003,0.15500000000000014,0.15500000000000011,0.15499999999999997]
[1,"Food & non-alcoholic drinks",null,null,34,64.400000000000006,null,34.4,67.5,null,32.5,63.5,null,41.1,55,null,71.7,88.2,103.9,null,97.9,105.4,null,null,12,"Miscellaneous goods & services",27.4,47.5,29.6,28,60.8,64.900000000000006,58.9,null,"12","Miscellaneous goods and services",31.647000000000002,54.862500000000004,34.188000000000002,32.340000000000003,70.224000000000004,74.95950000000002,68.029499999999999,null,null,"12","Miscellaneous goods and services",4.2470000000000034,7.3625000000000043,4.588000000000001,4.3400000000000034,9.4240000000000066,10.059500000000014,9.1295000000000002,null,0.15500000000000014,0.15500000000000008,0.15500000000000003,0.15500000000000011,0.15500000000000011,0.15500000000000019,0.155]
[]
[2,"Alcoholic drinks, tobacco & narcotics",null,null,6.3,11.8,null,6.3,13.4,null,9.1999999999999993,15.9,null,7.5,6.6,null,12.4,11.6,10.7,null,24.6,17.3,null,null,"1-12","All expenditure groups",299.39999999999998,574.4,342.9,371,605.70000000000005,682.7,658.8,null,"1-12","All expenditure groups",367.6155,689.38800000000003,415.23299999999995,453.39,724.93050000000017,803.56500000000017,773.1255000000001,null,null,"1-12","All expenditure groups",68.21550000000002,114.98800000000006,72.33299999999997,82.389999999999986,119.23050000000012,120.86500000000012,114.32550000000015,null,0.22784068136272553,0.20018802228412266,0.21094488188976371,0.22207547169811317,0.19684744923229339,0.17703969532737676,0.1735359744990895]
[]
[3,"Clothing & footwear",null,null,7.9,9.5,null,8,19.100000000000001,null,11,24,null,16.899999999999999,23.8,null,31.4,33.5,31.1,null,40.1,55.3,null,null,13,"Other expenditure items",57.2,90.1,39.799999999999997,37.1,102.6,118.5,113.9,null,"13","Other expenditure items",66.066000000000003,104.06550000000001,45.969000000000001,42.850500000000011,118.50300000000001,136.86750000000004,131.55450000000002,null,null,"13","Other expenditure items",8.8659999999999997,13.96550000000002,6.169000000000004,5.7505000000000095,15.90300000000002,18.367500000000035,17.654500000000013,null,0.155,0.15500000000000022,0.15500000000000011,0.15500000000000025,0.15500000000000019,0.1550000000000003,0.15500000000000011]
[]
[4,"Housing(net)2, fuel & power",null,null,46.3,46.9,null,46.4,53,null,74,92.3,null,99.4,94.4,null,99.9,98,102.2,null,119,92.3,null,null,"Total expenditure",null,356.6,664.5,382.8,408.1,708.3,801.2,772.7,null,"Total expenditure",null,433.68150000000003,793.45350000000008,461.20199999999994,496.2405,843.43350000000021,940.43250000000023,904.68000000000006,null,null,"Total expenditure",null,77.081500000000005,128.95350000000008,78.40199999999993,88.140499999999975,135.13350000000025,139.23250000000019,131.98000000000002,null,0.2161567582725743,0.19406094808126423,0.20481191222570513,0.21597770154373921,0.19078568403219012,0.17377995506739913,0.17080367542383851]
[]
[5,"Household goods & services",null,null,13.7,33.200000000000003,null,16.899999999999999,39.700000000000003,null,19.100000000000001,42.5,null,21.9,21.2,null,50.7,46.7,49.7,null,51.7,48.7]
[]
[6,"Health",null,null,3.1,7.5,null,9.3000000000000007,12.2,null,5.3,10.5,null,2.5,3.1,null,5.3,7.1,7.2,null,11,6.2]
[]
[7,"Transport",null,null,17.7,41.7,null,25,63.2,null,45.2,101,null,38.6,43.1,null,100.6,115.8,106.6,null,137.19999999999999,146.4]
[]
[8,"Communication",null,null,10.9,16.8,null,12.5,18.7,null,13.6,23.8,null,15.5,17.8,null,25.6,25.7,27,null,31.1,36.4]
[]
[9,"Recreation & culture",null,null,31.3,58.3,null,42.5,99.7,null,33.700000000000003,87.4,null,37.700000000000003,42.1,null,80.400000000000006,103.2,83.2,null,108.9,97.5]
[]
[10,"Education",null,null,"..",":",null,"..","..",null,"[1.40]",2.7,null,"[10.70]","[4.20]",null,5.3,13.6,17.3,null,6.7,11.1]
[]
[11,"Restaurants & hotels",null,null,11.7,29.1,null,18.100000000000001,50.4,null,27.1,63.3,null,21.7,31.7,null,61.6,74.3,61,null,93.9,90.2]
[]
[12,"Miscellaneous goods & services",null,null,42.8,25.9,null,22.3,45.5,null,27.4,47.5,null,29.6,28,null,60.8,64.900000000000006,58.9,null,62.4,71.2]
[]
[]
["1-12","All expenditure groups",null,null,225.7,345.1,null,241.7,483.4,null,299.39999999999998,574.4,null,342.9,371,null,605.70000000000005,682.7,658.8,null,784.4,778]
[]
[]
[13,"Other expenditure items",null,null,31.3,40.1,null,33,67.8,null,57.2,90.1,null,39.799999999999997,37.1,null,102.6,118.5,113.9,null,110.4,107.8]
[]
[]
["Total expenditure",null,null,null,257,385.2,null,274.7,551.1,null,356.6,664.5,null,382.8,408.1,null,708.3,801.2,772.7,null,894.8,885.8]
[]
[]
["Average weekly expenditure per person (£)"]
["Total expenditure",null,null,null,257,192.6,null,274.7,275.60000000000002,null,356.6,332.3,null,191.4,118.6,null,236.1,200.3,147.9,null,259.8,177.3]
[]
[]
["Note: The commodity and service categories are not comparable to those in publications before 2001-02."]
["Please see background notes for symbols and conventions used in this report."]
["1 Mainly dependent on state pensions and not economically active."]
["2 Excluding mortgage interest payments, council tax and Northern Ireland rates."]
[]
[]
["Source: Office for National Statistics"]

{"sheet":"ONS 2021","index":14,"n_rows":69,"n_cols":54,"rows_kept":69,"cut":false,"hidden":true,"merged":[[6,13,6,14],[21,5,21,20],[6,28,6,29],[6,38,6,39],[6,49,6,50]]}
["Table A23",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Back to Contents"]
["Expenditure by household composition"]
["UK, financial year ending 2020"]
[]
[]
[null,null,null,null,"Retired households",null,null,null,null,null,"Non-retired",null,null,"Retired and non-retired households",null,null,null,null,null,null,null,null,null,null,null,null,"Non-retired",null,"Retired and non-retired households",null,null,null,null,null,null,2018,"Non-retired",null,"Retired and non-retired households",null,null,null,null,null,null,null,null,"Non-retired",null,"Retired and non-retired households"]
[null,null,null,null,"State pension1",null,null,"Other retired",null,null,"One","Two",null,"One adult",null,null,"Two adults",null,null,null,"Three or more adults",null,null,null,null,null,"One","Two","One adult",null,"Two adults",null,null,null,null,null,"One","Two","One adult",null,"Two adults",null,null,null,null,null,null,"One","Two","One adult",null,"Two adults"]
[null,null,null,null,"One","Two ",null,"One","Two",null,"person","adults",null,"with","with",null,"with","with","with",null,"without","with",null,null,null,null,"person","adults","with","with","with","with","with",null,null,null,"person","adults","with","with","with","with","with",null,null,null,null,"person","adults","with","with","with","with","with"]
[null,null,null,null,"person","adults",null,"person","adults",null," ",null,null,"one","two",null,"one","two","three",null,"children","children",null,null,null,null," ",null,"one","two","one","two","three",null,null,null," ",null,"one","two","one","two","three",null,null,null,null," ",null,"one","two","one","two","three"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"child","or more",null,"child","children","or more",null,null,null,null,null,null,null,null,null,"child","or more","child","children","or more",null,null,null,null,null,"child","or more","child","children","or more",null,null,null,null,null,null,"child","or more","child","children","or more"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"children",null,null,null,"children",null,null,null,null,null,null,null,null,null,null,"children",null,null,"children",null,null,null,null,null,null,"children",null,null,"children",null,null,null,null,null,null,null,"children",null,null,"children"]
[]
[]
["Weighted number of households (thousands)",null,null,null,770,470,null,2780,2770,null,4370,6220,null,620,540,null,2190,2540,960,null,2520,1080,null,null,1,"Food & non-alcoholic drinks",32.5,63.5,41.1,55,71.7,88.2,103.9,null,"1","Food and non-alcoholic drinks",31.4,60.8,40.5,57.1,69.3,83.4,88.6,null,null,"1","Food and non-alcoholic drinks",{"$f":"AA14-AK14","v":1.1000000000000014},{"$f":"AB14-AL14","v":2.7000000000000028},{"$f":"AC14-AM14","v":0.60000000000000142},{"$f":"AD14-AN14","v":-2.1000000000000014},{"$f":"AE14-AO14","v":2.4000000000000057},{"$f":"AF14-AP14","v":4.7999999999999972},{"$f":"AG14-AQ14","v":15.300000000000011}]
["Total number of households in sample",null,null,null,140,120,null,530,640,null,840,1190,null,140,130,null,420,510,190,null,410,170,null,null,2,"Alcoholic drinks, tobacco & narcotics",9.1999999999999993,15.9,7.5,6.6,12.4,11.6,10.7,null,"2","Alcoholic drinks, tobacco and narcotics",9.3000000000000007,15.1,4.7,7.1,11.2,12.3,13.3,null,null,"2","Alcoholic drinks, tobacco and narcotics",-0.10000000000000142,0.80000000000000071,2.8,-0.5,1.2000000000000011,-0.70000000000000107,-2.6000000000000014]
["Total number of persons in sample",null,null,null,140,240,null,530,1290,null,840,2390,null,290,440,null,1270,2040,990,null,1370,850,null,null,3,"Clothing & footwear",11,24,16.899999999999999,23.8,31.4,33.5,31.1,null,"3","Clothing and footwear",9.8000000000000007,25.1,17.899999999999999,24.8,26.2,43.8,34.4,null,null,"3","Clothing and footwear",1.1999999999999993,-1.1000000000000014,-1,-1,5.1999999999999993,-10.299999999999997,-3.2999999999999972]
["Total number of adults in sample",null,null,null,140,240,null,530,1290,null,840,2390,null,140,130,null,850,1020,370,null,1370,570,null,null,4,"Housing(net)2, fuel & power",74,92.3,99.4,94.4,99.9,98,102.2,null,"4","Housing(net)2, fuel and power",70.3,84.1,85.2,63.3,86,89.1,100.6,null,null,"4","Housing(net)2, fuel and power",3.7000000000000028,8.2000000000000028,14.200000000000003,31.100000000000009,13.900000000000006,8.9000000000000057,1.6000000000000085]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,"Household goods & services",19.100000000000001,42.5,21.9,21.2,50.7,46.7,49.7,null,"5","Household goods and services",26.9,49.5,35.6,23.5,53.3,46.7,51.2,null,null,"5","Household goods and services",-7.7999999999999972,-7,-13.700000000000003,-2.3000000000000007,-2.5999999999999943,0,-1.5]
["Weighted average number of persons per household",null,null,null,1,2,null,1,2,null,1,2,null,2,3.4,null,3,4,5.2,null,3.4,5,null,null,6,"Health",5.3,10.5,2.5,3.1,5.3,7.1,7.2,null,"6","Health",5.5,7.1,1.3,4.2,5.4,5.9,6.6,null,null,"6","Health",-0.20000000000000018,3.4000000000000004,1.2,-1.1000000000000001,-0.10000000000000053,1.1999999999999993,0.60000000000000053]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7,"Transport",45.2,101,38.6,43.1,100.6,115.8,106.6,null,"7","Transport",45.3,97.7,44.7,40.4,93.8,118.4,93.6,null,null,"7","Transport",-9.9999999999994316E-2,3.2999999999999972,-6.1000000000000014,2.7000000000000028,6.7999999999999972,-2.6000000000000085,13]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,8,"Communication",13.6,23.8,15.5,17.8,25.6,25.7,27,null,"8","Communication",11.6,19.600000000000001,14.8,15.5,21.3,22.6,23.8,null,null,"8","Communication",2,4.1999999999999993,0.69999999999999929,2.3000000000000007,4.3000000000000007,3.0999999999999979,3.1999999999999993]
["Commodity or service",null,null,null,null,"Average weekly household expenditure (£)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,"Recreation & culture",33.700000000000003,87.4,37.700000000000003,42.1,80.400000000000006,103.2,83.2,null,"9","Recreation and culture",41.5,86.8,38.4,48.6,67.8,104.7,91.6,null,null,"9","Recreation and culture",-7.7999999999999972,0.60000000000000853,-0.69999999999999574,-6.5,12.600000000000009,-1.5,-8.3999999999999915]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,"Education","[1.40]",2.7,"[10.70]","[4.20]",5.3,13.6,17.3,null,"10","Education",6.1,5.5,8.8000000000000007,8.1999999999999993,14.2,15.9,23.6,null,null,"10","Education",null,{"$f":"AB23-AL23","v":-2.8},null,null,{"$f":"AE23-AO23","v":-8.8999999999999986},-2.3000000000000007,-6.3000000000000007]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,11,"Restaurants & hotels",27.1,63.3,21.7,31.7,61.6,74.3,61,null,"11","Restaurants and hotels",27.7,63.6,25.6,27.7,52.4,65.7,62.7,null,null,"11","Restaurants and hotels",{"$f":"AA24-AK24","v":-0.59999999999999787},{"$f":"AB24-AL24","v":-0.30000000000000426},{"$f":"AC24-AM24","v":-3.9000000000000021},{"$f":"AD24-AN24","v":4},9.2000000000000028,8.5999999999999943,-1.7000000000000028]
[1,"Food & non-alcoholic drinks",null,null,34,64.400000000000006,null,34.4,67.5,null,32.5,63.5,null,41.1,55,null,71.7,88.2,103.9,null,97.9,105.4,null,null,12,"Miscellaneous goods & services",27.4,47.5,29.6,28,60.8,64.900000000000006,58.9,null,"12","Miscellaneous goods and services",21.1,46.5,29.6,26,55.6,63.9,48.5,null,null,"12","Miscellaneous goods and services",{"$f":"AA25-AK25","v":6.2999999999999972},{"$f":"AB25-AL25","v":1},{"$f":"AC25-AM25","v":0},{"$f":"AD25-AN25","v":2},5.1999999999999957,1.0000000000000071,10.399999999999999]
[]
[2,"Alcoholic drinks, tobacco & narcotics",null,null,6.3,11.8,null,6.3,13.4,null,9.1999999999999993,15.9,null,7.5,6.6,null,12.4,11.6,10.7,null,24.6,17.3,null,null,"1-12","All expenditure groups",299.39999999999998,574.4,342.9,371,605.70000000000005,682.7,658.8,null,"1-12","All expenditure groups",306.39999999999998,561.29999999999995,347.1,346.5,556.4,672.5,638.6,null,null,"1-12","All expenditure groups",{"$f":"AA27-AK27","v":-7},13.100000000000023,-4.2000000000000455,24.5,49.300000000000068,10.200000000000045,20.199999999999932]
[]
[3,"Clothing & footwear",null,null,7.9,9.5,null,8,19.100000000000001,null,11,24,null,16.899999999999999,23.8,null,31.4,33.5,31.1,null,40.1,55.3,null,null,13,"Other expenditure items",57.2,90.1,39.799999999999997,37.1,102.6,118.5,113.9,null,"13","Other expenditure items",47.1,99.8,42.6,40.6,97.8,110.6,103.3,null,null,"13","Other expenditure items",{"$f":"AA29-AK29","v":10.100000000000001},-9.7000000000000028,-2.8000000000000043,-3.5,4.7999999999999972,7.9000000000000057,10.600000000000009]
[]
[4,"Housing(net)2, fuel & power",null,null,46.3,46.9,null,46.4,53,null,74,92.3,null,99.4,94.4,null,99.9,98,102.2,null,119,92.3,null,null,"Total expenditure",null,356.6,664.5,382.8,408.1,708.3,801.2,772.7,null,"Total expenditure",null,353.5,661.1,389.7,387,654.20000000000005,783.1,741.9,null,null,"Total expenditure",null,{"$f":"AA31-AK31","v":3.1000000000000227},3.3999999999999773,-6.8999999999999773,21.100000000000023,54.099999999999909,18.100000000000023,30.800000000000068]
[]
[5,"Household goods & services",null,null,13.7,33.200000000000003,null,16.899999999999999,39.700000000000003,null,19.100000000000001,42.5,null,21.9,21.2,null,50.7,46.7,49.7,null,51.7,48.7]
[]
[6,"Health",null,null,3.1,7.5,null,9.3000000000000007,12.2,null,5.3,10.5,null,2.5,3.1,null,5.3,7.1,7.2,null,11,6.2]
[]
[7,"Transport",null,null,17.7,41.7,null,25,63.2,null,45.2,101,null,38.6,43.1,null,100.6,115.8,106.6,null,137.19999999999999,146.4]
[]
[8,"Communication",null,null,10.9,16.8,null,12.5,18.7,null,13.6,23.8,null,15.5,17.8,null,25.6,25.7,27,null,31.1,36.4]
[]
[9,"Recreation & culture",null,null,31.3,58.3,null,42.5,99.7,null,33.700000000000003,87.4,null,37.700000000000003,42.1,null,80.400000000000006,103.2,83.2,null,108.9,97.5]
[]
[10,"Education",null,null,"..",":",null,"..","..",null,"[1.40]",2.7,null,"[10.70]","[4.20]",null,5.3,13.6,17.3,null,6.7,11.1]
[]
[11,"Restaurants & hotels",null,null,11.7,29.1,null,18.100000000000001,50.4,null,27.1,63.3,null,21.7,31.7,null,61.6,74.3,61,null,93.9,90.2]
[]
[12,"Miscellaneous goods & services",null,null,42.8,25.9,null,22.3,45.5,null,27.4,47.5,null,29.6,28,null,60.8,64.900000000000006,58.9,null,62.4,71.2]
[]
[]
["1-12","All expenditure groups",null,null,225.7,345.1,null,241.7,483.4,null,299.39999999999998,574.4,null,342.9,371,null,605.70000000000005,682.7,658.8,null,784.4,778]
[]
[]
[13,"Other expenditure items",null,null,31.3,40.1,null,33,67.8,null,57.2,90.1,null,39.799999999999997,37.1,null,102.6,118.5,113.9,null,110.4,107.8]
[]
[]
["Total expenditure",null,null,null,257,385.2,null,274.7,551.1,null,356.6,664.5,null,382.8,408.1,null,708.3,801.2,772.7,null,894.8,885.8]
[]
[]
["Average weekly expenditure per person (£)"]
["Total expenditure",null,null,null,257,192.6,null,274.7,275.60000000000002,null,356.6,332.3,null,191.4,118.6,null,236.1,200.3,147.9,null,259.8,177.3]
[]
[]
["Note: The commodity and service categories are not comparable to those in publications before 2001-02."]
