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Commonwealth Bank of Australia ABN 48 123 123 124 AFSL & Australian credit licence number 234945
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Transport and Auto
Items you should consider include public transport, car registration, petrol, tolls, repairs and
maintenance, and rideshare costs (e.g. Uber, taxi).
Do not include car insurance and recreational vehicle expenses (e.g. boats, caravans, trailers).
$ $
Medical, Health and Fitness
Items you should consider include doctor, dentist, physiotherapy, medicines, eye care, glasses
and gym membership.
Do not include health insurance and counselling.
$ $
Insurance
Items you should consider include car, home and contents insurance.
Do not include investment property, health and life insurances and recreational vehicle
insurances.
Where you are purchasing an owner occupied property the amount must be greater than $0.
$ $
Recreation, Travel and Entertainment
Items you should consider include sport, domestic holidays, dining out, movies, electronic
games, electronics, tobacco, alcohol, gambling, parties and functions.
Do not include overseas travel.
$ $
Children and Pets
Items you should consider including for children are day care, childcare, preschool, sports,
extracurricular activities, and nannies.
Items you should consider including for pets are: pet food, grooming, minding services, care
products, health products and veterinarian fees.
Where you have declared you have children this amount must be greater than $0.
$ $
Expenses for Adult Dependants
Items you should consider include expenses incurred for other adult dependants within the
household such as allowances paid to them or payments for motor vehicle expenses for cars
not owned by you.
$ $
Other Additional Expenses
Items you should consider include:
• Additional primary residence expenses – strata and other body corporate fees on your
own dwelling, gardening and home help services and land tax
• Secondary residence running costs
• Private education – private school fees, private education tuition fees, books, materials
and uniforms
• Personal insurances and counselling – life insurance, health insurances including
sickness and personal accident insurance, hospital, medical and dental insurance,
income protection and counselling
• Beauty treatments
• Overseas travel
• Recreational vehicle expenses and insurances e.g. boats, caravans, trailers.
Do not include mortgage repayments, rent and investment property expenses.
$ $
TOTAL (A)
$ (B) $
Declared percentage of Monthly Living Expenses that the Applicant is responsible for ((B)/(A) x 100)
Home Lending Specialist / Broker: If this amount is less than 50%, do not proceed.
% (C)
Declared percentage of Monthly Living Expenses that the Related Party is responsible for (1 - (C)%)
% (D)
Home Lending Specialist / Broker: The total household expenses and adjusted expenses must match what has been entered into the
home lending application.
