{"id":10489,"date":"2024-05-13T17:25:36","date_gmt":"2024-05-13T07:25:36","guid":{"rendered":"https:\/\/casestudyhelp.com\/sample-questions\/?p=10489"},"modified":"2024-05-13T17:52:53","modified_gmt":"2024-05-13T07:52:53","slug":"fns40821-certificate-iv-in-finance-and-mortgage-broking-case-study","status":"publish","type":"post","link":"https:\/\/casestudyhelp.com\/sample-questions\/fns40821-certificate-iv-in-finance-and-mortgage-broking-case-study\/","title":{"rendered":"FNS40821 \u2013 Certificate IV in Finance and Mortgage Broking Case Study"},"content":{"rendered":"<p>Looking for FNS40821 \u2013 Certificate IV in Finance and Mortgage Broking? Get\u00a0a<a href=\"https:\/\/casestudyhelp.com\/finances-case-study-assignment-help.html\" target=\"_blank\" rel=\"noopener\"><strong><span data-preserver-spaces=\"true\"> finance case study<\/span><\/strong><\/a><span data-preserver-spaces=\"true\">\u00a0from\u00a0<\/span><a href=\"https:\/\/casestudyhelp.com\/experts\/\" target=\"_blank\" rel=\"noopener\"><strong><span data-preserver-spaces=\"true\">case study expert<\/span><\/strong><\/a><span data-preserver-spaces=\"true\">. We&#8217;ve helped thousands of students with their assignments, and Success rates for our clients have reached up to 99%. We have made a reputation as the no.1\u00a0<\/span><strong><span data-preserver-spaces=\"true\"><a href=\"https:\/\/casestudyhelp.com\/assignment-writing-services.html\" target=\"_blank\" rel=\"noopener\">assignment writing service<\/a>\u00a0<\/span><\/strong><span data-preserver-spaces=\"true\">in Australia.<\/span><\/p>\n<p style=\"text-align: center\"><a href=\"https:\/\/casestudyhelp.com\/MyOrder.php\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-9029 size-full\" src=\"https:\/\/casestudyhelp.com\/sample-questions\/wp-content\/uploads\/2022\/12\/order-now.jpg\" alt=\"Order Now\" width=\"700\" height=\"87\" srcset=\"https:\/\/casestudyhelp.com\/sample-questions\/wp-content\/uploads\/2022\/12\/order-now.jpg 700w, https:\/\/casestudyhelp.com\/sample-questions\/wp-content\/uploads\/2022\/12\/order-now-300x37.jpg 300w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/><\/a><\/p>\n<p>Assignment Detail:<\/p>\n<ul>\n<li>Words: 1000 + calculations each case study<\/li>\n<\/ul>\n<h3><strong>Case Study (No 1)\u00a0 John and Mary Smith<\/strong><\/h3>\n<p>John and Mary are looking to refinance their existing loans with Westpac and ANZ. In addition they would like to clear their existing Mastercard with Westpac and Qantas American Express Card.<\/p>\n<p>They have come to you and have expressed these points over the telephone prior to your meeting:<\/p>\n<ol>\n<li>They would like a facility where they can make extra repayments and have a redraw facility available to them<\/li>\n<li>They don\u2019t really care which credit provided is used \u2013 they don\u2019t wish to go with either ANZ or Westpac<\/li>\n<li>It appears there is some concern over interest rate increases in the future<\/li>\n<li>They have grown up children that no longer live with them and both work full time<\/li>\n<li>They would like a finance solution that is simple and easy to use<\/li>\n<li>They have no dependents<\/li>\n<\/ol>\n<p><strong>Current Position:<\/strong><\/p>\n<p>Westpac Home Loan\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $365,000\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Property Value (Estimate)\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $780,000<\/p>\n<p>ANZ Car Loan \u2013 Personal Use\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $25,000\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Repayment\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $550.00 P\/Month<\/p>\n<p>Credit Card \u2013 Westpac \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $10,000 (Limit)\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Balance\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $4,200.00<\/p>\n<p>Credit Card \u2013 Amex\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $5,000 (Limit)\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Balance\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $2,640.00<\/p>\n<p>Income: Both PAYG<\/p>\n<p>John Smith\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $96,000\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Office Manager\/Woolworths<\/p>\n<p>Mary Smith\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $48,000\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Admin Assistant\/High School \u2013 Local<\/p>\n<p><strong>Requirement of Case Study<\/strong><\/p>\n<ol>\n<li>What type of loan structure would suggest; and<\/li>\n<li>Your rationale behind your option\/strategy<\/li>\n<\/ol>\n<p>Case Study \u2013 John and Mary Smith (Worksheet)<\/p>\n<h3><strong>Case Study (No 2)\u00a0 Jack and Jill Rogers<\/strong><\/h3>\n<p>Jack and Jill want to use their existing owner occupied homed to assist in the security for the purchase of an investment property.<\/p>\n<p>They have found a house they are eager to make an offer on and the sale price is $640,000. Real estate agents in the area believe they could receive a weekly rental return of between $650 and $700 on the property which is situated in a high demand area.<\/p>\n<p>They have made an appointment with you to consider their options.