["Please see background notes for symbols and conventions used in this report."]
["1 Mainly dependent on state pensions and not economically active."]
["2 Excluding mortgage interest payments, council tax and Northern Ireland rates."]
[]
[]
["Source: Office for National Statistics"]

{"sheet":"ONS 2016","index":15,"n_rows":69,"n_cols":18,"rows_kept":69,"cut":false,"hidden":true,"merged":[[21,6,21,16]]}
["Table A23"]
["Expenditure by household composition"]
["UK, financial year ending 2016"]
[]
[]
[null,null,null,null,null,"Retired households",null,null,null,"Non-retired",null,"Retired and non-retired households"]
[null,null,null,null,null,"State pension1",null,"Other retired",null,"One","Two","One adult",null,"Two adults",null,null,"Three or more adults"]
[null,null,null,null,null,"One","Two ","One","Two","person","adults","with","with","with","with","with","without","with"]
[null,null,null,null,null,"person","adults","person","adults"," ",null,"one","two","one","two","three","children","children"]
[null,null,null,null,null,null,null,null,null,null,null,"child","or more","child","children","or more"]
[null,null,null,null,null,null,null,null,null,null,null,null,"children",null,null,"children"]
[]
[]
["Weighted number of households (thousands)",null,null,null,null,740,450,2660,2830,4380,5860,670,580,2270,2340,960,2460,1040]
["Total number of households in sample",null,null,null,null,120,90,460,570,770,1060,130,130,400,460,200,370,160]
["Total number of persons in sample",null,null,null,null,120,190,460,1140,770,2130,270,440,1210,1820,1070,1240,770]
["Total number of adults in sample",null,null,null,null,120,190,460,1140,770,2130,130,130,810,910,400,1240,540]
[]
["Weighted average number of persons per household",null,null,null,null,1,2,1,2,1,2,2,3.4,3,4,5.3,3.4,4.9000000000000004]
[]
[]
["Commodity or service",null,null,null,null,null,"Average weekly household expenditure (£)"]
[]
[]
["1","Food and non-alcoholic drinks",null,null,null,25.4,51.4,32.700000000000003,63.2,29,56.8,42.5,55.4,65.3,81.400000000000006,86.1,82.2,93.1]
[]
["2","Alcoholic drinks, tobacco and narcotics",null,null,null,4.3,9.4,6.6,11.3,8.6999999999999993,13.8,6,7.5,10.9,12.5,11.3,17.7,16.5]
[]
["3","Clothing and footwear",null,null,null,4.5,12.4,7.8,18.2,8.5,25.8,21,22.9,29.6,32.799999999999997,39.299999999999997,44.9,48]
[]
["4","Housing(net)2, fuel and power",null,null,null,43.9,52.4,40.4,55.1,66.3,85.8,71.599999999999994,72.7,88.1,80.3,89.2,91.2,70.3]
[]
["5","Household goods and services",null,null,null,13.6,23.1,21.8,36.5,19.2,42.8,23.7,23.6,45.2,48.3,53.5,47.2,35.6]
[]
["6","Health",null,null,null,3.3,3.8,5.0999999999999996,13.8,3.4,9.1,1.1000000000000001,2.8,4.4000000000000004,10,4.0999999999999996,10.3,5.7]
[]
["7","Transport",null,null,null,9,34.5,28,63.8,36.200000000000003,95,30.4,32.1,92,102.9,91.1,119.1,115.6]
[]
["8","Communication",null,null,null,6.3,10.4,8.5,12.4,10.4,17.5,12.3,17.5,21.3,20.7,22.9,22.4,27.3]
[]
["9","Recreation and culture",null,null,null,18.3,47.9,32,84.6,32.5,85.4,39.5,46.9,73.5,93.6,95.1,89,95.9]
[]
["10","Education",null,null,null,"-","-",0.1,1.1000000000000001,1.1000000000000001,7.7,2.2000000000000002,12.5,9.9,17.2,23.5,14.2,9.1999999999999993]
[]
["11","Restaurants and hotels",null,null,null,7.6,23.7,15.8,43.3,24.1,58.1,21.4,35.5,48.2,58.5,55.3,79.400000000000006,70.2]
[]
["12","Miscellaneous goods and services",null,null,null,13.3,18.8,24.8,38.4,18.3,40.5,25.7,35,56.1,65.2,56.5,52.4,67]
[]
[]
["1-12","All expenditure groups",null,null,null,149.5,287.89999999999998,223.5,441.7,257.7,538.29999999999995,297.5,364.5,544.29999999999995,623.29999999999995,627.79999999999995,669.9,654.5]
[]
[]
["13","Other expenditure items",null,null,null,16.600000000000001,27.7,36.4,57,50.8,86.5,27.4,31.7,88.2,114.7,125.6,88.8,141.69999999999999]
[]
[]
["Total expenditure",null,null,null,null,166.2,315.7,260,498.7,308.5,624.70000000000005,324.89999999999998,396.3,632.5,738,753.4,758.8,796.2]
[]
[]
["Average weekly expenditure per person (£)"]
["Total expenditure",null,null,null,null,166.2,157.80000000000001,260,249.3,308.5,312.39999999999998,162.4,116.7,210.8,184.5,141.1,220.3,163.9]
[]
[]
["Note: The commodity and service categories are not comparable to those in publications before 2001-02."]
["Please see background notes for symbols and conventions used in this report."]
["1 Mainly dependent on state pensions and not economically active - see definitions in technical report."]
["2 Excluding mortgage interest payments, council tax and Northern Ireland rates."]
[]
[]
["Source: Office for National Statistics"]

{"sheet":"ONS 2018","index":16,"n_rows":55,"n_cols":27,"rows_kept":55,"cut":false,"hidden":true,"merged":[[21,6,21,16]]}
["Table A23"]
["Expenditure by household composition"]
["UK, financial year ending 2018"]
[]
[]
[null,null,null,null,null,"Retired households",null,null,null,"Non-retired",null,"Retired and non-retired households"]
[null,null,null,null,null,"State pension1",null,"Other retired",null,"One","Two","One adult",null,"Two adults",null,null,"Three or more adults",null,null,null,"One","Two","One adult",null,"Two adults"]
[null,null,null,null,null,"One","Two ","One","Two","person","adults","with","with","with","with","with","without","with",null,null,"person","adults","with","with","with","with","with"]
[null,null,null,null,null,"person","adults","person","adults"," ",null,"one","two","one","two","three","children","children",null,null," ",null,"one","two","one","two","three"]
[null,null,null,null,null,null,null,null,null,null,null,"child","or more","child","children","or more",null,null,null,null,null,null,"child","or more","child","children","or more"]
[null,null,null,null,null,null,null,null,null,null,null,null,"children",null,null,"children",null,null,null,null,null,null,null,"children",null,null,"children"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1","Food and non-alcoholic drinks",31.4,60.8,40.5,57.1,69.3,83.4,88.6]
["Weighted number of households (thousands)",null,null,null,null,750,440,2770,2780,3870,5890,680,610,2230,2650,740,2460,1290,"2","Alcoholic drinks, tobacco and narcotics",9.3000000000000007,15.1,4.7,7.1,11.2,12.3,13.3]
["Total number of households in sample",null,null,null,null,130,100,510,630,800,1190,140,140,440,540,160,410,210,"3","Clothing and footwear",9.8000000000000007,25.1,17.899999999999999,24.8,26.2,43.8,34.4]
["Total number of persons in sample",null,null,null,null,130,210,510,1260,800,2380,280,480,1310,2150,840,1380,1030,"4","Housing(net)2, fuel and power",70.3,84.1,85.2,63.3,86,89.1,100.6]
["Total number of adults in sample",null,null,null,null,130,210,510,1260,800,2380,140,140,880,1080,320,1380,710,"5","Household goods and services",26.9,49.5,35.6,23.5,53.3,46.7,51.2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"6","Health",5.5,7.1,1.3,4.2,5.4,5.9,6.6]
["Weighted average number of persons per household",null,null,null,null,1,2,1,2,1,2,2,3.4,3,4,5.3,3.4,5,"7","Transport",45.3,97.7,44.7,40.4,93.8,118.4,93.6]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8","Communication",11.6,19.600000000000001,14.8,15.5,21.3,22.6,23.8]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"9","Recreation and culture",41.5,86.8,38.4,48.6,67.8,104.7,91.6]
["Commodity or service",null,null,null,null,null,"Average weekly household expenditure (£)",null,null,null,null,null,null,null,null,null,null,null,"10","Education",6.1,5.5,8.8000000000000007,8.1999999999999993,14.2,15.9,23.6]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"11","Restaurants and hotels",27.7,63.6,25.6,27.7,52.4,65.7,62.7]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"12","Miscellaneous goods and services",21.1,46.5,29.6,26,55.6,63.9,48.5]
["1","Food and non-alcoholic drinks",null,null,null,27.9,58.1,33.700000000000003,64.5,31.4,60.8,40.5,57.1,69.3,83.4,88.6,83.3,108.8]
["2","Alcoholic drinks, tobacco and narcotics",null,null,null,6.7,10.6,6,14,9.3000000000000007,15.1,4.7,7.1,11.2,12.3,13.3,21.2,15.9,"1-12","All expenditure groups",306.39999999999998,561.29999999999995,347.1,346.5,556.4,672.5,638.6]
["3","Clothing and footwear",null,null,null,5.8,10.1,7.3,18.899999999999999,9.8000000000000007,25.1,17.899999999999999,24.8,26.2,43.8,34.4,38.700000000000003,55.5]
["4","Housing(net)2, fuel and power",null,null,null,43.8,45.8,41.5,53.1,70.3,84.1,85.2,63.3,86,89.1,100.6,105.1,98.8,"13","Other expenditure items",47.1,99.8,42.6,40.6,97.8,110.6,103.3]
["5","Household goods and services",null,null,null,11,33.6,22.5,39,26.9,49.5,35.6,23.5,53.3,46.7,51.2,50.2,56.1]
["6","Health",null,null,null,2.9,7,3.5,11.5,5.5,7.1,1.3,4.2,5.4,5.9,6.6,9.3000000000000007,14.2,"Total expenditure",null,353.5,661.1,389.7,387,654.20000000000005,783.1,741.9]
["7","Transport",null,null,null,14.2,38.200000000000003,23.3,66.3,45.3,97.7,44.7,40.4,93.8,118.4,93.6,136.1,143.9]
["8","Communication",null,null,null,7.6,11.6,9.5,14.6,11.6,19.600000000000001,14.8,15.5,21.3,22.6,23.8,25.2,32]
["9","Recreation and culture",null,null,null,21.1,58.9,39,92.4,41.5,86.8,38.4,48.6,67.8,104.7,91.6,99.8,116]
["10","Education",null,null,null,":",":","..",1.4,6.1,5.5,8.8000000000000007,8.1999999999999993,14.2,15.9,23.6,22.8,12.2]
["11","Restaurants and hotels",null,null,null,11.5,28.1,17.7,43.6,27.7,63.6,25.6,27.7,52.4,65.7,62.7,79.599999999999994,83.7]
["12","Miscellaneous goods and services",null,null,null,16.600000000000001,26.5,30.2,42.1,21.1,46.5,29.6,26,55.6,63.9,48.5,56.7,75.7]
[]
["1-12","All expenditure groups",null,null,null,169.2,328.6,234.6,461.3,306.39999999999998,561.29999999999995,347.1,346.5,556.4,672.5,638.6,727.9,812.8]
[]
["13","Other expenditure items",null,null,null,23,36.1,37.5,65.8,47.1,99.8,42.6,40.6,97.8,110.6,103.3,88.9,97.3]
[]
["Total expenditure",null,null,null,null,192.2,364.7,272.10000000000002,527.1,353.5,661.1,389.7,387,654.20000000000005,783.1,741.9,816.8,910]
[]
[]
["Average weekly expenditure per person (£)"]
["Total expenditure",null,null,null,null,192.2,182.3,272.10000000000002,263.5,353.5,330.5,194.8,113,218.1,195.8,140.69999999999999,239.4,181.8]
[]
[]
["Note: The commodity and service categories are not comparable to those in publications before 2001-02."]
["Please see background notes for symbols and conventions used in this report."]
["1 Mainly dependent on state pensions and not economically active - see definitions in technical report."]
["2 Excluding mortgage interest payments, council tax and Northern Ireland rates."]
