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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.

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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.

Property price information in an ANZ Property Profile Report is an estimate (not a valuation), may not be available for all properties, is for personal domestic use only and may change daily. Actual sale prices may differ. The report is not personal advice and ANZ takes no responsibility for any error or omission.