This information helps us determine your borrowing capacity
Child care
Everything from formal day care costs for each child, to nannies and occasional babysitters.
Personal care
All clothing, footwear, cosmetics and personal hygiene products, hair dressing, manicures and massages etc.
Education
Educational costs/fees for yourselves and your children, including books, uniforms, equipment and excursions.
Groceries
This includes meat, fruit, vegetables and anything else you might buy at a supermarket, like toilet paper and cleaning products.
Medical
This section is specifically for health care costs like doctors, dental care, optical and pharmaceutical prescriptions.
Insurance
This includes all personal insurance like health, home and contents, life, income protection and pet insurance.
Utilities/home expenses
Gas, water, electricity, rates, taxes and levies, and any other costs for running your own home.
Entertainment
Recreational expenditure like take-away food, dining out, movies, gifts, club memberships, pet care, holidays and hobbies.
Connections
Include expenses like mobile phone plans, pay or cable TV, internet, house phone, personal magazine subscriptions etc.
Transport
This section is for public transport costs, petrol, car registration, car insurance, car parking, car servicing and maintenance.
Rent
This is for rent on a property where you live, board (if you are living at your parent’s home or renting a room), or similar housing costs.
Other
Any regular living expense which is not covered by the above categories.
Investment property expenses
Costs you are responsible for paying—council rates, property management fees, taxes and levies, body corporate/strata fees, maintenance etc.