[]
[]
["Source: Office for National Statistics"]

{"sheet":"ONS expenditure breakdown A1","index":17,"n_rows":873,"n_cols":20,"rows_kept":873,"cut":false,"hidden":true,"merged":[[329,3,329,5],[334,3,334,5],[15,10,15,11]]}
["Table A1"]
["Components of household expenditure"]
["UK, financial year ending 2016"]
[]
[null,null,null,null,null,null,"Average weekly","Total","Recording","Percentage"]
[null,null,null,null,null,null,"expenditure","weekly","house-","standard "]
[null,null,null,null,null,null,"all house-","expenditure","holds","error (full"]
[null,null,null,null,null,null,"holds (£)","(£ million)","in sample","method)"]
[]
[]
["Total number of households",null,null,null,null,null,null,null,4920]
[]
[]
["Commodity or service",null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,1,"Non Essential / Not required for basic standard of living","Total","% considered non -essential","Essential / Basic standard of living ","Esesential or Basic cost of living","Notes"]
[null,null,null,null,null,null,null,null,null,null,"ONS Category",null,"Non Essential / Not required for basic standard of living","Total","% considered non -essential","Essential / Basic standard of living ","Esesential or Basic cost of living","Notes",null,"% of Sample reporting this category of Expense"]
["1","Food and non-alcoholic drinks",null,null,null,null,56.8,1547,4890,0.9,1,{"$f":"B17","v":"Food and non-alcoholic drinks"},0,{"$f":"G17","v":56.8},0,1,"Essential",null,null,{"$f":"I17/$I$11","v":0.99390243902439024}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"I18/$I$11","v":0}]
[1.1000000000000001,"Food ",null,null,null,null,52.2,1421,4880,1,null,{"$f":"B19","v":"Food "},0,null,null,null,null,null,null,0.99186991869918695]
[null,"1.1.1","Bread, rice and cereals",null,null,null,5.2,141,4770,1.2,null,null,null,null,null,null,null,null,null,0.96951219512195119]
[null,null,"1.1.1.1","Rice",null,null,0.4,12,1350,5.4,null,null,null,null,null,null,null,null,null,0.27439024390243905]
[null,null,"1.1.1.2","Bread",null,null,2.4,66,4580,1.2,null,null,null,null,null,null,null,null,null,0.93089430894308944]
[null,null,"1.1.1.3","Other breads and cereals",null,null,2.2999999999999998,63,3990,1.5,null,null,null,null,null,null,null,null,null,0.81097560975609762]
[null,"1.1.2","Pasta products",null,null,null,0.4,11,2000,2.7,null,null,null,null,null,null,null,null,null,0.4065040650406504]
[null,"1.1.3","Buns, cakes, biscuits etc",null,null,null,3.6,98,4380,1.5,null,null,null,null,null,null,null,null,null,0.8902439024390244]
[null,null,"1.1.3.1","Buns, crispbread and biscuits",null,null,2.2000000000000002,60,4070,1.6,null,null,null,null,null,null,null,null,null,0.82723577235772361]
[null,null,"1.1.3.2","Cakes and puddings",null,null,1.4,38,3170,2.1,null,null,null,null,null,null,null,null,null,0.64430894308943087]
[null,"1.1.4","Pastry (savoury)",null,null,null,0.8,23,1900,2.6,null,null,null,null,null,null,null,null,null,0.38617886178861788]
[null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,0]
[null,"1.1.5","Beef (fresh, chilled or frozen)",null,null,null,1.9,53,2190,2.7,null,null,null,null,null,null,null,null,null,0.4451219512195122]
[null,"1.1.6","Pork (fresh, chilled or frozen)",null,null,null,0.6,16,1090,3.9,null,null,null,null,null,null,null,null,null,0.22154471544715448]
[null,"1.1.7","Lamb (fresh, chilled or frozen)",null,null,null,0.7,19,730,6,null,null,null,null,null,null,null,null,null,0.1483739837398374]
[null,"1.1.8","Poultry (fresh, chilled or frozen)",null,null,null,2.1,58,2570,2.1,null,null,null,null,null,null,null,null,null,0.52235772357723576]
[null,"1.1.9","Bacon and ham",null,null,null,0.9,24,2130,2.6,null,null,null,null,null,null,null,null,null,0.43292682926829268]
[null,"1.1.10","Other meats and meat preparations",null,null,null,6,164,4330,1.5,null,null,null,null,null,null,null,null,null,0.88008130081300817]
[null,null,"1.1.10.1","Sausages",null,null,0.8,23,2170,2.5,null,null,null,null,null,null,null,null,null,0.44105691056910568]
[null,null,"1.1.10.2","Offal, pate etc",null,null,0.1,3,590,5.9,null,null,null,null,null,null,null,null,null,0.11991869918699187]
[null,null,"1.1.10.3","Other preserved or processed meat and meat preparations",null,null,5.0999999999999996,138,4180,1.7,null,null,null,null,null,null,null,null,null,0.84959349593495936]
[null,null,"1.1.10.4","Other fresh, chilled or frozen edible meat",null,null,0,0,20,22,null,null,null,null,null,null,null,null,null,4.0650406504065045E-3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"1.1.11","Fish and fish products",null,null,null,2.6,71,3170,2.2000000000000002,null,null,null,null,null,null,null,null,null,0.64430894308943087]
[null,null,"1.1.11.1","Fish (fresh, chilled or frozen)",null,null,0.8,22,1230,3.9,null,null,null,null,null,null,null,null,null,0.25]
[null,null,"1.1.11.2","Seafood, dried, smoked or salted fish",null,null,0.6,17,1110,4.2,null,null,null,null,null,null,null,null,null,0.22560975609756098]
[null,null,"1.1.11.3","Other preserved or processed fish and seafood",null,null,1.2,32,2470,2.4,null,null,null,null,null,null,null,null,null,0.50203252032520329]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"1.1.12","Milk",null,null,null,2.1,58,4470,1.8,null,null,null,null,null,null,null,null,null,0.90853658536585369]
[null,null,"1.1.12.1","Whole milk",null,null,0.4,11,1250,3.8,null,null,null,null,null,null,null,null,null,0.25406504065040653]
[null,null,"1.1.12.2","Low fat milk",null,null,1.4,39,3830,1.7,null,null,null,null,null,null,null,null,null,0.77845528455284552]
[null,null,"1.1.12.3","Preserved milk",null,null,0.3,8,330,9.1999999999999993,null,null,null,null,null,null,null,null,null,6.7073170731707321E-2]
[null,"1.1.13","Cheese and curd",null,null,null,1.9,51,3540,1.8,null,null,null,null,null,null,null,null,null,0.71951219512195119]
[null,"1.1.14","Eggs",null,null,null,0.7,18,2900,1.9,null,null,null,null,null,null,null,null,null,0.58943089430894313]
[null,"1.1.15","Other milk products",null,null,null,2.1,56,3780,1.7,null,null,null,null,null,null,null,null,null,0.76829268292682928]
[null,null,"1.1.15.1","Other milk products",null,null,0.9,26,2840,2.2000000000000002,null,null,null,null,null,null,null,null,null,0.57723577235772361]
[null,null,"1.1.15.2","Yoghurt",null,null,1.1000000000000001,30,2790,2.1,null,null,null,null,null,null,null,null,null,0.56707317073170727]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"1.1.16","Butter",null,null,null,0.5,13,1630,3.1,null,null,null,null,null,null,null,null,null,0.33130081300813008]
[null,"1.1.17","Margarine, other vegetable fats and peanut butter",null,null,null,0.4,12,1980,2.2999999999999998,null,null,null,null,null,null,null,null,null,0.40243902439024393]
[null,"1.1.18","Cooking oils and fats",null,null,null,0.4,10,1140,13.9,null,null,null,null,null,null,null,null,null,0.23170731707317074]
[null,null,"1.1.18.1","Olive oil",null,null,0.1,4,430,6.2,null,null,null,null,null,null,null,null,null,8.7398373983739841E-2]
[null,null,"1.1.18.2","Edible oils and other edible animal fats",null,null,0.2,6,810,21,null,null,null,null,null,null,null,null,null,0.16463414634146342]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"1.1.19","Fresh fruit",null,null,null,3.6,98,4150,1.7,null,null,null,null,null,null,null,null,null,0.8434959349593496]
[null,null,"1.1.19.1","Citrus fruits (fresh)",null,null,0.5,15,2240,2.7,null,null,null,null,null,null,null,null,null,0.45528455284552843]
[null,null,"1.1.19.2","Bananas (fresh)",null,null,0.5,13,3030,1.9,null,null,null,null,null,null,null,null,null,0.61585365853658536]
[null,null,"1.1.19.3","Apples (fresh)",null,null,0.6,15,2250,2.2999999999999998,null,null,null,null,null,null,null,null,null,0.45731707317073172]
[null,null,"1.1.19.4","Pears (fresh)",null,null,0.1,4,820,4.0999999999999996,null,null,null,null,null,null,null,null,null,0.16666666666666666]
[null,null,"1.1.19.5","Stone fruits (fresh)",null," ",0.5,15,1680,3.7,null,null,null,null,null,null,null,null,null,0.34146341463414637]
[null,null,"1.1.19.6","Berries (fresh)",null," ",1.4,37,2610,2.2000000000000002,null,null,null,null,null,null,null,null,null,0.53048780487804881]
[null,"1.1.20","Other fresh, chilled or frozen fruits",null,null,null,0.4,11,1440,3.4,null,null,null,null,null,null,null,null,null,0.29268292682926828]
[null,"1.1.21","Dried fruit and nuts",null,null,null,0.7,20,1770,3.3,null,null,null,null,null,null,null,null,null,0.3597560975609756]
[null,"1.1.22","Preserved fruit and fruit based products",null,null,null,0.2,4,780,4.9000000000000004,null,null,null,null,null,null,null,null,null,0.15853658536585366]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"1.1.23","Fresh vegetables",null,null,null,4.0999999999999996,111,4450,1.6,null,null,null,null,null,null,null,null,null,0.90447154471544711]
[null,null,"1.1.23.1","Leaf and stem vegetables (fresh or chilled)",null,null,0.9,25,3170,2.2999999999999998,null,null,null,null,null,null,null,null,null,0.64430894308943087]
[null,null,"1.1.23.2","Cabbages (fresh or chilled)",null,null,0.4,10,2250,2.4,null,null,null,null,null,null,null,null,null,0.45731707317073172]
[null,null,"1.1.23.3","Vegetables grown for their fruit (fresh, chilled or frozen)",null,null,1.4,38,3720,1.7,null,null,null,null,null,null,null,null,null,0.75609756097560976]
[null,null,"1.1.23.4","Root crops, non-starchy bulbs and mushrooms (fresh, chilled or frozen)",null,null,1.4,39,3980,2,null,null,null,null,null,null,null,null,null,0.80894308943089432]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Note: The commodity and service categories are not comparable with those in publications before 2001-02.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["The numbering is sequential, it does not use actual COICOP codes.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Please see background notes for symbols and conventions used in this report.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"I82/$I$11","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Table A1",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Components of household expenditure (cont)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["UK, financial year ending 2016",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,"Average weekly","Total","Recording","Percentage",null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,"expenditure","weekly","house-","standard ",null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,"all house-","expenditure","holds","error (full",null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,"holds (£)","(£ million)","in sample","method)",null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Commodity or service",null,null,null,null," ",null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[1,"Food and non-alcoholic drinks (continued)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"1.1.24","Dried vegetables",null,null,null,0.1,1,250,9.1,null,null,null,null,null,null,null,null,null,5.08130081300813E-2]
[null,"1.1.25","Other preserved or processed vegetables",null,null,null,1.4,39,3570,2,null,null,null,null,null,null,null,null,null,0.72560975609756095]
[null,"1.1.26","Potatoes",null,null,null,0.8,22,3060,1.8,null,null,null,null,null,null,null,null,null,0.62195121951219512]
[null,"1.1.27","Other tubers and products of tuber vegetables",null,null,null,1.6,43,3530,1.6,null,null,null,null,null,null,null,null,null,0.71747967479674801]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"1.1.28","Sugar and sugar products",null,null,null,0.4,10,1690,3.2,null,null,null,null,null,null,null,null,null,0.3434959349593496]
[null,null,"1.1.28.1","Sugar",null,null,0.2,6,1330,3.8,null,null,null,null,null,null,null,null,null,0.27032520325203252]
[null,null,"1.1.28.2","Other sugar products",null,null,0.2,4,600,5.2,null,null,null,null,null,null,null,null,null,0.12195121951219512]
[null,"1.1.29","Jams, marmalades",null,null,null,0.3,8,1370,4.7,null,null,null,null,null,null,null,null,null,0.27845528455284552]
[null,"1.1.30","Chocolate",null,null,null,1.9,53,3170,3.1,null,null,null,null,null,null,null,null,null,0.64430894308943087]
[null,"1.1.31","Confectionery products",null,null,null,0.7,20,2350,2.7,null,null,null,null,null,null,null,null,null,0.47764227642276424]
[null,"1.1.32","Edible ices and ice cream",null,null,null,0.6,16,1670,2.9,null,null,null,null,null,null,null,null,null,0.33943089430894308]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"1.1.33","Other food products",null,null,null,2.5,68,4040,1.9,null,null,null,null,null,null,null,null,null,0.82113821138211385]
[null,null,"1.1.33.1","Sauces, condiments",null,null,1.2,33,3280,1.8,null,null,null,null,null,null,null,null,null,0.66666666666666663]
[null,null,"1.1.33.2","Baker's yeast, dessert preparations, soups",null,null,1,28,2610,3.7,null,null,null,null,null,null,null,null,null,0.53048780487804881]
[null,null,"1.1.33.3","Salt, spices, culinary herbs and other food products",null,null,0.3,7,1130,4.9000000000000004,null,null,null,null,null,null,null,null,null,0.22967479674796748]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[1.2,"Non-alcoholic drinks",null,null,null,null,4.5999999999999996,126,4380,1.5,null,{"$f":"B120","v":"Non-alcoholic drinks"},0,null,null,null,null,null,null,0.8902439024390244]
[null,"1.2.1","Coffee",null,null,null,0.9,24,1630,3.5,null,null,null,null,null,null,null,null,null,0.33130081300813008]
[null,"1.2.2","Tea",null,null,null,0.5,13,1520,3.3,null,null,null,null,null,null,null,null,null,0.30894308943089432]
[null,"1.2.3","Cocoa and powdered chocolate",null,null,null,0.1,3,440,5.7,null,null,null,null,null,null,null,null,null,8.943089430894309E-2]
[null,"1.2.4","Fruit and vegetable juices",null,null,null,1,28,2610,2.2000000000000002,null,null,null,null,null,null,null,null,null,0.53048780487804881]
[null,"1.2.5","Mineral or spring waters",null,null,null,0.3,9,1320,4,null,null,null,null,null,null,null,null,null,0.26829268292682928]
[null,"1.2.6","Soft drinks (inc. fizzy and ready to drink fruit drinks)",null,null,null,1.8,50,3090,2.2000000000000002,null,null,null,null,null,null,null,null,null,0.62804878048780488]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[2,"Alcoholic drink, tobacco and narcotics",null,null,null,null,11.4,309,3010,2.2999999999999998,2,{"$f":"B129","v":"Alcoholic drink, tobacco and narcotics"},{"$f":"SUM(M131:M151)","v":6.468},{"$f":"G129","v":11.4},{"$f":"(M129/N129)","v":0.56736842105263152},0.4,"Basic "," Wouldn’t consider 100% essential, only 60% of households recorded spending on alcohol and 16% on tobacco and narcotics so have used this as basis for quantification to get 43% and then rounded down to 40% as expectation would be to reduce if in financial hardship",null,0.61178861788617889]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[2.1,"Alcoholic drinks",null,null,null,null,7.8,211,2660,2.4,null,{"$f":"B131","v":"Alcoholic drinks"},{"$f":"G131*46%","v":3.5880000000000001},null,null,null,null,"used % of households recording this expenditure as proxy for calculation (54%)",null,0.54065040650406504]
[null,"2.1.1","Spirits and liqueurs (brought home)",null,null,null,1.7,47,760,4.7,null,null,null,null,null,null,null,null,null,0.15447154471544716]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"2.1.2","Wines, fortified wines (brought home)",null,null,null,4,108,1800,3.4,null,null,null,null,null,null,null,null,null,0.36585365853658536]
[null,null,"2.1.2.1","Wine from grape or other fruit (brought home)",null,null,3.3,91,1630,3.7,null,null,null,null,null,null,null,null,null,0.33130081300813008]
[null,null,"2.1.2.2","Fortified wine (brought home)",null,null,0.2,4,140,12.6,null,null,null,null,null,null,null,null,null,2.8455284552845527E-2]
[null,null,"2.1.2.3","Champagne and sparkling wines (brought home)",null,null,0.5,13,340,7.7,null,null,null,null,null,null,null,null,null,6.910569105691057E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"2.1.3","Beer, lager, ciders and perry (brought home)",null,null,null,2,55,1480,3.5,null,null,null,null,null,null,null,null,null,0.30081300813008133]
[null,null,"2.1.3.1","Beer and lager (brought home)",null,null,1.7,45,1220,3.9,null,null,null,null,null,null,null,null,null,0.24796747967479674]
[null,null,"2.1.3.2","Ciders and perry (brought home)",null,null,0.4,10,470,7,null,null,null,null,null,null,null,null,null,9.5528455284552852E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"2.1.4","Alcopops (brought home)",null,null,null,0,1,80,17.899999999999999,null,null,null,null,null,null,null,null,null,1.6260162601626018E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[2.2000000000000002,"Tobacco and narcotics1",null,null,null,null,3.6,98,790,5.0999999999999996,null,{"$f":"B145","v":"Tobacco and narcotics1"},{"$f":"G145*80%","v":2.8800000000000003},null,null,null,null,"used % of households recording this expenditure as proxy for calculation (16%)",null,0.16056910569105692]
[null,"2.2.1","Cigarettes",null,null,null,2.8,77,640,5.9,null,null,null,null,null,null,null,null,null,{"$f":"I146/$I$11","v":0.13008130081300814}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"2.2.2","Cigars, other tobacco products and narcotics",null,null,null,0.8,21,310,8.1999999999999993,null,null,null,null,null,null,null,null,null,6.3008130081300809E-2]
[null,null,"2.2.2.1","Cigars",null,null,0,1,10,36.1,null,null,null,null,null,null,null,null,null,2.0325203252032522E-3]
[null,null,"2.2.2.2","Other tobacco",null,null,0.7,20,300,8.1,null,null,null,null,null,null,null,null,null,6.097560975609756E-2]
[null,null,"2.2.2.3","Narcotics",null,null,"-","-","-","-",null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["3","Clothing and footwear",null,null,null,null,23.5,638,3220,2.8,3,{"$f":"B154","v":"Clothing and footwear"},{"$f":"SUM(M156:M206)","v":11.75},{"$f":"G154","v":23.5},{"$f":"(M154/N154)","v":0.5},0.5,"Basic ","Only consider 50% as essential for basic quality of life as a) not all the categories would apply and b) in times of financial hardship it is likely thay this could be reduced by 50%",null,0.65447154471544711]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[3.1,"Clothing",null,null,null,null,18.899999999999999,513,3040,3.1,null,{"$f":"B156","v":"Clothing"},{"$f":"G156*50%","v":9.4499999999999993},null,null,null,null,null,null,0.61788617886178865]
[null,"3.1.1","Men's outer garments",null,null,null,4.8,131,960,5.2,null,null,null,null,null,null,null,null,null,0.1951219512195122]
[null,"3.1.2","Men's under garments",null,null,null,0.6,16,420,7.4,null,null,null,null,null,null,null,null,null,8.5365853658536592E-2]
[null,"3.1.3","Women's outer garments",null,null,null,8.3000000000000007,226,1770,4.5999999999999996,null,null,null,null,null,null,null,null,null,0.3597560975609756]
[null,"3.1.4","Women's under garments",null,null,null,1.1000000000000001,30,820,4.8,null,null,null,null,null,null,null,null,null,0.16666666666666666]
