Committed expenditure
Credit scores & reportsRegular payments you must make, such as rent, loans, and utilities.
Overview
Committed spending is considered in affordability checks.
It reduces the income available for new credit.
Why it matters
- It affects how much you can borrow.
- High commitments reduce disposable income.
- It can change eligibility outcomes.
FAQs
What counts as committed expenditure?
Rent, mortgage, loans, childcare, utilities, and other fixed costs.
Can I reduce committed expenditure?
Sometimes, by refinancing or lowering fixed bills.
Related terms
Take control of your credit health
Get the complete credit toolkit — all features included.
Start building creditInstant setup. No credit check. Cancel anytime.