HMEHOW Made Easy
NSW HOME BUILDING COMPENSATION FUND

Making Homes Warranty Insurance Easier.

Don't get caught out by not understanding your numbers. Know your current ANTA and Working Capital position instantly, while planning for the future with access to a live ANTA and Working Capital calculator.

YOUR FINANCIAL POSITION

Five simple steps to your HOW Summary

  1. 1Tell us your limit
  2. 2Input your average build time
  3. 3Upload your financials
  4. 4Check your financials by clicking on each year
  5. 5See your HOW Summary
MACRO SUMMARY

Assessment and live position

Assumed annual turnover$1,000,000HBCF Limit × 12 ÷ build time
ANTA requirement3%$30,000 required
ANTA position$0

Average of the last two completed years

$30,000 shortfall
Working capital position$0

2025/26 · most recently completed year only

N/A ratio · surplus after 30-day overhead requirement
Current FY ANTA · live$0

2026/27 year to date

$30,000 shortfall
Current FY working capital · live$0

After required 30-day overheads

N/A ratio · positive position
ANTA: TWO-YEAR AVERAGE APPLIED2025/26 ANTA is equal or better, so the two completed years are averaged for ANTA. Working capital uses 2025/26 only.
THREE-YEAR VISUAL

ANTA and working-capital position by year

The centre line represents zero. ANTA is compared with the required $30,000; working capital is shown after the required 30 days of overheads.

CHOOSE DATA SOURCE

How would you like to enter the financial figures?

Enter figures manually, connect the builder’s Xero file, or upload a financial pack for document scanning.

Live to date

2026/27 full calculation

Total assets$0$0 recognised for ANTA
Total liabilities$0
Net Equity$0
ANTA$0$30,000 shortfall against required ANTA
Required working capital$030 days of net overheads
Actual working capital$0Including accepted undrawn facility
Working capital ratioN/AAdjusted current assets ÷ current liabilities
WC surplus / shortfall$0Actual less required working capital
FIXED RECOGNITION

2026/27 assets

Enter the balance-sheet amount. Recognition percentages come directly from the supplied ANTA workbook and cannot be edited.

ItemBalanceRecognitionANTA value
Cash (current assets)Unencumbered cash is recognised at 100%.
$
100%
$0
Debtors under 30 daysRecognised at 100% when supported by debtor ageing.
$
100%
$0
Debtors over 30 daysNot recognised.
$
0%
$0
WIP (AASB 15 compliant)Recognised when supported by the approved WIP document.
$
100%
$0
Stock / land / speculative buildingRecognised at 85%.
$
85%
$0
Net contract WIP / loanNot recognised.
$
0%
$0
PrepaymentsRecognised at 50%.
$
50%
$0
Land and buildingsRecognised at 85%.
$
85%
$0
Intangible assets / goodwillNot recognised.
$
0%
$0
Plant and equipmentPopulated from the total fixed assets balance and recognised at 50%.
$
50%
$0
Motor vehicles and other fixed assetsManual entry only. This figure is not inferred from uploaded financials.
$
50%
$0
Other investmentsNot recognised.
$
0%
$0
Listed companiesRecognised at 75%.
$
75%
$0
Other unrelated investmentsRecognised at 50%.
$
50%
$0
Other non-current assetsNot recognised.
$
0%
$0
Related investments and loansNot recognised.
$
0%
$0
TOTALTotal assets
$0Adjusted Assets$0
FIXED RECOGNITION

2026/27 liabilities

Enter the balance-sheet amount. Recognition percentages come directly from the supplied ANTA workbook and cannot be edited.

ItemBalanceRecognitionANTA value
Current liabilitiesExcluding accepted related-party loans.
$
100%
$0
Unearned revenue (AASB 15 compliant)Excluded from ANTA and added back in working capital.
$
0%
$0
Non-current liabilitiesExcluding accepted related-party loans.
$
100%
$0
Accepted current related-party loansExcluded only when accepted as non-payable.
$
0%
$0
Accepted non-current related-party loansExcluded only when accepted as non-payable.
$
0%
$0
TOTALTotal liabilities
$0Adjusted Liabilities$0
NET POSITIONNet Equity
$0
ADJUSTED POSITIONAdjusted Net Equity
$0
WORKING CAPITAL

2026/27 overhead and funding inputs

Required working capital equals 30 days of net overheads. Actual working capital follows the supplied workbook calculation.

Net overheads
$0
Required working capital — net overheads ÷ 365 × 30
$0
Quick assets — cash + debtors under 30 days + approved WIP
$0
Adjusted current assets — quick assets + unearned revenue
$0
Adjusted current liabilities
$0
Net working capital before facility
$0
Accepted undrawn facility
$0
Working-capital ratio — adjusted current assets plus facility ÷ current liabilities
N/A
Working-capital surplus / shortfall
$0
HELP MY BUSINESS

Your home warranty needs, looked after all year.

HOW Made Easy annual membership gives builders an ongoing home warranty support team. We stay across your eligibility, financial position, limits and project requirements so issues are identified early and your business is better prepared when it matters.

Reduce riskRegular reviews help identify ANTA, working-capital, eligibility and limit risks before they delay a project or create an urgent insurance problem.
Ongoing serviceGet year-round guidance for project submissions, policy questions, eligibility reviews, limit increases, documentation and insurer requests.
Protect momentumBetter preparation means fewer surprises, clearer decisions and less time taken away from running and growing your building business.

What your membership includes

  • Annual home warranty eligibility and limit review
  • ANTA and working-capital monitoring and planning support
  • Guidance on project submissions, policy closures and supporting documents
  • Preparation support for Financial Reviews and ASR reviews
  • Early warning of financial or eligibility risks that may affect capacity
  • Ongoing access to our team for home warranty questions and insurer requests
More certainty. Less administration. Better protection.Choose the membership level that matches your HBCF tier and let us look after the ongoing process.
Enquire about membership