[null,"3.1.5","Boys' outer garments (5-15)",null,null,null,0.9,25,370,8.3000000000000007,null,null,null,null,null,null,null,null,null,7.5203252032520332E-2]
[null,"3.1.6","Girls' outer garments (5-15)",null,null,null,1,26,440,7,null,null,null,null,null,null,null,null,null,8.943089430894309E-2]
[null,"3.1.7","Infants' outer garments (under 5)",null,null,null,0.6,17,340,7.8,null,null,null,null,null,null,null,null,null,6.910569105691057E-2]
[null,"3.1.8","Children's under garments (under 16)",null,null,null,0.4,11,430,6.7,null,null,null,null,null,null,null,null,null,8.7398373983739841E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Note: The commodity and service categories are not comparable with those in publications before 2001-02.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["The numbering is sequential, it does not use actual COICOP codes.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Please see background notes for symbols and conventions used in this report.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["1 Changes were made to the recording of e-cigarettes in 2015.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Table A1",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Components of household expenditure (cont)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["UK, financial year ending 2016",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,"Average weekly","Total","Recording","Percentage",null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,"expenditure","weekly","house-","standard ",null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,"all house-","expenditure","holds","error (full",null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,"holds (£)","(£ million)","in sample","method)",null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Commodity or service",null,null,null,null," ",null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["3","Clothing and footwear (continued)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"3.1.9","Accessories",null,null,null,0.7,19,650,7.2,null,null,null,null,null,null,null,null,null,0.13211382113821138]
[null,null,"3.1.9.1","Men's accessories",null,null,0.2,6,230,9.1,null,null,null,null,null,null,null,null,null,4.6747967479674794E-2]
[null,null,"3.1.9.2","Women's accessories",null,null,0.3,9,320,11.9,null,null,null,null,null,null,null,null,null,6.5040650406504072E-2]
[null,null,"3.1.9.3","Children's accessories",null,null,0.1,3,150,13,null,null,null,null,null,null,null,null,null,3.048780487804878E-2]
[null,null,"3.1.9.4","Protective head gear (crash helmets)",null,null,0,1,10,32.1,null,null,null,null,null,null,null,null,null,2.0325203252032522E-3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"3.1.10","Haberdashery, clothing materials and clothing hire",null,null,null,0.2,5,230,11.9,null,null,null,null,null,null,null,null,null,4.6747967479674794E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"3.1.11","Dry cleaners, laundry and dyeing",null,null,null,0.2,6,130,11.5,null,null,null,null,null,null,null,null,null,2.6422764227642278E-2]
[null,null,"3.1.11.1","Dry cleaners and dyeing",null,null,0.2,5,100,13.1,null,null,null,null,null,null,null,null,null,2.032520325203252E-2]
[null,null,"3.1.11.2","Laundry, launderettes",null,null,0,1,30,19.100000000000001,null,null,null,null,null,null,null,null,null,6.0975609756097563E-3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[3.2,"Footwear",null,null,null,null,4.5999999999999996,125,1290,3.8,null,{"$f":"B202","v":"Footwear"},{"$f":"G202*50%","v":2.2999999999999998},null,null,null,null,null,null,0.26219512195121952]
[null,"3.2.1","Footwear for men",null,null,null,1.6,43,380,6.3,null,null,null,null,null,null,null,null,null,7.7235772357723581E-2]
[null,"3.2.2","Footwear for women",null,null,null,2.2000000000000002,59,740,5.2,null,null,null,null,null,null,null,null,null,0.15040650406504066]
[null,"3.2.3","Footwear for children (5 to 15 years) and infants (under 5)",null,null,null,0.8,21,350,7.8,null,null,null,null,null,null,null,null,null,7.113821138211382E-2]
[null,"3.2.4","Repair and hire of footwear",null,null,null,0.1,1,30,24.5,null,null,null,null,null,null,null,null,null,6.0975609756097563E-3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[4,"Housing(net)2, fuel and power",null,null,null,null,72.5,1973,4910,1.7,4,{"$f":"B209","v":"Housing(net)2, fuel and power"},{"$f":"M211+M217+M223+M228","v":35.700000000000003},{"$f":"G209","v":72.5},{"$f":"(M209/N209)","v":0.49241379310344829},0.5,"Essential","For a Mortgage it is not likely that Rent would apply and this category also includes some non essential mainteneance and alternative fuels  which are unlikely to be required in addition to main fuels (Gas & Electricity)",null,0.99796747967479671]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"I210/$I$11","v":0}]
[4.0999999999999996,"Actual rentals for housing",null,null,null,null,48.6,1322,1610,2.6,null,{"$f":"B211","v":"Actual rentals for housing"},{"$f":"SUM(M212:M216)","v":32.5},null,null,null,"Excluded","Exclude net rent - expect to be replaced with Mortgage",null,0.32723577235772355]
[null,"4.1.1","Gross rent",null,null,null,48.3,1316,1600,2.6,null,null,null,null,null,null,null,null,null,0.32520325203252032]
[null,"4.1.2","less housing benefit, rebates and allowances received",null,null,null,15.9,432,970,4.2,null,null,null,null,null,null,null,null,null,0.19715447154471544]
[null,"4.1.3","Net rent3",null,null,null,32.5,884,1330,3.4,null,null,{"$f":"G214","v":32.5},null,null,null,null,null,null,0.27032520325203252]
[null,"4.1.4","Second dwelling - rent",null,null,null,0.2,6,10,34,null,null,null,null,null,null,null,null,null,2.0325203252032522E-3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[4.2,"Maintenance and repair of dwelling",null,null,null,null,7.6,207,1990,6.5,null,{"$f":"B217","v":"Maintenance and repair of dwelling"},{"$f":"SUM(M218:M221)","v":1.9},null,null,null,"Excluded","Exclude non essential maintenace , wall paper, paint, timber and equipment hire",null,0.40447154471544716]
[null,"4.2.1","Central heating repairs",null,null,null,1.1000000000000001,30,1120,7.9,null,null,null,null,null,null,null,null,null,0.22764227642276422]
[null,"4.2.2","House maintenance etc",null,null,null,4.5999999999999996,126,910,9.1,null,null,null,null,null,null,null,null,null,0.18495934959349594]
[null,"4.2.3","Paint, wallpaper, timber",null,null,null,1.2,32,370,9.4,null,null,{"$f":"G220","v":1.2},null,null,null,null,null,null,7.5203252032520332E-2]
[null,"4.2.4","Equipment hire, small materials",null,null,null,0.7,18,350,14.3,null,null,{"$f":"G221","v":0.7},null,null,null,null,null,null,7.113821138211382E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[4.3,"Water supply and miscellaneous services relating to the dwelling",null,null,null,null,8.9,242,4740,1.6,null,{"$f":"B223","v":"Water supply and miscellaneous services relating to the dwelling"},{"$f":"SUM(M224:M227)","v":0.1},null,null,null,"Excluded","Exclude refuse collection - included in Council Tax / skip hire - non essential ",null,0.96341463414634143]
[null,"4.3.1","Water charges",null,null,null,7.4,201,4710,0.7,null,null,null,null,null,null,null,null,null,0.95731707317073167]
[null,"4.3.2","Other regular housing payments including service charge for rent",null,null,null,1.4,39,490,9.3000000000000007,null,null,null,null,null,null,null,null,null,9.959349593495935E-2]
[null,"4.3.3","Refuse collection, including skip hire",null,null,null,0.1,2,30,52.9,null,null,{"$f":"G226","v":0.1},null,null,null,"Excluded","This is included in council tax",null,6.0975609756097563E-3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[4.4000000000000004,"Electricity, gas and other fuels",null,null,null,null,23.3,634,4880,0.9,null,{"$f":"B228","v":"Electricity, gas and other fuels"},{"$f":"SUM(M229:M235)","v":1.2},null,null,null,"Essential","Alternative Fuels unlikely to be required as well as gas and Electricity so this would likely be an either or",null,0.99186991869918695]
[null,"4.4.1","Electricity",null,null,null,11.5,312,4870,1.1000000000000001,null,null,null,null,null,null,null,null,null,0.98983739837398377]
[null,"4.4.2","Gas",null,null,null,10.7,291,4130,1.4,null,null,null,null,null,null,null,null,null,0.83943089430894313]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"4.4.3","Other fuels",null,null,null,1.2,32,320,8.3000000000000007,null,null,{"$f":"G232","v":1.2},null,null,null,"Excluded","Unlikely to be required as well as other fuels",null,6.5040650406504072E-2]
[null,null,"4.4.3.1","Coal and coke",null,null,0.2,4,80,18.899999999999999,null,null,null,null,null,null,null,null,null,1.6260162601626018E-2]
[null,null,"4.4.3.2","Oil for central heating",null,null,0.9,24,220,8.5,null,null,null,null,null,null,null,null,null,4.4715447154471545E-2]
[null,null,"4.4.3.3","Paraffin, wood, peat, hot water etc",null,null,0.1,3,60,27.2,null,null,null,null,null,null,null,null,null,1.2195121951219513E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[5,"Household goods and services ",null,null,null,null,35.5,965,4560,4.0999999999999996,5,{"$f":"B238","v":"Household goods and services "},{"$f":"M240+M250+M282+M294+M300+M307","v":22.9},{"$f":"G238","v":35.5},{"$f":"M238/N238","v":0.64507042253521119},0.45,"Basic ","Given such a small abount being considered required for a basic standard of living ( for clleaning products/ detergent) then this can be added to the Food and Groceries as people are likely to include in here as they are bought in the usual shopping with additional 30% being factored into the surplus income % for furniture and appliances considered to be basic standard of living costs",null,0.92682926829268297]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[5.0999999999999996,"Furniture and furnishings, carpets and other floor coverings",null,null,null,null,21.2,576,2090,6.6,null,{"$f":"B240","v":"Furniture and furnishings, carpets and other floor coverings"},{"$f":"SUM(M241:M248)","v":13.3},null,null,null,"Excluded","Exclude fancy decorative goods, garden furniture, soft and hard floor coverings as in a period of financial hardhip the replacement of such items can be postponed",null,0.42479674796747968]
[null,"5.1.1","Furniture and furnishings",null,null,null,17.399999999999999,473,1870,7.1,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.38008130081300812]
[null,null,"5.1.1.1","Furniture",null,null,15.8,429,1390,7.7,null,null,{"$f":"G242*50%","v":7.9},null,{"$error":"#DIV/0!"},null,null,null,null,0.28252032520325204]
[null,null,"5.1.1.2","Fancy, decorative goods",null,null,1.1000000000000001,31,720,8.1999999999999993,null,null,{"$f":"G243","v":1.1000000000000001},null,{"$error":"#DIV/0!"},null,null,null,null,0.14634146341463414]
[null,null,"5.1.1.3","Garden furniture",null,null,0.5,13,40,38,null,null,{"$f":"G244","v":0.5},null,{"$error":"#DIV/0!"},null,null,null,null,8.130081300813009E-3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,"5.1.2","Floor coverings",null,null,null,3.8,103,600,11.5,null,null,{"$f":"G246","v":3.8},null,{"$error":"#DIV/0!"},null,null,null,null,0.12195121951219512]
[null,null,"5.1.2.1","Soft floor coverings",null,null,3,83,570,8.8000000000000007,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.11585365853658537]
[null,null,"5.1.2.2","Hard floor coverings",null,null,0.7,20,40,46.1,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,8.130081300813009E-3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[5.2,"Household textiles",null,null,null,null,1.9,51,940,7.2,null,{"$f":"B250","v":"Household textiles"},{"$f":"G250","v":1.9},null,null,null,"Excluded","Exclude textiles - replacement could be postponed if needed",null,0.1910569105691057]
[null,"5.2.1","Bedroom textiles, including duvets and pillows",null,null,null,0.8,22,380,8.9,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,7.7235772357723581E-2]
[null,"5.2.2","Other household textiles, including cushions, towels, curtains",null,null,null,1.1000000000000001,29,940,10.3,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.1910569105691057]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
["Note: The commodity and service categories are not comparable with those in publications before 2001-02.",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
["The numbering is sequential, it does not use actual COICOP codes.",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
["Please see background notes for symbols and conventions used in this report.",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
["2 Excluding mortgage interest payments, council tax and Northern Ireland rates.",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
["3 The figure included in total expenditure is net rent as opposed to gross rent.",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
["Table A1",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
["Components of household expenditure (cont)",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
["UK, financial year ending 2016",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,"Average weekly","Total","Recording","Percentage",null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,"expenditure","weekly","house-","standard ",null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,"all house-","expenditure","holds","error (full",null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,{"$f":"I274/$I$11","v":{"$error":"#VALUE!"}}]
[null,null,null,null,null,null,"holds (£)","(£ million)","in sample","method)",null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
["Commodity or service",null,null,null,null," ",null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[5,"Household goods and services (continued) ",null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[5.3,"Household appliances",null,null,null,null,2.4,66,400,8.8000000000000007,null,{"$f":"B282","v":"Household appliances"},null,null,null,null,"Basic","Household appliance considered a requirement for Basic Standard of Living",null,8.1300813008130079E-2]
[null,"5.3.1","Gas cookers",null,null,null,0.1,2,"..",47.8,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,{"$error":"#VALUE!"}]
[null,"5.3.2","Electric cookers, combined gas/electric cookers",null,null,null,0.2,5,30,42,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,6.0975609756097563E-3]
[null,"5.3.3","Clothes washing machines and drying machines",null,null,null,0.4,12,50,22.8,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,1.016260162601626E-2]
[null,"5.3.4","Refrigerators, freezers and fridge-freezers",null,null,null,0.2,5,30,33.5,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,6.0975609756097563E-3]
[null,"5.3.5","Other major electrical appliances, dishwashers, micro-waves",null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,"vacuum cleaners, heaters etc",null,null,null,0.9,23,140,12.7,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,2.8455284552845527E-2]
[null,"5.3.6","Fire extinguisher, water softener, safes etc",null,null,null,0,0,"..",93,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,{"$error":"#VALUE!"}]
[null,"5.3.7","Small electric household appliances, excluding hairdryers",null,null,null,0.5,14,160,14,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,3.2520325203252036E-2]
[null,"5.3.8","Repairs to gas and electrical appliances and spare parts",null,null,null,0.2,5,30,23.1,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,6.0975609756097563E-3]
[null,"5.3.9","Rental/hire of major household appliances",null,null,null,0,0,"..",43.6,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[5.4,"Glassware, tableware and household utensils",null,null,null,null,1.8,48,1570,5.3,null,{"$f":"B294","v":"Glassware, tableware and household utensils"},{"$f":"G294","v":1.8},null,null,null,"Excluded","Exclude - replacement could be postponed if needed",null,0.31910569105691056]
[null,"5.4.1","Glassware, china, pottery, cutlery and silverware",null,null,null,0.6,16,640,8.9,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.13008130081300814]
[null,"5.4.2","Kitchen and domestic utensils",null,null,null,0.7,20,870,7.3,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.17682926829268292]
[null,"5.4.3","Repair of glassware, tableware and household utensils",null,null,null,0,0,"..",90.5,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,{"$error":"#VALUE!"}]
[null,"5.4.4","Storage and other durable household articles",null,null,null,0.4,12,510,6.9,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.10365853658536585]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[5.5,"Tools and equipment for house and garden",null,null,null,null,2.2000000000000002,59,1440,5.7,null,{"$f":"B300","v":"Tools and equipment for house and garden"},{"$f":"G300","v":2.2000000000000002},null,null,null,"Excluded","Exclude - replacement could be postponed if needed",null,0.29268292682926828]
[null,"5.5.1","Electrical tools",null,null,null,0.3,8,70,17.600000000000001,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,1.4227642276422764E-2]
[null,"5.5.2","Garden tools, equipment and accessories eg lawn mowers etc",null,null,null,0.5,13,270,14,null,null,null,null,{"$f":"M302/N302","v":{"$error":"#DIV/0!"}},null,null,null,null,5.4878048780487805E-2]
[null,"5.5.3","Small tools",null,null,null,0.4,10,340,10.5,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,6.910569105691057E-2]
[null,"5.5.4","Door, electrical and other fittings",null,null,null,0.5,13,350,13.9,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,7.113821138211382E-2]
[null,"5.5.5","Electrical consumables",null,null,null,0.6,15,850,6.4,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.17276422764227642]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[5.6,"Goods and services for routine household maintenance",null,null,null,null,6.1,166,4260,3.7,null,{"$f":"B307","v":"Goods and services for routine household maintenance"},{"$f":"SUM(M308:M321)","v":3.6999999999999997},null,null,null,"Essential","All Included as essential - Cleaning products etc",null,0.86585365853658536]
[null,"5.6.1","Cleaning materials",null,null,null,2.4,64,3370,2.2999999999999998,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.68495934959349591]
[null,null,"5.6.1.1","Detergents, washing-up liquid, washing powder",null,null,1,28,2110,3.5,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.42886178861788615]
[null,null,"5.6.1.2","Disinfectants, polishes, other cleaning materials etc",null,null,1.3,36,2810,2.5,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.57113821138211385]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,"5.6.2","Household goods and hardware",null,null,null,1.4,38,3520,2.6,null,null,{"$f":"G312","v":1.4},null,{"$error":"#DIV/0!"},null,null,null,null,0.71544715447154472]
[null,null,"5.6.2.1","Kitchen disposables",null,null,0.8,22,3190,2.5,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.64837398373983735]
