LIXI Category |
Lender Category |
Notes |
Clothing and personal care: Clothing, footwear, personal care products, cosmetics, hair services and accessories (including travel goods, handbags, umbrellas, wallets, and baby-goods) for men, women, children and infants, including purchases, repairs and alterations. Included in HEM. |
Clothing/Personal Care: (e.g. clothing, footwear, cosmetics, personal care) |
Direct map. |
Groceries: Groceries (food and non-alcoholic beverages), toiletries and cleaning products. Included in HEM. |
Groceries: (e.g. typical supermarket shop for groceries including food and toiletries). |
Direct map. |
Medical and health: Medical and health care services including GPs, specialists, physiotherapists, chiropractors, and opticians. Medicines, pharmaceuticals, prescriptions, glasses, purchase or hire of therapeutic appliances and equipment, hospital charges, nursing home charges. Excludes health insurance and ambulance insurance. Included in HEM.
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Medical/Health (Excluding Health Insurance): (e.g. medical and health costs including doctor, dental, optical and pharmaceutical etc. (excluding health insurance which is categorised under 'Insurance (Life, Health, Sickness and Personal Accident)')) |
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Other: Other ongoing or recurring items not included within the other categories including, but not limited to pet insurance, insurance not elsewhere classified, registration, insurance and operation of recreational vehicles (such as caravans, trailers, motorcycles, boats and aircraft), overseas holidays, gifts, jewellery, household services including cleaning, gardening, housekeeping, security and pest control services. HEM Non-Basic. |
Other regular or recurring expenses: Any other regular or recurring expenses not covered by the specific categories above (e.g. holidays, purchase and maintenance of recreation vehicles (caravan, boat etc), cleaning or gardening services, etc.) |
Direct map. |
Primary Residence Running Costs: Costs associated with the primary residence, either owned or rented. Includes rates, water, sewage, repairs and maintenance, electricity, gas, heating oil and wood for fuel, purchase, hire and repair of household and outdoor furnishings and equipment, furnishings, floor coverings, linen, tableware, gardening tools, power tools, electrical, lights, trees, shrubs, plants, pool chemicals, home insurance, contents insurance and appliance insurance. Excludes body corporate fees, strata fees and land tax. Included in HEM. |
Primary Residence Costs (Including Insurance): (e.g. housing and property expenses associated with the applicant’s primary residence, either owned or rented. Includes rates, levies, repairs and maintenance, insurance (building, contents etc), all other utilities and other household costs for fixtures and fittings (excluding land tax, body corporate and strata fees, telephone, internet and pay TV)) |
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Body Corporate Fees, Strata Fees and Land Tax on Owner Occupied Principal Place of Residence: Excludes investment properties, secondary residences, and properties maintained for other purposes such as holiday properties or residences maintained for parents or children. Excluded from HEM. |
Owner Occupied Primary Residence Land Tax, Body Corp & Strata Fees: (e.g. land tax, body corporate and strata fees on owner-occupied principal place of residence (excluding investment properties, secondary residences, and properties maintained for other purposes such as holiday properties or residences maintained for parents or children)) |
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Private Schooling and Tuition: Tuition fees, school fees and sports fees for private schooling, including independent schools (Catholic or non-Catholic) and private tuition including compulsory age kindergarten/reception/pre-primary/prep. Excluded from HEM |
Private Schooling & Tuition Costs: (e.g. tuition fees, school fees, sports fees, books, uniforms and associated costs for private schooling, including independent schools (Catholic or non-Catholic), private tuition (such as Kumon and Kip McGrath) and compulsory age kindergarten/ reception/ pre-primary/prep) |
Direct map. |
Childcare: Childcare including nannies and non-compulsory pre-school. Included in HEM. |
Childcare Fees: (e.g. childcare including nannies) |
Direct map. |
Public or Government Primary and Secondary Education: Public or government, primary and secondary school tuition, school and sports fees including compulsory kindergarten/reception/pre-primary/prep. Included in HEM. |
Public or Government Primary & Secondary Education Costs: (e.g. education fees, books, uniforms and associated costs for public schooling (preschool, primary or secondary)) |
Direct map. |
Higher Education, Vocational Training and Professional Fees: Higher education and vocational training fees (including TAFE, business college, drama, music, dance) excluding HECS, and professional fees (union dues, professional association subscriptions, legal, accountant and tax agent fees). Included in HEM. |
Higher Education & Vocational Training Costs: (e.g. fees, accommodation, books and associated costs for higher education (tertiary) and vocational training e.g. university, TAFE, business college, drama, music, dance (excluding HECS)) |
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Recreation and entertainment: Meals in restaurants, hotels and clubs, fast food and takeaway including coffee. Alcoholic beverages and tobacco products. Purchase, hire, repair of recreational personal belongings including electronics, computers, games consoles, AV equipment, cameras. Toys, hobbies, stationery, arts, crafts, sports, camping, fishing and recreation equipment including musical instruments, accessories and lessons. Non-subscription TV, video, games, and audio content, books, newspapers, magazines (including physical material and digital content). Recreation, gym, and health and fitness studios fees, court hire, sports lessons, admission fees and tickets (sports, theatre, gallery, museum, music events). Domestic holidays (fares, fuel, accommodation, theme parks, zoos tours). Recreational gambling, including lottery-type games, scratch cards, poker machines, club and casino gaming, and sports betting. Excludes travel insurance. Included in HEM.
