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Understand your expenses


Knowing how you spend your money can help you budget and plan for your future financial goals, like buying a home.

This tool can help you consider the costs that make up your lifestyle and should take around 10 to 15 minutes to complete. You might like to have your bills and statements handy before you start.

Remember to print or save a copy of your expenses for your own records or to bring to a future ANZ appointment.

Statement of position

Understanding how you spend your money can help you budget and plan for your future financial goals, like buying a home. This tool can help you consider the various costs that make up your lifestyle and help us understand your overall financial position (which we call a ‘statement of position’) when we are assessing your home loan application. You need to gather various pieces of documentation, such as your payslips, bills and credit card and bank statements, before you start using the tool.

$3,000 bonus for first home buyers

If you’re buying your first home, you could get $3,000 to spend however you like, plus support from an ANZ First Home Coach. Available to eligible first home buyers with an ANZ home loan of $250,000 or more. 

Drawdown within 180 days of applying, bonus paid after settlement. Eligibility criteria and T&Cs apply.disclaimer

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Want to earn cashback while you shop?

ANZ has teamed up with Cashrewards to help you get more for your money. Browse the latest Cashrewards offers right from your ANZ App, then shop via the Cashrewards website to earn cashback at over 2,000 travel, fashion, sport, tech, pet and food retailers.disclaimer

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More ANZ home loan calculators and tools

Calculate how much I could borrow

Get a quick estimate on how much you may be able to borrow based on your current income and existing financial commitments.

Free ANZ Property Profile Reportdisclaimer

Get a free ANZ Property Profile Report which includes a property price prediction.disclaimer

Compare our home loans

Compare our home loan features, fees, rates and charges.

Repayments Calculator

Our repayments calculator can give you an estimate of your potential loan repayments.

Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian credit licence number 234527.

ANZ Mobile Lending representatives operate as ANZ Mortgage Solutions, independently operated franchises of ANZ.

The results generated by using this tool are a general guide only and assume that the information you provide is complete and accurate. You do not have to use this tool in order to apply for a home loan with ANZ, and using this tool to estimate expenses does not give you pre-approval (or any other approval) for a loan. ANZ does not store the information you provide in this tool or use it for the purposes of assessing your application. You will be required to provide information about your expenses (and income and other matters) if you apply for a home loan.

Offer can be withdrawn at any time. Maximum one bonus per eligible loan, individual may only claim once. Available for eligible First Home Buyers who purchase or construct their first property and take out an Eligible ANZ Home Loan of $250,000 or more. To be eligible to receive the bonus First Home Buyers must hold an ANZ Access Advantage, ANZ Plus or ANZ One offset account at loan drawdown. Drawdown on the Eligible ANZ Home Loan(s) must take place within 180 days from applying. See the full Terms and Conditions (PDF) for this offer. Fees, charges and eligibility criteria apply.


Cashrewards is offered by Cashrewards and not ANZ. Cashrewards is not exclusive to ANZ cardholders. To earn cashback you must be a Cashrewards member. Eligibility criteria, cashback redemption and withdrawal conditions and T&Cs apply.


A price range estimate is an estimate only. It is based on certain available information provided when ordering a Property Profile Report. It is not a valuation of the property or a guarantee of its market value or future sale price. Price range estimates may change daily and the actual sale price (if the property is sold) may be different.