[null,null,"5.6.2.2","Household hardware and appliances, matches",null,null,0.3,8,560,7.4,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.11382113821138211]
[null,null,"5.6.2.3","Kitchen gloves, cloths etc",null,null,0.1,4,770,7.4,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.1565040650406504]
[null,null,"5.6.2.4","Pins, needles, tape measures, nails, nuts and bolts etc",null,null,0.2,4,340,9.4,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,6.910569105691057E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,"5.6.3","Domestic services, carpet cleaning, hire/repair of furniture/furnishings",null,null,null,2.2999999999999998,63,740,8.8000000000000007,null,null,{"$f":"G318","v":2.2999999999999998},null,{"$error":"#DIV/0!"},null,null,null,null,0.15040650406504066]
[null,null,"5.6.3.1","Domestic services, including cleaners, gardeners, au pairs",null,null,1.8,50,380,10.7,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,7.7235772357723581E-2]
[null,null,"5.6.3.2","Carpet cleaning, ironing service, window cleaner",null,null,0.5,13,460,7.3,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,9.3495934959349589E-2]
[null,null,"5.6.3.3","Hire/repair of household furniture and furnishings",null,null,0,0,"..",74.599999999999994,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[6,"Health",null,null,null,null,7.2,196,2610,8.5,6,{"$f":"B324","v":"Health"},{"$f":"M326+M338","v":0},{"$f":"G324","v":7.2},0,0.7,"Essential","Excludes private dental/ medical costs ",null,0.53048780487804881]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[6.1,"Medical products, appliances and equipment",null,null,null,null,3.8,103,2470,10.4,null,{"$f":"B326","v":"Medical products, appliances and equipment"},null,null,null,null,"Essential",null,null,0.50203252032520329]
[null,"6.1.1","Medicines, prescriptions and healthcare products",null,null,null,2.2000000000000002,61,2300,14.5,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.46747967479674796]
[null,null,"6.1.1.1","NHS prescription charges and payments",null,null,0.2,6,170,8.6,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,3.4552845528455285E-2]
[null,null,"6.1.1.2","Medicines and medical goods (not NHS)",null,null,1.4,39,2090,5,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.42479674796747968]
[null,null,"6.1.1.3","Other medical products (eg plasters, condoms, hot water bottle etc)",null,null,0.2,4,310,10.5,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,6.3008130081300809E-2]
[null,null,"6.1.1.4","Non-optical appliances and equipment (eg wheelchairs, batteries",null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,"for hearing aids, shoe build-up)",null,null,0.5,12,30,68.900000000000006,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,6.0975609756097563E-3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,"6.1.2","Spectacles, lenses, accessories and repairs",null,null,null,1.6,43,380,11.8,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,7.7235772357723581E-2]
[null,null,"6.1.2.1","Purchase of spectacles, lenses, prescription sunglasses",null,null,1.5,42,340,12,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,6.910569105691057E-2]
[null,null,"6.1.2.2","Accessories/repairs to spectacles/lenses",null,null,0,1,60,18.600000000000001,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,1.2195121951219513E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[6.2,"Hospital services",null,null,null,null,3.4,93,400,13.5,null,{"$f":"B338","v":"Hospital services"},{"$f":"SUBTOTAL(9,M339:M342)","v":0},null,null,null,"Essential","Exclude Private medical, dental , optical",null,{"$f":"I338/$I$11","v":8.1300813008130079E-2}]
[null,"6.2.1","Out patient services",null,null,null,3.4,92,400,13.7,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,8.1300813008130079E-2]
[null,null,"6.2.1.1","NHS medical, optical, dental and medical auxiliary services",null,null,0.9,26,190,13,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,3.8617886178861791E-2]
[null,null,"6.2.1.2","Private medical, optical, dental and medical auxiliary services",null,null,2.4,66,230,18.3,null,null,{"$f":"G341","v":2.4},null,{"$error":"#DIV/0!"},null,null,null,null,4.6747967479674794E-2]
[null,null,"6.2.1.3","Other services",null,null,0,0,"..",91.2,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,"6.2.2","In-patient hospital services",null,null,null,0,1,"..",80.3,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
["Note: The commodity and service categories are not comparable with those in publications before 2001-02.",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
["The numbering is sequential, it does not use actual COICOP codes.",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
["Please see background notes for symbols and conventions used in this report.",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
["Table A1",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
["Components of household expenditure (cont)",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
["UK, financial year ending 2016",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,"Average weekly","Total","Recording","Percentage",null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,"expenditure","weekly","house-","standard ",null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,"all house-","expenditure","holds","error (full",null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,"holds (£)","(£ million)","in sample","method)",null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
["Commodity or service",null,null,null,null," ",null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"M366/N366","v":{"$error":"#DIV/0!"}},null,null,null,null,0]
[7,"Transport",null,null,null,null,72.7,1980,4340,2,7,{"$f":"B367","v":"Transport"},{"$f":"M369+M383+M406","v":12.4},{"$f":"G367","v":72.7},0.17056396148555708,0.65,"Essential & Basic ","It is anticipated the ONS captures both essential and non essential plus some duplication ie car running costs plus public transport costs and both may not apply, suggest the 65% is potentially essential or basic standard of living expense and could be reduced further if not a car owner to say 35%",null,0.88211382113821135]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[7.1,"Purchase of vehicles",null,null,null,null,24.8,676,1250,4.3,null,{"$f":"B369","v":"Purchase of vehicles"},{"$f":"G369/2","v":12.4},null,null,null,"Basic","Exclude 50% as either purchase of new or used rather than combined so suggest that 50% is considered to be a basic standard of living expense",null,0.25406504065040653]
[null,"7.1.1","Purchase of new cars and vans",null,null,null,8.6999999999999993,236,360,8.1,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,7.3170731707317069E-2]
[null,null,"7.1.1.1","Outright purchases",null,null,4.0999999999999996,112,80,12.9,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,1.6260162601626018E-2]
[null,null,"7.1.1.2","Loan/Hire Purchase of new car/van",null,null,4.5,124,270,10.5,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,5.4878048780487805E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,"7.1.2","Purchase of second hand cars or vans",null,null,null,14.9,405,900,5,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.18292682926829268]
[null,null,"7.1.2.1","Outright purchases",null,null,10.5,286,520,5.8,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.10569105691056911]
[null,null,"7.1.2.2","Loan/Hire Purchase of second hand car/van",null,null,4.4000000000000004,119,410,8.6,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,8.3333333333333329E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,"7.1.3","Purchase of motorcycles",null,null,null,1.3,35,80,20.6,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,1.6260162601626018E-2]
[null,null,"7.1.3.1","Outright purchases of new or second hand motorcycles",null,null,0.3,9,20,28.1,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,4.0650406504065045E-3]
[null,null,"7.1.3.2","Loan/Hire Purchase of new or second hand motorcycles",null,null,0.1,3,10,46.8,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,2.0325203252032522E-3]
[null,null,"7.1.3.3","Purchase of bicycles and other vehicles",null,null,0.8,23,40,28.2,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,8.130081300813009E-3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[7.2,"Operation of personal transport",null,null,null,null,30.8,837,3780,2.2000000000000002,null,{"$f":"B383","v":"Operation of personal transport"},{"$f":"SUBTOTAL(9,M384:M404)","v":0},null,null,null,"Basic","Exclude elements of operational costs such as accessoroes, motoring organisations subscriptions, garage rent and driving lessons as not considered to be essential",null,0.76829268292682928]
[null,"7.2.1","Spares and accessories",null,null,null,2.5,68,360,15.2,null,null,{"$f":"G384/2","v":1.25},null,{"$error":"#DIV/0!"},null,null,"only 50% required for basic standard of living - new cars may have element of parts / servicing included in a warrantly",null,7.3170731707317069E-2]
[null,null,"7.2.1.1","Car/van accessories and fittings",null,null,0.2,6,70,30.8,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,1.4227642276422764E-2]
[null,null,"7.2.1.2","Car/van spare parts",null,null,2,55,220,18.100000000000001,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,4.4715447154471545E-2]
[null,null,"7.2.1.3","Motorcycle accessories and spare parts",null,null,0.1,2,10,38.200000000000003,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,2.0325203252032522E-3]
[null,null,"7.2.1.4","Bicycle accessories, repairs and other costs",null,null,0.2,6,90,17.600000000000001,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,1.8292682926829267E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,"7.2.2","Petrol, diesel and other motor oils",null,null,null,19.399999999999999,527,3070,1.9,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.62398373983739841]
[null,null,"7.2.2.1","Petrol",null,null,12,327,2200,2.6,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.44715447154471544]
[null,null,"7.2.2.2","Diesel oil",null,null,7.3,197,1290,3.2,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.26219512195121952]
[null,null,"7.2.2.3","Other motor oils",null,null,0.1,3,70,15,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,1.4227642276422764E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,"7.2.3","Repairs and servicing",null,null,null,6.2,169,2560,3.6,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.52032520325203258]
[null,null,"7.2.3.1","Car or van repairs, servicing and other work",null,null,6.1,167,2550,3.6,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.51829268292682928]
[null,null,"7.2.3.2","Motorcycle repairs and servicing",null,null,0.1,2,40,27.1,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,8.130081300813009E-3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,"7.2.4","Other motoring costs",null,null,null,2.7,73,1870,5.9,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.38008130081300812]
[null,null,"7.2.4.1","Motoring organisation subscription (eg AA and RAC)",null,null,0.4,12,770,7.1,null,null,{"$f":"G400","v":0.4},null,{"$error":"#DIV/0!"},null,null,"non essential",null,0.1565040650406504]
[null,null,"7.2.4.2","Garage rent, other costs (excluding fines), car washing etc",null,null,0.9,25,330,11.8,null,null,{"$f":"G401","v":0.9},null,{"$error":"#DIV/0!"},null,null,"non essential",null,6.7073170731707321E-2]
[null,null,"7.2.4.3","Parking fees, tolls, and permits (excluding motoring fines)",null,null,0.8,22,1030,6.2,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,{"$f":"I402/$I$11","v":0.20934959349593496}]
[null,null,"7.2.4.4","Driving lessons",null,null,0.4,12,60,20.2,null,null,{"$f":"G403","v":0.4},null,{"$error":"#DIV/0!"},null,null,"non essential",null,1.2195121951219513E-2]
[null,null,"7.2.4.5","Anti-freeze, battery water, cleaning materials",null,null,0.1,3,210,12.5,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,4.2682926829268296E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[7.3,"Transport services",null,null,null,null,17.2,467,2230,3.5,null,{"$f":"B406","v":"Transport services"},{"$f":"SUBTOTAL(9,M407:M427)","v":0},null,null,null,"Essential","Excludes non essential travel costs such as Air Fares, Taxis, Car hire, water travel ",null,0.4532520325203252]
[null,"7.3.1","Rail and tube fares",null,null,null,4.0999999999999996,112,760,6,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.15447154471544716]
[null,null,"7.3.1.1","Season tickets",null,null,1.8,50,230,10.4,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,4.6747967479674794E-2]
[null,null,"7.3.1.2","Other than season tickets",null,null,2.2999999999999998,62,600,6.1,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.12195121951219512]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,"7.3.2","Bus and coach fares",null,null,null,1.3,37,720,6.4,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.14634146341463414]
[null,null,"7.3.2.1","Season tickets",null,null,0.6,16,170,10.9,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,3.4552845528455285E-2]
[null,null,"7.3.2.2","Other than season tickets",null,null,0.7,20,600,6.5,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.12195121951219512]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,"7.3.3","Combined fares",null,null,null,0.7,19,90,15.6,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,1.8292682926829267E-2]
[null,null,"7.3.3.1","Combined fares other than season tickets",null,null,0.1,3,30,28.7,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,6.0975609756097563E-3]
[null,null,"7.3.3.2","Combined fares season tickets",null,null,0.6,16,60,18.899999999999999,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,1.2195121951219513E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,"7.3.4","Other travel and transport",null,null,null,11,300,1480,3.7,null,null,{"$f":"G419-G422","v":10.9},null,{"$error":"#DIV/0!"},null,"Excluded ","generally Excluded (aside from School travel) as considered non essential ",null,0.30081300813008133]
[null,null,"7.3.4.1","Air fares (within UK)",null,null,0.3,8,90,21,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,1.8292682926829267E-2]
[null,null,"7.3.4.2","Air fares (international)",null,null,6.2,169,520,5,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.10569105691056911]
[null,null,"7.3.4.3","School travel",null,null,0.1,2,20,69.900000000000006,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,4.0650406504065045E-3]
[null,null,"7.3.4.4","Taxis and hired cars with drivers",null,null,1.1000000000000001,30,530,6.3,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.10772357723577236]
[null,null,"7.3.4.5","Other personal travel and transport services",null,null,0.3,7,300,17.3,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,6.097560975609756E-2]
[null,null,"7.3.4.6","Hire of self-drive cars, vans, bicycles",null,null,0.2,5,30,24.9,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,6.0975609756097563E-3]
[null,null,"7.3.4.7","Car leasing",null,null,2.6,70,240,7.2,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,4.878048780487805E-2]
[null,null,"7.3.4.8","Water travel, ferries and season tickets",null,null,0.3,8,50,29.4,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,1.016260162601626E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
["Note: The commodity and service categories are not comparable with those in publications before 2001-02.",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"M430/N430","v":{"$error":"#DIV/0!"}},null,null,null,null,0]
["The numbering is sequential, it does not use actual COICOP codes.",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
["Please see background notes for symbols and conventions used in this report.",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
["Table A1",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
["Components of household expenditure (cont)",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
["UK, financial year ending 2016",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,"Average weekly","Total","Recording","Percentage",null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,"expenditure","weekly","house-","standard ",null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,"all house-","expenditure","holds","error (full",null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,"holds (£)","(£ million)","in sample","method)",null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
["Commodity or service",null,null,null,null," ",null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[8,"Communication",null,null,null,null,16,435,4750,1.2,8,{"$f":"B452","v":"Communication"},{"$f":"M454+M456+M461+M467","v":0.7},{"$f":"G452","v":16},4.3749999999999997E-2,0.95,"Essential",null,null,0.96544715447154472]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[8.1,"Postal services",null,null,null,null,0.6,15,720,6.3,null,{"$f":"B454","v":"Postal services"},null,null,null,null,"Essential",null,null,0.14634146341463414]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[8.1999999999999993,"Telephone and telefax equipment",null,null,null,null,0.7,20,200,15.7,null,{"$f":"B456","v":"Telephone and telefax equipment"},{"$f":"G456","v":0.7},null,null,null,"Essential","Exclude new phone purchase as not considered to be essential",null,4.065040650406504E-2]
[null,"8.2.1","Telephone purchase",null,null,null,0,1,20,29.9,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,4.0650406504065045E-3]
[null,"8.2.2","Mobile phone purchase",null,null,null,0.7,19,190,16.3,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,3.8617886178861791E-2]
[null,"8.2.3","Answering machine, fax machine, modem purchase",null,null,null,"-","-","-","-",null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[8.3000000000000007,"Telephone and telefax services",null,null,null,null,11.6,315,4690,1,null,{"$f":"B461","v":"Telephone and telefax services"},null,null,null,null,"Essential",null,null,0.9532520325203252]
[null,"8.3.1","Telephone account",null,null,null,4.0999999999999996,112,4250,1,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.86382113821138207]
[null,"8.3.2","Telephone coin and other payments",null,null,null,0,0,"..",45.8,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,{"$error":"#VALUE!"}]
[null,"8.3.3","Mobile phone account",null,null,null,7,190,3390,1.5,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.68902439024390238]
[null,"8.3.4","Mobile phone - other payments",null,null,null,0.5,12,290,7,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,5.894308943089431E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,{"$f":"I466/$I$11","v":0}]