<\/p>\n<p>Notes to the Case Study<\/p>\n<ol>\n<li>Jack and Jill want to borrow for this venture<\/li>\n<li>They do not want to use any of their own funds for this purchase<\/li>\n<li>Their current home is valued at $720,000 (valuation provided by two local agents)<\/li>\n<li>Current debt on the home is $285,000 (ING Bank)<\/li>\n<li>They have one dependent child (Age 8 years)<\/li>\n<\/ol>\n<p><strong>Current Position:<\/strong><\/p>\n<p>Other Debts<\/p>\n<p>Mastercard Limit \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $10,000\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Balance\u00a0 $8,400<\/p>\n<p>Store Card Limit\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $5,000\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Balance $4,000<\/p>\n<p>Personal Loan Car\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $12,600 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Monthly Repayment $485.50<\/p>\n<p>&nbsp;<\/p>\n<p>Income: \u00a0Both PAYG<\/p>\n<p>Jack Rogers\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $64,000\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Warehouse Supervisor\/Bunnings<\/p>\n<p>Jill Rogers\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $72,000\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Nurse\/Royal Hospital<\/p>\n<h3><strong>Requirement of Case Study<\/strong><\/h3>\n<ol>\n<li>What type of loan structure would suggest, and<\/li>\n<li>Your rationale behind this option\/strategy<\/li>\n<\/ol>\n<p>Case Study \u2013 Jack and Jill Rogers (Worksheet)<\/p>\n<p><strong>Also Checkout:\u00a0<a href=\"https:\/\/casestudyhelp.com\/sample-questions\/fns40815-certificate-iv-in-finance-and-mortgage-broking-assessment-answers\/\">FNS40815 Certificate IV in Finance and Mortgage Broking Assessment Answers<\/a><\/strong><\/p>\n<p style=\"text-align: center\"><a href=\"https:\/\/casestudyhelp.com\/MyOrder.php\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-10236 size-full\" src=\"https:\/\/casestudyhelp.com\/sample-questions\/wp-content\/uploads\/2023\/03\/place-an-order.png\" alt=\"place-an-order\" width=\"250\" height=\"50\" \/><\/a><\/p>\n<h3><strong>Case Study (No 3)\u00a0\u00a0\u00a0\u00a0\u00a0 Peter and Sally White<\/strong><\/h3>\n<p>Peter and Sally are first home buyers and they are looking to determine exactly how much they can borrow. (You may research the market to determine \u2013 search lender websites or you aggregation software if you have access).<\/p>\n<p>Notes to the Case Study<\/p>\n<ol>\n<li>They are eligible for the First Home Buyers\/Construction Grant<\/li>\n<li>They have a little over $40,000 in savings<\/li>\n<li>They want a loan that is fairly simple and can allow extra payments<\/li>\n<li>They would like to know if they make payments fortnightly how would that affect their loan<\/li>\n<li>They are hoping to start a family in a couple of years<\/li>\n<li>At present they have no dependents<\/li>\n<li>Sally parents have offered a gift (non-repayable) of $15,000 to assist in a property purchase<\/li>\n<li>They don\u2019t want to go with the \u201cbigger\u201d banks<\/li>\n<\/ol>\n<p><strong>Current Position:<\/strong><\/p>\n<p>Debts<\/p>\n<p>ANZ Card Limit \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $20,000\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Balance\u00a0 $500<\/p>\n<p>CBA Card Limit\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $5,000\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Balance $Nil<\/p>\n<p>CBA Personal Loan Car\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $10,500 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Monthly Repayment $390.00<\/p>\n<p>&nbsp;<\/p>\n<p>Income: \u00a0Both PAYG<\/p>\n<p>Peter White\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $78,000\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Salesperson\/Retail<\/p>\n<p>Sally White\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $48,000\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Part Time\/Receptionist<\/p>\n<p><strong>Requirement of Case Study<\/strong><\/p>\n<ol>\n<li>What type of loan structure would suggest, and<\/li>\n<li>Your rationale behind this option\/strategy<\/li>\n<\/ol>\n<p>Case Study \u2013 Peter and Sally White (Worksheet)<\/p>\n<p><strong>For REF\u2026 Use: <span style=\"color: #808000\" data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;#getanswers2002641&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4225,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:2,&quot;15&quot;:&quot;Arial&quot;}\">#getanswers2002641<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<script type=\"text\/javascript\" charset=\"utf-8\" src=\"http:\/\/w.sharethis.com\/widget\/?wp=6.2.9\"><\/script>","protected":false},"excerpt":{"rendered":"<p>Looking for FNS40821 \u2013 Certificate IV in Finance and Mortgage Broking? Get\u00a0a finance case study\u00a0from\u00a0case study expert. We&#8217;ve helped thousands of students with their assignments, and Success rates for our clients have reached up to 99%. We have made a reputation as the no.1\u00a0assignment writing service\u00a0in Australia. Assignment Detail: Words: 1000 + calculations each case [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[740],"tags":[],"_links":{"self":[{"href":"https:\/\/casestudyhelp.com\/sample-questions\/wp-json\/wp\/v2\/posts\/10489"}],"collection":[{"href":"https:\/\/casestudyhelp.com\/sample-questions\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/casestudyhelp.com\/sample-questions\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/casestudyhelp.com\/sample-questions\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/casestudyhelp.com\/sample-questions\/wp-json\/wp\/v2\/comments?post=10489"}],"version-history":[{"count":7,"href":"https:\/\/casestudyhelp.com\/sample-questions\/wp-json\/wp\/v2\/posts\/10489\/revisions"}],"predecessor-version":[{"id":10497,"href":"https:\/\/casestudyhelp.com\/sample-questions\/wp-json\/wp\/v2\/posts\/10489\/revisions\/10497"}],"wp:attachment":[{"href":"https:\/\/casestudyhelp.com\/sample-questions\/wp-json\/wp\/v2\/media?parent=10489"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/casestudyhelp.com\/sample-questions\/wp-json\/wp\/v2\/categories?post=10489"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/casestudyhelp.com\/sample-questions\/wp-json\/wp\/v2\/tags?post=10489"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}