Income and expenditure
Debt, arrears & collectionsA breakdown of how much money you receive and spend each month.
Overview
Lenders and debt advisers use this to assess affordability.
It helps identify where you can reduce costs or increase repayments.
Why it matters
- It supports realistic repayment plans.
- It helps lenders assess risk.
- It improves budgeting decisions.
FAQs
Do lenders ask for income and expenditure?
Yes, especially for affordability checks or if you are in arrears.
How detailed should it be?
It should reflect your real spending, including essentials and debt payments.
Related terms
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