[8.4,"Internet subscription fees",null,null,null,null,3.1,85,3950,1.3,null,{"$f":"B467","v":"Internet subscription fees"},null,null,null,null,"Essential",null,null,0.80284552845528456]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[9,"Recreation and culture",null,null,null,null,68,1851,4850,2.2000000000000002,9,{"$f":"B470","v":"Recreation and culture"},{"$f":"M472+M493+M503+M543+M578+M585","v":41.75},{"$f":"G470","v":68},0.61397058823529416,0.3,"Basic ","TV subscriptions considered to be basic standard of living plus potential additional 20% to captured within surplus income for basic living costs",null,0.98577235772357719]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[9.1,"Audio-visual, photographic and information processing equipment",null,null,null,null,6.1,167,1080,10.6,null,{"$f":"B472","v":"Audio-visual, photographic and information processing equipment"},{"$f":"G472","v":6.1},null,null,null,"Excluded","Purchase of new equipment not  considered essential",null,0.21951219512195122]
[null,"9.1.1","Audio equipment and accessories, CD players",null,null,null,1,27,400,12.7,null,null,null,null,null,null,null,null,null,8.1300813008130079E-2]
[null,null,"9.1.1.1","Audio equipment, CD players including in car",null,null,0.2,7,40,20.2,null,null,null,null,null,null,null,null,null,8.130081300813009E-3]
[null,null,"9.1.1.2","Audio accessories eg tapes, headphones etc",null,null,0.7,20,360,15.6,null,null,null,null,null,null,null,null,null,7.3170731707317069E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"9.1.2","TV, video and computers",null,null,null,4.5,121,780,11.8,null,null,null,null,null,null,null,null,null,0.15853658536585366]
[null,null,"9.1.2.1","Purchase of TV and digital decoder",null,null,1.5,42,70,26.3,null,null,null,null,null,null,null,null,null,1.4227642276422764E-2]
[null,null,"9.1.2.2","Satellite dish purchase and installation",null,null,0.1,3,"..",46.7,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,"9.1.2.3","Cable TV connection",null,null,"-","-","-","-",null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,"9.1.2.4","Video recorder",null,null,"-","-","-","-",null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,"9.1.2.5","DVD player/recorder",null,null,0.1,1,"..",42.2,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,"9.1.2.6","Blank, pre-recorded video cassettes, DVDs",null,null,0.5,15,410,7.3,null,null,null,null,null,null,null,null,null,8.3333333333333329E-2]
[null,null,"9.1.2.7","Personal computers, printers and calculators",null,null,1.9,53,310,15.7,null,null,null,null,null,null,null,null,null,6.3008130081300809E-2]
[null,null,"9.1.2.8","Spare parts for TV, video, audio",null,null,0.1,4,60,34.799999999999997,null,null,null,null,null,null,null,null,null,1.2195121951219513E-2]
[null,null,"9.1.2.9","Repair of audio-visual, photographic and information processing",null,null,0.1,3,30,29.1,null,null,null,null,null,null,null,null,null,6.0975609756097563E-3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"9.1.3","Photographic, cine and optical equipment",null,null,null,0.7,19,60,53.3,null,null,null,null,null,null,null,null,null,1.2195121951219513E-2]
[null,null,"9.1.3.1","Photographic and cine equipment",null,null,0.3,7,50,32,null,null,null,null,null,null,null,null,null,1.016260162601626E-2]
[null,null,"9.1.3.2","Camera films",null,null,0,0,"..",69.2,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,"9.1.3.3","Optical instruments, binoculars, telescopes, microscopes",null,null,0.4,12,"..",84.4,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[9.1999999999999993,"Other major durables for recreation and culture",null,null,null,null,2.2999999999999998,62,110,19.399999999999999,null,{"$f":"B493","v":"Other major durables for recreation and culture"},{"$f":"G493","v":2.2999999999999998},null,null,null,"Excluded","Boats, trailers, horses not consirered essential",null,2.2357723577235773E-2]
[null,"9.2.1","Purchase of boats, trailers and horses",null,null,null,0.2,4,"..",69.599999999999994,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,"9.2.2","Purchase of caravans, mobile homes (including decoration)",null,null,null,1.2,31,30,30.6,null,null,null,null,null,null,null,null,null,6.0975609756097563E-3]
[null,"9.2.3","Accessories for boats, horses, caravans and motor caravans",null,null,null,0.1,1,"..",39.6,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,"9.2.4","Musical instruments (purchase and hire)",null,null,null,0.3,8,30,60.2,null,null,null,null,null,null,null,null,null,6.0975609756097563E-3]
[null,"9.2.5","Major durables for indoor recreation ",null,null,null,0,0,"..",99,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,"9.2.6","Maintenance and repair of other major durables",null,null,null,0.3,9,40,26.1,null,null,null,null,null,null,null,null,null,8.130081300813009E-3]
[null,"9.2.7","Purchase of motor caravan (new and second-hand) - outright purchase",null,null,null,0.3,8,"..",50.6,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,"9.2.8","Purchase of motor caravan (new and second-hand) - loan/HP",null,null,null,"-","-","-","-",null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[9.3000000000000007,"Other recreational items and equipment, gardens and pets",null,null,null,null,11.9,323,3310,3.2,null,{"$f":"B503","v":"Other recreational items and equipment, gardens and pets"},{"$f":"G503*50%","v":5.95},null,null,null,"Basic","consider 50% for basic standard of living",null,0.67276422764227639]
[null,"9.3.1","Games, toys and hobbies",null,null,null,2.7,73,1270,6.2,null,null,null,null,null,null,null,null,null,0.258130081300813]
[null,"9.3.2","Computer software and games",null,null,null,0.8,23,190,11.9,null,null,null,null,null,null,null,null,null,3.8617886178861791E-2]
[null,null,"9.3.2.1","Computer software and game cartridges",null,null,0.6,15,170,10.199999999999999,null,null,null,null,null,null,null,null,null,3.4552845528455285E-2]
[null,null,"9.3.2.2","Computer games consoles",null,null,0.3,7,30,27.4,null,null,null,null,null,null,null,null,null,6.0975609756097563E-3]
[null,"9.3.3","Equipment for sport, camping and open-air recreation",null,null,null,1.2,32,380,14,null,null,null,null,null,null,null,null,null,7.7235772357723581E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"9.3.4","Horticultural goods, garden equipment and plants etc",null,null,null,2.6,70,1710,3.8,null,null,null,null,null,null,null,null,null,0.34756097560975607]
[null,null,"9.3.4.1","BBQ and swings",null,null,0.1,3,30,29,null,null,null,null,null,null,null,null,null,6.0975609756097563E-3]
[null,null,"9.3.4.2","Plants, flowers, seeds, fertilisers, insecticides",null,null,2.2999999999999998,63,1640,3.9,null,null,null,null,null,null,null,null,null,0.33333333333333331]
[null,null,"9.3.4.3","Garden decorative",null,null,0.1,3,90,17.5,null,null,null,null,null,null,null,null,null,1.8292682926829267E-2]
[null,null,"9.3.4.4","Artificial flowers, pot pourri",null,null,0,1,40,25.2,null,null,null,null,null,null,null,null,null,8.130081300813009E-3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"9.3.5","Pets and pet food",null,null,null,4.5999999999999996,125,1880,4.4000000000000004,null,null,null,null,null,null,null,null,null,0.38211382113821141]
[null,null,"9.3.5.1","Pet food",null,null,2.5,67,1760,3.8,null,null,null,null,null,null,null,null,null,0.35772357723577236]
[null,null,"9.3.5.2","Pet purchase and accessories",null,null,0.9,25,620,11,null,null,null,null,null,null,null,null,null,0.12601626016260162]
[null,null,"9.3.5.3","Veterinary and other services for pets identified separately",null,null,1.2,32,190,9.8000000000000007,null,null,null,null,null,null,null,null,null,3.8617886178861791E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Note: The commodity and service categories are not comparable with those in publications before 2001-02.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["The numbering is sequential, it does not use actual COICOP codes.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Please see background notes for symbols and conventions used in this report.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Table A1",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Components of household expenditure (cont)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["UK, financial year ending 2016",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"I530/$I$11","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,"Average weekly","Total","Recording","Percentage",null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,"expenditure","weekly","house-","standard ",null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,"all house-","expenditure","holds","error (full",null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,"holds (£)","(£ million)","in sample","method)",null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Commodity or service",null,null,null,null," ",null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[9,"Recreation and culture (continued)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[9.4,"Recreational and cultural services",null,null,null,null,20.2,551,4640,2.2000000000000002,null,{"$f":"B543","v":"Recreational and cultural services"},{"$f":"SUBTOTAL(9,M544:M576)","v":0},null,null,null,"Basic","Excluded elements of Sports Subscriptions, cinema, theater admission but include TV, video, satellite rental, cable subscriptions and TV licences considered to be a basic standard of living",null,0.94308943089430897]
[null,"9.4.1","Sports admissions, subscriptions, leisure class fees and equipment hire",null,null,null,6.7,182,1860,4.3,null,null,{"$f":"G544*50%","v":3.35},null,null,null,null,"consider 50% for basic standard of living",null,0.37804878048780488]
[null,null,"9.4.1.1","Spectator sports: admission charges",null,null,0.8,21,140,16.2,null,null,null,null,null,null,null,null,null,2.8455284552845527E-2]
[null,null,"9.4.1.2","Participant sports (excluding subscriptions)",null,null,1,28,640,6.5,null,null,null,null,null,null,null,null,null,0.13008130081300814]
[null,null,"9.4.1.3","Subscriptions to sports and social clubs",null,null,2.4,65,890,8,null,null,null,null,null,null,null,null,null,0.18089430894308944]
[null,null,"9.4.1.4","Leisure class fees",null,null,2.4,66,830,6.3,null,null,null,null,null,null,null,null,null,0.16869918699186992]
[null,null,"9.4.1.5","Hire of equipment for sport and open air recreation",null,null,0.1,2,40,27.8,null,null,null,null,null,null,null,null,null,8.130081300813009E-3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"9.4.2","Cinema, theatre and museums etc",null,null,null,2.6,70,810,6.3,null,null,{"$f":"G551*50%","v":1.3},null,null,null,null,"consider 50% for basic standard of living",null,0.16463414634146342]
[null,null,"9.4.2.1","Cinemas",null,null,0.7,20,430,6,null,null,null,null,null,null,null,null,null,8.7398373983739841E-2]
[null,null,"9.4.2.2","Live entertainment: theatre, concerts, shows",null,null,1.1000000000000001,31,240,10.199999999999999,null,null,null,null,null,null,null,null,null,4.878048780487805E-2]
[null,null,"9.4.2.3","Museums, zoological gardens, theme parks, houses and gardens",null,null,0.7,18,240,12.5,null,null,null,null,null,null,null,null,null,4.878048780487805E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"9.4.3","TV, video, satellite rental, cable subscriptions and TV licences",null,null,null,6.8,185,4360,1.4,null,null,null,null,null,null,null,null,null,0.88617886178861793]
[null,null,"9.4.3.1","TV licences",null,null,2.2999999999999998,61,4070,0.5,null,null,null,null,null,null,null,null,null,0.82723577235772361]
[null,null,"9.4.3.2","Satellite subscriptions",null,null,3.4,92,1990,2.5,null,null,null,null,null,null,null,null,null,0.40447154471544716]
[null,null,"9.4.3.3","Rent for TV/Satellite/VCR",null,null,0,0,10,32.4,null,null,null,null,null,null,null,null,null,2.0325203252032522E-3]
[null,null,"9.4.3.4","Cable subscriptions",null,null,1,28,710,5.0999999999999996,null,null,null,null,null,null,null,null,null,0.1443089430894309]
[null,null,"9.4.3.5","TV slot meter payments",null,null,0,0,"..",61.4,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,"9.4.3.6","Video, cassette and CD hire",null,null,0.1,3,230,10.5,null,null,null,null,null,null,null,null,null,4.6747967479674794E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"9.4.4","Miscellaneous entertainments",null,null,null,1.4,39,1040,8.8000000000000007,null,null,{"$f":"G564","v":1.4},null,null,null,null,null,null,0.21138211382113822]
[null,null,"9.4.4.1","Admissions to clubs, dances, discos, bingo",null,null,0.6,17,380,10.8,null,null,null,null,null,null,null,null,null,7.7235772357723581E-2]
[null,null,"9.4.4.2","Social events and gatherings",null,null,0.3,8,160,30.9,null,null,null,null,null,null,null,null,null,3.2520325203252036E-2]
[null,null,"9.4.4.3","Subscriptions for leisure activities and other subscriptions",null,null,0.5,14,650,9.5,null,null,null,null,null,null,null,null,null,0.13211382113821138]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"9.4.5","Development of film, deposit for film development, passport",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"photos, holiday and school photos",null,null,null,0.2,6,130,14.9,null,null,{"$f":"G570*50%","v":0.1},null,null,null,null,"consider 50% for basic standard of living",null,2.6422764227642278E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"9.4.6","Gambling payments",null,null,null,2.6,70,1760,4.4000000000000004,null,null,{"$f":"G572","v":2.6},null,null,null,null,null,null,0.35772357723577236]
[null,null,"9.4.6.1","Football pools stakes",null,null,0,0,20,33.9,null,null,null,null,null,null,null,null,null,4.0650406504065045E-3]
[null,null,"9.4.6.2","Bingo stakes excluding admission",null,null,0.2,6,90,19.2,null,null,null,null,null,null,null,null,null,1.8292682926829267E-2]
[null,null,"9.4.6.3","Lottery ",null,null,1.8,48,1540,3.7,null,null,null,null,null,null,null,null,null,0.31300813008130079]
[null,null,"9.4.6.4","Bookmaker, tote, other betting stakes",null,null,0.6,16,400,13,null,null,null,null,null,null,null,null,null,8.1300813008130079E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[9.5,"Newspapers, books and stationery",null,null,null,null,5.3,145,3770,2.6,null,{"$f":"B578","v":"Newspapers, books and stationery"},{"$f":"G578","v":5.3},null,null,null,"Excluded","Non Essential",null,0.76626016260162599]
[null,"9.5.1","Books",null,null,null,1.2,32,940,6.3,null,null,null,null,null,null,null,null,null,0.1910569105691057]
[null,"9.5.2","Stationery, diaries, address books, art materials",null,null,null,0.8,22,1210,4.9000000000000004,null,null,null,null,null,null,null,null,null,0.2459349593495935]
[null,"9.5.3","Cards, calendars, posters and other printed matter",null,null,null,1.2,32,2100,4.4000000000000004,null,null,null,null,null,null,null,null,null,0.42682926829268292]
[null,"9.5.4","Newspapers",null,null,null,1.5,40,1930,3.9,null,null,null,null,null,null,null,null,null,0.39227642276422764]
[null,"9.5.5","Magazines and periodicals",null,null,null,0.7,19,1510,4.4000000000000004,null,null,null,null,null,null,null,null,null,0.30691056910569103]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[9.6,"Package holidays",null,null,null,null,22.1,603,970,4.4000000000000004,null,{"$f":"B585","v":"Package holidays"},{"$f":"G585","v":22.1},null,null,null,"Excluded","Non Essential",null,0.19715447154471544]
[null,"9.6.1","Package holidays - UK",null,null,null,1.4,38,180,10.5,null,null,null,null,null,null,null,null,null,3.6585365853658534E-2]
[null,"9.6.2","Package holidays - abroad",null,null,null,20.8,565,830,4.5999999999999996,null,null,null,null,null,null,null,null,null,0.16869918699186992]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[10,"Education",null,null,null,null,7,192,270,14.1,10,{"$f":"B590","v":"Education"},"suggest 50%",{"$f":"G590","v":7},0.5,0.5,"Basic ","Not all these would apply - although there would be an element which would be payable so recommend 50%",null,5.4878048780487805E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[10.1,"Education fees",null,null,null,null,6.7,181,170,14.8,null,{"$f":"B592","v":"Education fees"},null,null,null,null,null,null,null,3.4552845528455285E-2]
[null,"10.1.1","Nursery and primary education",null,null,null,0.8,23,20,30.8,null,null,null,null,null,null,null,null,null,4.0650406504065045E-3]
[null,"10.1.2","Secondary education",null,null,null,1.5,40,20,33.6,null,null,null,null,null,null,null,null,null,{"$f":"I594/$I$11","v":4.0650406504065045E-3}]
[null,"10.1.3","Sixth form college/college education",null,null,null,0.4,12,40,35.6,null,null,null,null,null,null,null,null,null,8.130081300813009E-3]
[null,"10.1.4","University education",null,null,null,3.6,98,70,19,null,null,null,null,null,null,null,null,null,1.4227642276422764E-2]
[null,"10.1.5","Other education",null,null,null,0.3,9,40,27.8,null,null,null,null,null,null,null,null,null,8.130081300813009E-3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[10.199999999999999,"Payments for school trips, other ad-hoc expenditure",null,null,null,null,0.4,10,100,17.7,null,{"$f":"B599","v":"Payments for school trips, other ad-hoc expenditure"},null,null,null,null,null,null,null,2.032520325203252E-2]
[null,"10.2.1","Nursery and primary education",null,null,null,0.1,3,60,21.3,null,null,null,null,null,null,null,null,null,1.2195121951219513E-2]
[null,"10.2.2","Secondary education",null,null,null,0.1,4,40,21.6,null,null,null,null,null,null,null,null,null,8.130081300813009E-3]
[null,"10.2.3","Sixth form college/college education",null,null,null,0,1,"..",69.3,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,"10.2.4","University education",null,null,null,0.1,3,"..",58.7,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,"10.2.5","Other education",null,null,null,0,0,"..",54.4,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Note: The commodity and service categories are not comparable with those in publications before 2001-02.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["The numbering is sequential, it does not use actual COICOP codes.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Please see background notes for symbols and conventions used in this report.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Table A1",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Components of household expenditure (cont)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["UK, financial year ending 2016",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,"Average weekly","Total","Recording","Percentage",null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,"expenditure","weekly","house-","standard ",null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,"all house-","expenditure","holds","error (full",null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,"holds (£)","(£ million)","in sample","method)",null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Commodity or service",null,null,null,null," ",null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[11,"Restaurants and hotels",null,null,null,null,45.1,1229,4340,2.2999999999999998,11,{"$f":"B627","v":"Restaurants and hotels"},{"$f":"M629+M646","v":8.9},{"$f":"G627","v":45.1},{"$f":"M627/N627","v":0.19733924611973391},0.2,"Basic ","consider some to be a basic standard of living, eg 50% of takeaway spend, other snack food and confectionery and school meals or meals bought and eaten at the office",null,0.88211382113821135]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[11.1,"Catering services",null,null,null,null,36.200000000000003,986,4270,2,null,{"$f":"B629","v":"Catering services"},{"$f":"SUBTOTAL(9,M630:M644)","v":0},null,null,null,"Basic","consider some to be a basic standard of living, eg 50% of takeaway spend, other snack food and confectionery and school meals or meals bought and eaten at the office",null,0.86788617886178865]
