Banks Apply Stricter Measures on Clients’ Living Expenses and Behaviours

10 May Banks Apply Stricter Measures on Clients’ Living Expenses and Behaviours

Banks are now applying tougher analyses and verifications after a number of reported incidents investigated by the Royal Commission.

banks, living expenses, consumer, compliance, finance, budget, money

Banks apply stricter measures on clients’ living expenses and behaviours

Who is the Royal Commission??

In the Australian system of government, royal commissions are the highest form of inquiry on matters of public importance. In this case, the Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry was established on December 2017 to inquire into and report on misconduct in the banking, superannuation, and financial services industry.

Banks’ and Brokers’ Responsibility

For the benefit of the lender, broker, and the client, banks and lenders have been reassessing their business processes and started utilising some tools to help them prepare for tougher lending measures.

Some lenders have also updated their credit policies, pushing greater responsibility onto the broker to verify a client’s actual living expenses.

Client/Borrowers’ Role

As the borrower, you have to be 100% honest about your living expenses including the amount you spend on your groceries, utilities and entertainment, etc. Otherwise, chances are, you and your finances will eventually suffer in terms of repaying your loan.

Banks and brokers have the responsibility to assess and verify the information you provided. Operative word/s here: information YOU provided. They have the duty to improve their verification process, hence broker tools and updated policies are being utilised. One of the basic foundations of applying for a loan lies on your honesty and transparency in disclosing all of the required information by your finance broker and lender. Ultimately, this will determine whether or not you can afford to repay the money you borrow.


Treat this as a guide in understanding your spending and the goal to save for your repayments. As a trusted broker by many clients for more than 11 years already, I will help you throughout the process including the preparation to make sure that the deal you’re going to get is appropriate for your financial circumstance.





Credit Representative (486927) is authorised under Australian Credit Licence 389328.

This article provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

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