The cost of the roof over your head.  Your weekly housing and utilities cost will generally include the following.

• Electricity and Gas.
• Rent or Board
• Rates, if you own.
• Mortgage, if you own.

The cost of the contents and maintenance.  Your weekly household contents and services cost will generally include the following.

• Beds and Furniture.
• Appliances and Tools.
• Kitchen Ware.
• Service and Repair.

Health care that is not subsidised by the government.  You may be paying for health services or private health care for the following.

• Comprehensive cover (cover for all medical costs).
• Specialist Care and Elective (non-urgent) surgery.

The cost of transport is what is payed to get you to where you need to go.  You will either own a vehicle or pay for public transport with the following costs involved.

• Vehicle Registration.
• Warrant of Fitness.
• Vehicle Service and Repair
• Bus, Ferry and Train Fares.

The cost of recreation and cultural activities.  Your weekly entertainment bill will generally include the following.

• Cinema Ticket.
• Swimming Pool Entry.
• Ski Lift Pass.
• Concert Ticket.
• Culture & Performing Arts Entry.
• Sport Equipment Hire & Entry.

The cost of education and schooling for you or your dependents and will generally include the following costs.

• Public school Costs & Donations. (preschool to secondary)
• Private school Costs & Fees. (preschool to secondary)
• Tertiary school Costs & Fees (university and higher leaning).

The cost of Insurance, Personal Grooming and Health Memberships will generally include the following costs.

• Personal Grooming and Fitness. (haircut, body treatments and gym membership)
• Insurance for you and any dependents. (life and income protection insurance)
• Insurance for your Home. (contents and or home)
• Insurance for your Vehicle.

The cost of any other existing debit that is not mortgage or credit card repayments.  Will generally include the following types of loans.

• Consumer Lending for Retail purchases.
• Personal Loans for Travel, Renovation and Weddings.
• Vehicle Finance for your Car, Motorbike, Boat or Recreational Vehicle.

If you are not clearing your credit card on a monthly basis you will be paying a Monthly repayment to reduce the debit.

If you are using multiple credit cards the Monthly repayment from each card will need to be added together for a combined total, giving your Total Monthly repayment.

This will be considered for the lending decision as it is additional debit you can draw on.

If you are running multiple credit cards the Credit Card Limit of each card will need to be added together to a combined total, giving your Total Sum of Credit Card Limits.

A part of responsible lending requires that your new loan will not over commit you financially.

Your lending officer will need to check the financial information you provide in your application.  If you do not provide your Bank Statements with your application you will be sent an email, including a Conditions Notice with this request.

Your bank statement will be requested for the following reasons.

• Income and expenses verification.
• Current debit obligations.
• To assess affordability.

Your bank statements can be supplied during your application process, or you can use the secure link provided in the Conditions Notice email to send your bank statement electronically.