[null,"11.1.1","Restaurant and café meals",null,null,null,17.3,471,3500,2.2999999999999998,null,null,{"$f":"G630","v":17.3},null,{"$error":"#DIV/0!"},null,null,null,null,0.71138211382113825]
[null,"11.1.2","Alcoholic drinks (away from home)",null,null,null,7.5,203,2040,3.4,null,null,{"$f":"G631","v":7.5},null,{"$error":"#DIV/0!"},null,null,null,null,0.41463414634146339]
[null,"11.1.3","Take away meals eaten at home",null,null,null,4.7,127,2120,2.5,null,null,{"$f":"G632/2","v":2.35},null,{"$error":"#DIV/0!"},null,null,"Takeaway - Basic standard of Living but maybe at 50% frequency",null,0.43089430894308944]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,"11.1.4","Other take-away and snack food",null,null,null,4.4000000000000004,119,2700,2.4,null,null,null,null,{"$error":"#DIV/0!"},null,null,"could be considered basic standard of living ",null,0.54878048780487809]
[null,null,"11.1.4.1","Hot and cold food",null,null,3.2,88,2340,2.7,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.47560975609756095]
[null,null,"11.1.4.2","Confectionery",null,null,0.3,8,1080,4,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.21951219512195122]
[null,null,"11.1.4.3","Ice cream",null,null,0.1,4,400,6.7,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,8.1300813008130079E-2]
[null,null,"11.1.4.4","Soft drinks",null,null,0.8,21,1710,3.1,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.34756097560975607]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,"11.1.5","Contract catering (food)",null,null,null,0.7,18,20,44.5,null,null,{"$f":"G640","v":0.7},null,{"$error":"#DIV/0!"},null,null,null,null,4.0650406504065045E-3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,"11.1.6","Canteens",null,null,null,1.7,48,1110,4.5,null,null,null,null,{"$error":"#DIV/0!"},null,null,"School/ work meals - Basic standard of Living",null,0.22560975609756098]
[null,null,"11.1.6.1","School meals",null,null,0.7,18,390,7.8,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,7.926829268292683E-2]
[null,null,"11.1.6.2","Meals bought and eaten at the workplace",null,null,1.1000000000000001,29,860,5.2,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.17479674796747968]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[11.2,"Accommodation services",null,null,null,null,8.9,243,1410,6,null,{"$f":"B646","v":"Accommodation services"},{"$f":"G646","v":8.9},null,null,null,"Excluded","Non - essential holidays / room hire",null,0.28658536585365851]
[null,"11.2.1","Holiday in the UK",null,null,null,5.0999999999999996,138,1160,4.4000000000000004,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0.23577235772357724]
[null,"11.2.2","Holiday abroad",null,null,null,3.6,99,350,12,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,7.113821138211382E-2]
[null,"11.2.3","Room hire",null,null,null,0.2,6,20,50,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,4.0650406504065045E-3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,0]
[12,"Miscellaneous goods and services",null,null,null,null,39.700000000000003,1080,4810,2.2999999999999998,12,{"$f":"B652","v":"Miscellaneous goods and services"},{"$f":"M654+M670+M678+M718+M732","v":14.5},{"$f":"G652","v":39.700000000000003},0.36523929471032746,0.5,"Buildings Ins- Essential, Toilerires and Soap Essential, remainder - Basic ","of which 15% toiletries / 43% vehicle ins / 21% home insurances/ 21% other",null,0.97764227642276424]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[12.1,"Personal care",null,null,null,null,11.4,311,4230,2.2999999999999998,null,{"$f":"B654","v":"Personal care"},{"$f":"SUBTOTAL(9,M655:M668)","v":0},null,null,null,"Essential & Basic ","Excluding 50% of Hairdressing/ Beauty treatments, hair products and cosmetics and all electrical appliances",null,0.8597560975609756]
[null,"12.1.1","Hairdressing, beauty treatment",null,null,null,3.7,101,1160,4.0999999999999996,null,null,{"$f":"G655*50%","v":1.85},null,null,null,"Basic ","Have included 50% as beauty treatment not considered essential",null,0.23577235772357724]
[null,"12.1.2","Toilet paper",null,null,null,0.8,22,2020,2.6,null,null,null,null,null,null,null,{"$f":"6.2/20","v":0.31},null,0.41056910569105692]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"12.1.3","Toiletries and soap",null,null,null,2.2999999999999998,64,3400,2.2999999999999998,null,null,null,null,null,null,null,null,null,{"$f":"I658/$I$11","v":0.69105691056910568}]
[null,null,"12.1.3.1","Toiletries (disposable including tampons, lipsyl, toothpaste etc)",null,null,1.4,39,2880,2.6,null,null,null,null,null,null,null,null,null,0.58536585365853655]
[null,null,"12.1.3.2","Bar of soap, liquid soap, shower gel etc",null,null,0.5,12,1570,3.8,null,null,null,null,null,null,null,null,null,0.31910569105691056]
[null,null,"12.1.3.3","Toilet requisites (durable including razors, hairbrushes, toothbrushes etc)",null,null,0.5,12,1050,4.9000000000000004,null,null,null,null,null,null,null,null,null,0.21341463414634146]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"12.1.4","Baby toiletries and accessories (disposable)",null,null,null,0.7,19,900,4.5,null,null,null,null,null,null,null,null,null,0.18292682926829268]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"12.1.5","Hair products, cosmetics and electrical appliances for personal care",null,null,null,3.9,105,2590,3.5,null,null,{"$f":"SUBTOTAL(9,M666:M668)","v":0},null,null,null,null,null,null,0.52642276422764223]
[null,null,"12.1.5.1","Hair products",null,null,0.8,23,1480,4.0999999999999996,null,null,{"$f":"G666*50%","v":0.4},null,null,null,null,null,null,0.30081300813008133]
[null,null,"12.1.5.2","Cosmetics and related accessories",null,null,2.7,74,1930,4.2,null,null,{"$f":"G667*50%","v":1.35},null,null,null,null,null,null,0.39227642276422764]
[null,null,"12.1.5.3","Electrical appliances for personal care, including hairdryers, shavers etc",null,null,0.3,7,90,15.2,null,null,{"$f":"G668","v":0.3},null,null,null,null,null,null,1.8292682926829267E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[12.2,"Personal effects ",null,null,null,null,3.4,93,1130,8.6999999999999993,null,{"$f":"B670","v":"Personal effects "},{"$f":"G670","v":3.4},null,null,null,"Excluded","Non Essential",null,0.22967479674796748]
[null,"12.2.1","Jewellery, clocks and watches and other personal effects",null,null,null,1.9,52,760,13.4,null,null,null,null,null,null,null,null,null,0.15447154471544716]
[null,"12.2.2","Leather and travel goods (excluding baby items)",null,null,null,0.9,24,390,8.4,null,null,null,null,null,null,null,null,null,7.926829268292683E-2]
[null,"12.2.3","Sunglasses (non-prescription)",null,null,null,0.1,3,80,22.1,null,null,null,null,null,null,null,null,null,1.6260162601626018E-2]
[null,"12.2.4","Baby equipment (excluding prams and pushchairs)",null,null,null,0.3,7,50,25.6,null,null,null,null,null,null,null,null,null,1.016260162601626E-2]
[null,"12.2.5","Prams, pram accessories and pushchairs",null,null,null,0.2,4,20,42.2,null,null,null,null,null,null,null,null,null,4.0650406504065045E-3]
[null,"12.2.6","Repairs to personal goods",null,null,null,0.1,2,30,26.7,null,null,null,null,null,null,null,null,null,6.0975609756097563E-3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[12.3,"Social protection",null,null,null,null,4.4000000000000004,119,260,9.6,null,{"$f":"B678","v":"Social protection"},{"$f":"G678","v":4.4000000000000004},null,null,null,"Excluded","Childcare captured seperately, home help would expect to be covered in Other expenditure",null,5.2845528455284556E-2]
[null,"12.3.1","Residential homes",null,null,null,0,1,"..",56.8,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,"12.3.2","Home help",null,null,null,0.4,11,20,25.8,null,null,null,null,null,null,null,null,null,4.0650406504065045E-3]
[null,"12.3.3","Nursery, crèche, playschools",null,null,null,1.3,36,70,17.399999999999999,null,null,null,null,null,null,null,null,null,1.4227642276422764E-2]
[null,"12.3.4","Child care payments",null,null,null,2.6,72,180,12.1,null,null,null,null,null,null,null,null,null,3.6585365853658534E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Note: The commodity and service categories are not comparable with those in publications before 2001-02.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["The numbering is sequential, it does not use actual COICOP codes.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Please see background notes for symbols and conventions used in this report.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Table A1",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Components of household expenditure (cont)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["UK, financial year ending 2016",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,"Average weekly","Total","Recording","Percentage",null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,"expenditure","weekly","house-","standard ",null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,"all house-","expenditure","holds","error (full",null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,"holds (£)","(£ million)","in sample","method)",null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Commodity or service",null,null,null,null," ",null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"6.2/20","v":0.31},null,0]
[12,"Miscellaneous goods and services (continued)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[12.4,"Insurance",null,null,null,null,15.6,425,4330,1.9,null,{"$f":"B718","v":"Insurance"},{"$f":"M719+M724+M726+M730","v":1.9000000000000001},null,null,null,null,null,null,0.88008130081300817]
[null,"12.4.1","Household insurances",null,null,null,4.5999999999999996,124,3810,1.9,null,null,{"$f":"SUBTOTAL(9,M720:M722)","v":0},null,null,null,null,null,null,0.77439024390243905]
[null,null,"12.4.1.1","Structure insurance",null,null,2.2999999999999998,63,3150,2.2000000000000002,null,null,null,null,null,null,null,null,null,0.6402439024390244]
[null,null,"12.4.1.2","Contents insurance",null,null,2.2000000000000002,59,3690,1.9,null,null,null,null,null,null,null,null,null,0.75]
[null,null,"12.4.1.3","Insurance for household appliances",null,null,0.1,2,70,20.7,null,null,{"$f":"G722","v":0.1},null,null,null,null,null,null,{"$f":"I722/$I$11","v":1.4227642276422764E-2}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"12.4.2","Medical insurance premiums",null,null,null,1.6,44,570,6.8,null,null,{"$f":"G724","v":1.6},null,null,null,null,null,null,0.11585365853658537]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"12.4.3","Vehicle insurance including boat insurance",null,null,null,9.1999999999999993,250,3790,2.2000000000000002,null,null,{"$f":"SUBTOTAL(9,M727:M728)","v":0},null,null,null,null,null,null,0.77032520325203258]
[null,null,"12.4.3.1","Vehicle insurance",null,null,9.1,247,3790,2,null,null,null,null,null,null,null,null,null,0.77032520325203258]
[null,null,"12.4.3.2","Boat insurance (not home)",null,null,0.1,4,"..",71.099999999999994,null,null,{"$f":"G728","v":0.1},null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"12.4.4","Non-package holiday, other travel insurance",null,null,null,0.3,7,60,31.8,null,null,{"$f":"G730","v":0.3},null,null,null,null,null,null,1.2195121951219513E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[12.5,"Other services",null,null,null,null,4.8,132,1780,11.5,null,{"$f":"B732","v":"Other services"},{"$f":"G732","v":4.8},null,null,null,null,"These are one off costs and would not factor into ongoing affordability",null,0.36178861788617889]
[null,"12.5.1","Moving house",null,null,null,2.9,78,300,8.6999999999999993,null,null,null,null,null,null,null,null,null,6.097560975609756E-2]
[null,null,"12.5.1.1","Moving and storage of furniture",null,null,0.3,8,140,18.2,null,null,null,null,null,null,null,null,null,2.8455284552845527E-2]
[null,null,"12.5.1.2","Property transaction - purchase and sale",null,null,1.4,38,100,13,null,null,null,null,null,null,null,null,null,2.032520325203252E-2]
[null,null,"12.5.1.3","Property transaction - sale only",null,null,0.6,16,40,20.399999999999999,null,null,null,null,null,null,null,null,null,8.130081300813009E-3]
[null,null,"12.5.1.4","Property transaction - purchase only",null,null,0.4,10,60,16.100000000000001,null,null,null,null,null,null,null,null,null,1.2195121951219513E-2]
[null,null,"12.5.1.5","Property transaction - other payments",null,null,0.2,6,80,17.600000000000001,null,null,null,null,null,null,null,null,null,1.6260162601626018E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"12.5.2","Bank, building society, post office, credit card charges",null,null,null,0.6,16,1170,6.9,null,null,null,null,null,null,null,"This would be covered in the commitments section - proven by credit Search",null,0.23780487804878048]
[null,null,"12.5.2.1","Bank and building society charges",null,null,0.5,14,1030,7.6,null,null,null,null,null,null,null,null,null,0.20934959349593496]
[null,null,"12.5.2.2","Bank and Post Office counter charges",null,null,0,0,"..",57.2,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,"12.5.2.3","Annual standing charge for credit cards",null,null,0.1,2,230,10.8,null,null,null,null,null,null,null,null,null,4.6747967479674794E-2]
[null,null,"12.5.2.4","Commission travellers' cheques and currency",null,null,0,0,"..",108.2,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"12.5.3","Other services and professional fees",null,null,null,1.4,39,640,35.799999999999997,null,null,null,null,null,null,null,null,null,0.13008130081300814]
[null,null,"12.5.3.1","Other professional fees including court fines",null,null,0.2,5,30,30,null,null,null,null,null,null,null,null,null,6.0975609756097563E-3]
[null,null,"12.5.3.2","Legal fees",null,null,0.2,5,10,44.4,null,null,null,null,null,null,null,null,null,2.0325203252032522E-3]
[null,null,"12.5.3.3","Funeral expenses",null,null,0.5,13,"..",93.2,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,"12.5.3.4","TU and professional organisations",null,null,0.5,14,530,9.5,null,null,null,null,null,null,null,null,null,0.10772357723577236]
[null,null,"12.5.3.5","Other payments for services eg photocopying",null,null,0.1,2,80,23.8,null,null,null,null,null,null,null,null,null,1.6260162601626018E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["1-12","All expenditure groups",null,null,null,null,455.3,12395,4920,1.2,null,null,null,null,null,null,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[13,"Other expenditure items",null,null,null,null,73.599999999999994,2002,4730,4,13,{"$f":"B757","v":"Other expenditure items"},{"$f":"G757","v":73.599999999999994},{"$f":"G757","v":73.599999999999994},{"$f":"M757/N757","v":1},0,"Excluded","Council tax would be captured - customers quotation will be used",null,0.96138211382113825]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"All other items considered non essential or not applicable",null,0]
[13.1,"Housing: mortgage interest payments, council tax etc",null,null,null,null,47.3,1287,4540,5.4,null,{"$f":"B759","v":"Housing: mortgage interest payments, council tax etc"},null,null,null,null,"Excluded",null,null,0.92276422764227639]
[null,"13.1.1","Mortgage interest payments",null,null,null,19,518,1510,3,null,null,null,null,null,null,null,null,null,0.30691056910569103]
[null,"13.1.2","Mortgage protection premiums",null,null,null,1.2,32,620,6.8,null,null,null,null,null,null,null,null,null,0.12601626016260162]
[null,"13.1.3","Council tax, domestic rates",null,null,null,21,573,4530,0.9,null,null,null,null,null,null,null,null,null,0.92073170731707321]
[null,"13.1.4","Council tax, mortgage (second dwelling)",null,null,null,6.1,165,90,40.200000000000003,null,null,null,null,null,null,null,null,null,1.8292682926829267E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[13.2,"Licences, fines and transfers",null,null,null,null,3.4,92,3640,2.2000000000000002,null,{"$f":"B765","v":"Licences, fines and transfers"},null,null,null,null,"Excluded","Stamp Duty - one off, motoring fines minimal, road tax should be captured in vehicle running costs",null,0.73983739837398377]
[null,"13.2.1","Stamp duty, licences and fines (excluding motoring fines)",null,null,null,0.3,8,70,16.600000000000001,null,null,null,null,null,null,null,null,null,1.4227642276422764E-2]
[null,"13.2.2","Motoring fines",null,null,null,0.1,2,10,39.200000000000003,null,null,null,null,null,null,null,null,null,2.0325203252032522E-3]
[null,"13.2.3","Motor vehicle road taxation payments less refunds",null,null,null,3,82,3630,1.6,null,null,null,null,null,null,null,null,null,0.73780487804878048]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[13.3,"Holiday spending",null,null,null,null,9.9,270,240,13,null,{"$f":"B770","v":"Holiday spending"},null,null,null,null,"Excluded","Non Essential",null,4.878048780487805E-2]
[null,"13.3.1","Money spent abroad",null,null,null,9.9,270,240,13,null,null,null,null,null,null,null,null,null,4.878048780487805E-2]
[null,"13.3.2","Duty free goods bought in UK",null,null,null,0,0,"..",109.4,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Note: The commodity and service categories are not comparable with those in publications before 2001-02.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["The numbering is sequential, it does not use actual COICOP codes.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Please see background notes for symbols and conventions used in this report.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"I786/$I$11","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Table A1",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Components of household expenditure (cont)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["UK, financial year ending 2016",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,"Average weekly","Total","Recording","Percentage",null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,"expenditure","weekly","house-","standard ",null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,"all house-","expenditure","holds","error (full",null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,"holds (£)","(£ million)","in sample","method)",null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Commodity or service",null,null,null,null," ",null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[13,"Other expenditure items (continued)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[13.4,"Money transfers and credit",null,null,null,null,13,354,2320,6.7,null,{"$f":"B807","v":"Money transfers and credit"},null,null,null,null,"Excluded","Non Essential",null,0.47154471544715448]