Pet Care: Pet food, grooming, minding services, care products, health products, veterinarian fees. Included in HEM. |
Recreation/Entertainment: (e.g. recreation and entertainment including alcohol, tobacco, gambling, restaurants, membership fees, pet care, holidays) |
LIXI has a category for 'Pet Care', distinct from 'Recreation and entertainment', but both map directly. |
Sickness and Personal Accident Insurance, Life Insurance: Sickness and personal accident insurance, life insurance. Excluded from HEM.
Health Insurance: Health insurance including hospital, medical and dental insurance (excludes separate ambulance insurance). HEM Non-Basic. |
Insurance (Life, Health, Sickness and Personal Accident): (e.g. hospital, medical and dental health insurance, sickness and personal accident insurance, life insurance.) |
LIXI has a category for 'Health Insurance', distinct from 'Sickness and Personal Accident Insurance, Life Insurance', but both map directly, although doing so would aggregate data that is Excluded from HEM with data that is HEM Non-Basic (neither of which are within HEM).
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Telephone, internet, pay TV and media streaming subscriptions: Telephone accounts (home and mobile), internet, pay TV and media streaming subscriptions (such as Netflix and Spotify). Included in HEM. |
Telephone/Internet/PayTV/Media Streaming Subscriptions: (e.g. telephone accounts (home and mobile), internet, pay TV and media streaming subscriptions) |
Direct map. |
Transport: Public transport, taxis, ride-sharing and non-holiday domestic airfares (excludes overseas airfares). Running costs for essential vehicles including fuel, servicing, repairs, parking, tolls (excludes insurance) and registration of motor vehicles (excludes recreational vehicles such as caravans, trailers, motorcycles, boats and aircraft). Included in HEM. |
Transport: (e.g. public transport and motor vehicle running costs including fuel, servicing, parking and tolls (excluding motor vehicle insurance which is categorised under insurance)). |
Direct map. |
General Basic Insurances: include ambulance, car (not recreation vehicles), travel, and personal belongings insurance. Excludes property (house and contents), health, sickness and personal accident, life, income protection and pet insurance. Included in HEM. |
Insurance (Excluding Life, Health, Sickness and Personal Accident): (e.g. insurance costs such as personal belongings, travel and ambulance insurance, as well as any compulsory insurance of motor vehicles (combined insurance and registration) other than recreation vehicles, excluding property related insurance costs (building, contents etc) as well as life, health, sickness and personal accident insurance.) |
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Investment Property Running Costs: Costs associated with any property owned for investment purposes. Includes body corporate fees, strata fees, land tax, property management fees, rates, water, sewage, repairs and maintenance, electricity, gas, heating oil and wood for fuel, purchase, hire and repair of household and outdoor furnishings and equipment, furnishings, floor coverings, linen, tableware, gardening tools, power tools, electrical, lights, trees, shrubs, plants, pool chemicals, landlords insurance, home insurance, contents insurance and appliance insurance. HEM Non-Basic. |
Investment Property Costs (Including Insurance): (e.g. housing and property expenses on investment property including rates, taxes, levies, body corporate and strata fees, repairs and maintenance, insurance (building, contents etc), all other utilities and household costs for fixtures and fittings) |
Direct map. |
Secondary Residence Running Costs: Costs associated with any secondary residence, either rented or owned for non-investment purposes, such as a holiday property that is not rented to generate income, or a property that family members (parents or children) are allowed to live in rent-free. Includes body corporate fees, strata fees, land tax, property management fees, rates, water, sewage, repairs and maintenance, electricity, gas, heating oil and wood for fuel, purchase, hire and repair of household and outdoor furnishings and equipment, furnishings, floor coverings, linen, tableware, gardening tools, power tools, electrical, lights, trees, shrubs, plants, pool chemicals, landlords insurance, home insurance, contents insurance and appliance insurance. HEM Non-Basic. |
Secondary Residence/Holiday Home Costs (Including Insurance): (e.g. costs associated with any secondary residences, either rented or owned for non-investment purposes, such as a holiday property that is not rented to generate income, or a property that family members (parents or children) are allowed to live in rent-free. Includes rates, taxes, levies, body corporate and strata fees, repairs and maintenance, insurance (building, contents etc), all other utilities and other household costs for fixtures and fittings.) |
Direct map. |
Rent: Rent on primary residence.
Board: Board paid. |
Rent/Board: (which you will continue to pay
after drawing this loan) |
LIXI has a separate category for 'Rent' along with 'Board', both of which map directly. |
Child and Spousal Maintenance: Maintenance for either dependent or non-dependent children, and spousal or de facto partner maintenance. |
Child Maintenance/Alimony |
Direct map. |