[null,"13.4.1","Money, cash gifts given to children",null,null,null,0.1,2,60,23.7,null,null,null,null,null,null,null,null,null,1.2195121951219513E-2]
[null,null,"13.4.1.1","Money given to children for specific purposes",null,null,0.1,2,50,24.5,null,null,null,null,null,null,null,null,null,1.016260162601626E-2]
[null,null,"13.4.1.2","Cash gifts to children (no specific purpose)",null,null,0,0,"..",60.6,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,"13.4.2","Cash gifts and donations",null,null,null,11.7,317,2010,7.4,null,null,null,null,null,null,null,null,null,0.40853658536585363]
[null,null,"13.4.2.1","Money/presents given to those outside the household",null,null,4.5,124,740,14.6,null,null,null,null,null,null,null,null,null,0.15040650406504066]
[null,null,"13.4.2.2","Charitable donations and subscriptions",null,null,2.9,80,1360,7.2,null,null,null,null,null,null,null,null,null,0.27642276422764228]
[null,null,"13.4.2.3","Money sent abroad",null,null,2.1,58,210,18.3,null,null,null,null,null,null,null,null,null,4.2682926829268296E-2]
[null,null,"13.4.2.4","Maintenance allowance expenditure",null,null,2,55,160,11.2,null,null,null,null,null,null,null,null,null,3.2520325203252036E-2]
[null,"13.4.3","Club instalment payments (child) and interest on credit cards",null,null,null,1.3,35,530,13.1,null,null,null,null,null,null,null,null,null,0.10772357723577236]
[null,null,"13.4.3.1","Club instalment payment",null,null,"-","-","-","-",null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"}]
[null,null,"13.4.3.2","Interest on credit cards",null,null,1.3,35,530,13.1,null,null,null,null,null,null,null,null,null,0.10772357723577236]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Total expenditure",null,null,null,null,null,528.9,14398,4920,1.3,null,null,null,null,null,null,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[14,"Other items recorded",null,null,null,null,null,null,null,null,null,{"$f":"B824","v":"Other items recorded"},{"$f":"G826+G831+G833+G843+G847+G857+G862+G863","v":213.4},{"$f":"M824","v":213.4},{"$f":"M824/N824","v":1},0,"Excluded","All not essential/ not applicable or captured automastically in income (ie the Tax / Ni contributions, Pensions etc - these may need to be considered for Self Employed)",null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[14.1,"Life assurance, contributions to pension funds",null,null,null,null,22.5,614,2490,3.8,null,{"$f":"B826","v":"Life assurance, contributions to pension funds"},null,null,null,null,"Excluded","If Essential should be captured in Other category ( e.g Interest Only repayment vehicles) or Essential Insurances",null,0.50609756097560976]
[null,"14.1.1","Life assurance premiums eg mortgage endowment policies",null,null,null,3.3,89,1210,12.6,null,null,null,null,null,null,null,null,null,0.2459349593495935]
[null,"14.1.2","Contributions to pension and superannuation funds etc",null,null,null,15,410,1740,3.6,null,null,null,null,null,null,null,null,null,0.35365853658536583]
[null,"14.1.3","Personal pensions",null,null,null,4.2,115,410,9.8000000000000007,null,null,null,null,null,null,null,null,null,8.3333333333333329E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[14.2,"Other insurance including friendly societies",null,null,null,null,1.6,44,1160,4.0999999999999996,null,{"$f":"B831","v":"Other insurance including friendly societies"},null,null,null,null,"Excluded","Non Essential",null,0.23577235772357724]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[14.3,"Income tax, payments less refunds",null,null,null,null,89.6,2439,3830,2.9,null,{"$f":"B833","v":"Income tax, payments less refunds"},null,null,null,null,"Excluded","As Net monthly Salary is used in calculation these will be excluded",null,0.77845528455284552]
[null,"14.3.1","Income tax paid by employees under PAYE",null,null,null,66.7,1816,2400,3.1,null,null,null,null,null,null,null,null,null,0.48780487804878048]
[null,"14.3.2","Income tax paid direct eg by retired or unoccupied persons",null,null,null,2.7,72,170,21.2,null,null,null,null,null,null,null,null,null,3.4552845528455285E-2]
[null,"14.3.3","Income tax paid direct by self-employed",null,null,null,3.8,104,200,14.4,null,null,null,null,null,null,null,null,null,4.065040650406504E-2]
[null,"14.3.4","Income tax deducted at source from income under covenant from",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"investments or from annuities and pensions",null,null,null,13.2,358,2210,4.4000000000000004,null,null,null,null,null,null,null,null,null,0.44918699186991867]
[null,"14.3.5","Income tax on bonus earnings",null,null,null,4.3,117,760,12.1,null,null,null,null,null,null,null,null,null,0.15447154471544716]
[null,"14.3.6","Income tax refunds under PAYE",null,null,null,0.2,5,30,51.1,null,null,null,null,null,null,null,null,null,6.0975609756097563E-3]
[null,"14.3.7","Income tax refunds other than PAYE",null,null,null,0.8,23,280,13,null,null,null,null,null,null,null,null,null,5.6910569105691054E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[14.4,"National insurance contribution",null,null,null,null,29,789,2470,2,null,{"$f":"B843","v":"National insurance contribution"},null,null,null,null,"Excluded","As Net monthly Salary is used in calculation these will be excluded",null,0.50203252032520329]
[null,"14.4.1","NI contributions paid by employees",null,null,null,28.8,785,2450,2,null,null,null,null,null,null,null,null,null,0.49796747967479676]
[null,"14.4.2","NI contributions paid by non-employees",null,null,null,0.1,4,40,32.5,null,null,null,null,null,null,null,null,null,8.130081300813009E-3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[14.5,"Purchase or alteration of dwellings (contracted out), mortgages",null,null,null,null,61.1,1664,1930,6.3,null,{"$f":"B847","v":"Purchase or alteration of dwellings (contracted out), mortgages"},null,null,null,null,"Excluded","Mortgage would capture",null,0.39227642276422764]
[null,"14.5.1","Outright purchase of houses, flats etc including deposits",null,null,null,4.8,131,20,41.2,null,null,null,null,null,null,null,null,null,4.0650406504065045E-3]
[null,"14.5.2","Capital repayment of mortgage",null,null,null,23.9,650,1330,3,null,null,null,null,null,null,null,null,null,0.27032520325203252]
[null,"14.5.3","Central heating installation",null,null,null,1.6,43,130,16,null,null,null,null,null,null,null,null,null,{"$f":"I850/$I$11","v":2.6422764227642278E-2}]
[null,"14.5.4","DIY improvements: Double glazing, kitchen units, sheds etc",null,null,null,0.7,18,70,17,null,null,null,null,null,null,null,null,null,1.4227642276422764E-2]
[null,"14.5.5","Home improvements - contracted out",null,null,null,20.8,566,760,9,null,null,null,null,null,null,null,null,null,0.15447154471544716]
[null,"14.5.6","Bathroom fittings",null,null,null,0.5,13,80,43.9,null,null,null,null,null,null,null,null,null,1.6260162601626018E-2]
[null,"14.5.7","Purchase of materials for Capital Improvements",null,null,null,0.2,7,30,31,null,null,null,null,null,null,null,null,null,6.0975609756097563E-3]
[null,"14.5.8","Purchase of second dwelling",null,null,null,8.6,235,60,32.4,null,null,null,null,null,null,null,null,null,1.2195121951219513E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[14.6,"Savings and investments",null,null,null,null,5.8,158,690,7.4,null,{"$f":"B857","v":"Savings and investments"},null,null,null,null,"Excluded","Non -Essential",null,0.1402439024390244]
[null,"14.6.1","Savings, investments (excluding AVCs)",null,null,null,5,137,490,8.4,null,null,null,null,null,null,null,null,null,9.959349593495935E-2]
[null,"14.6.2","Additional Voluntary Contributions",null,null,null,0.6,15,70,16.2,null,null,null,null,null,null,null,null,null,1.4227642276422764E-2]
[null,"14.6.3","Food stamps, other food related expenditure",null,null,null,0.2,6,170,18.100000000000001,null,null,null,null,null,null,null,null,null,3.4552845528455285E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[14.7,"Pay off loan to clear other debt",null,null,null,null,2,54,240,8.3000000000000007,null,{"$f":"B862","v":"Pay off loan to clear other debt"},null,null,null,null,"Excluded","Would be captured in commitments",null,4.878048780487805E-2]
[14.8,"Windfall receipts from gambling etc4",null,null,null,null,1.8,48,430,11.9,null,{"$f":"B863","v":"Windfall receipts from gambling etc4"},null,null,null,null,"Excluded","Non Essential",null,8.7398373983739841E-2]
[]
[]
["Note: The commodity and service categories are not comparable with those in publications before 2001-02."]
["The numbering is sequential, it does not use actual COICOP codes."]
["Please see background notes for symbols and conventions used in this report."]
["4 Expressed as an income figure as opposed to an expenditure figure."]
[]
[]
[]
["Source: Office for National Statistics"]

{"sheet":"Version control","index":18,"n_rows":42,"n_cols":5,"rows_kept":42,"cut":false,"hidden":true,"merged":[]}
["Affordability model - Version control"]
["Version no","Date","Changes","Actioned by","Notes / Authorised by"]
[]
[1,"26042014","Initial model"]
[2,"30062014","Amended for minor formal error in ONS calculation",null,"No risk as not used for underwriting"]
[3,"01082014","Amended to put in 4.5/4 times income caps and also ensures set to 2+ if more than one income",null,"Warning message(s) now shows"]
["2.5","08122015","ONS statistics updated to latest version"]
[null,null,"Model changed to show mortgage required rather than deposit"]
[null,null,"4.5/4 times income caps refined to take account of committed expenditure etc"]
[null,null,"Warning if interest only loan exceeds 60%"]
[null,null,"4th column added for potential joint guarantor"]
["2.6",null,"Mortgage scheme LTV calculation amended following v2.5 amendment"]
[2.7,"2016-12-01","Max term extended to 35 years, VBS mortgage products updated, ONS table updated, over 4 times income warning removed, Income multiple calculated"]
[2.8,"2017-05-01","Revised input sheet to allow notes, prepared by and date for users. Also make income excess etc clearer for underwriters. Updated ONS table (2016)"]
["New Risk Vs0.1 - 0.6","2018-02-01","Introduced field to capture Credit Score for use in future analysis \nIncome -  Removed the Guaranteed O/T/ Bonus income category as not sure that these are ever guaranteed\nCommitted Expenditure - added in category fotr non self financing mortgages/rent \n                                                   - added in a total Credit Card Balance category - (to use the higher of 3% total balances or customer repayment amount)\nRegular Expenditure - combined categories and aligned to ONS data categories, assessment carried out to apportion the amounts considerd to be basic/ essential and the higher of cut declared or ONS is then used in the calculation - with an override available where the customer declared amount is proven to be lower (if this is required).\n-Basic Recreation category removed as this is now captured within the surplus income amount (along with other ad hoc ONS categories which do not fit well elsewhere).\nCalculation now uses the higher of the cust declared or ONS calculated to determine the mortgage amount that we would lend.\n- Updated Income Multiples to align to latest version of 4.5x\n- Updated to SVR +3% stress rate and\n- updated SVR rate to 4.95 in line with latest versuion of calculator in use (V2.11)\n","Sam B"]
["v0.7","2018-04-01","Following walkthrough with Andrew - amended formular corrections and removed calculations no longer in use","Sam B"]
["V0.8","2018-04-01","Added in a calculator to work out the stressed payments for any non self financing mortgages and to calculate the net Basic and Additional incomes.","Sam B"]
["v0.9","2018-04-24","Added in u/w validation worksheets and updated income calculator following walkthrough with Jessica T","Sam B"]
["v0.10","2018-05-04","Updates to u/w sheets and correction of decision ( where loan amount =max allowed the decision was declining - have set so that decision is based on loan amount requested being less than or = to which has corrected the error). Have also removed the cell notes on the override as they get in the way. Also updated table of proofs - no longer need p60 as standard only if basic fluctuates or add income used. Aslo YTD must be greater than 3months worth of salary not at least 3months ","Sam B"]
["v0.11","2018-05-15","Updated decision from Accept, Decline, Refer to Pass, Fail and Marginal Pass (was refer), Added in I/O retirement category which allows for assessment to be made purely on I/O given the repayyment vehicle is sale of property, also removed other category and included I/O costs in other unsecure commitments","Sam B"]
["v0.12","June","Increase amount of non std income used to 50% from current 30%\nAmended split gross income input cell into gross basic and gross additional - to apply the 50% rule to gross\nIncluded an approximation calculation for the split of Net salary into basic and other based on the proportions in gross\nWhere I/O amended the calculation of  documentary evidencing  levels to apply to the i/o affordability \nremoved the 'refer' on i/o calculations which do not pass affordability for C&I\nAmended proof docs for S/E to 2 tax retn and overviews plus 1 year accts - in line with Core Criteria","Sam B","Sent to Andrew Entwisle and Finance to review"]
["v1.0","2018-07-30","Updated to Version 1.0 - as calculations are in line with Core Criteria version 1 . Have increase mortgage term to 40 years and updated the Mort repay tab ( by pulling the formulars down). Updated ONS to the 2017/18 Y/E dat. formatted the data entry headings / formatting inline with feedback to create a broker view and an internal view","Sam B","AE Approved"]
["v1.1","2018-08-17","corrections made to link net additional income to 50% rule from 30% hard coded, updated I/O max loan to cap at 4.49% in line with C&I and amended positioning of customer signature boxes and removed input for 2nd household inorder to encourage 2 separate calculators - replaced UW sheets 2 and 4 with ones replaced from Jess to aid u/w assessment process and data capture. amended refernce to ONS to household composion and added in a no of applicants field, removed max term warning from RIO mortgages","Sam B"]
["v2.0","2018-04-17","Updated to Version 2.0 following approval","Sam B","AE Approved"]
["v2.1","2018-04-21","error found in other (Net) income tab have corrected, and Broker view to have a separate print area so the full calculator prints off, also added in a gross other income field to capture benefits / investment income. ","Sam B"]
["v3.0","2018-04-21","Updated to V3.0 following approval","Sam B","AE Approved"]
["V3.1","2018-09-07","Uodated for SVR change","Andrew E"]
["V3.2","2018-09-10","Correction of calculation formula error resulting from the SVR rate change (caused by mismatch in number formats)\nAlignment of the Adviser and U/W calculator tabs and Version control","Sam B","AJE Approved that the changes to the SVR have been actioned correctly  in the model"]
["V3.3","2018-09-10","Update to the links in the Underwriter assessment tabs","Jessica T"]
["v4.0","2018-09-11","Updated to V4.0 following approval","Sam B"]
["v5.0","2018-11-14","corrected error on cells f-j 22 (Total Gross income calculation) & updated standard wording of customer declaration to include reference to reducing spending if required.- Approved AE","Sam B","AE Approved"]
["v6.0","2018-12-04","Updated the Max LTI from 4.49% to 5% as per agreement at Nov Board (changed on VBS criteria tab - income multiple cap for max loan amount)","Sam B","change in line with  Board approval"]
[6.1,"2018-12-31","Updated the table to include the evidence requirements for Retired applicnts and added a refer decisiojn code for the high LTI cases requiring underwriter approval in line with policy where loan req is >90% of max loan allowed, amended the calculation for Loan requested as % of max loan affordable to exclude the cap from the max loan affordable","Sam B"]
[7,"2019-01-08","updated to V7.0 followoing AE Approval","Sam B","AE Approved"]
[7.1,"2019-04-16","Updated the ONS figures from table A23 to 2018 year end data ","Sam B, KM tested"]
[7.2,"2019-04-17","reduced stress rate from SVR +3% to SVR +2% in line with the Board paper which was agreed at March Board,also removed % from the SVR and Stress rate (along with associated formula) as the mort repay table was not recognising,  and removed autopopulation from the date field.","Sam B, KM Tested"]
[7.3,"2019-04-23","Identified error in formula for mort repay table for any loans over 30 years. - impacted by the removal of % on rates, up to yr30 were hardcoded numbers - have amended back to formular consistent with the 31+ years","Sam B, KM Tested"]
["v8.0","2019-04-24","Testing completed, updated documentatry evidence table on calculator to align to core criteria (to 2 months payslips- previously 3,  for Level 3)  - SB Approved version no. updated and publishing requested","Sam B"]
["V8.1","2019-04-24","removal of the >4.5x LTI on i/o mortgages as no discretion is permitted (outside of Board) and this could potentially be misleading","Sam B, KM Tested"]
["V9.0","2019-04-24","Testing completed, no concerns - SB approved version no. updated and publishing requested","Sam B"]
["V10.0","2019-09-19","Rebranded ready for external brand launch plus added a warning message that the funcionality will be impaired if used on pre- 2010 versions  (following feedback from Broker)","Sam B","Colour / Font changes only no approval necessary"]
[null,null,"Version control now tracked through Creditco updates"]

{"sheet":"Admin","index":19,"n_rows":9,"n_cols":10,"rows_kept":9,"cut":false,"hidden":true,"merged":[]}
["UW","General1","General2","Approval Level","Affordability Level","Approver","Repayment Type","Deposit","Repayment Type","Loan Purpose"]
["Karen","Yes","Yes","Level 1","Level 1","N/A - by Underwriter","Capital & Interest","Equity in property","Capital & Repayment","Purchase"]
["Claire","No","No","Level 2","Level 2","Barrie","Interest-only","Savings","Interest-Only","Like for like Remo"]
["Louise",null,"N/A","Level 3","Level 3","Ian","Part & Part","HTB ISA","Part & Part","Remo + Cap raising"]
["Dan",null,null,"2 x Level 3","Level 4","Steve",null,"Gifted Deposit",null,"Porting"]
["Barrie",null,null,"Creditco",null,"Barrie/Ian",null,"Combination (see notes)",null,"Porting + F/A"]
[null,null,null,null,null,"Barrie/Steve",null,"Other (see notes)",null,"Further Advance"]
[null,null,null,null,null,"Ian/Steve"]
[null,null,null,null,null,"Creditco"]