Harrison Ford Income: $80,000 Savings: $40000 Work history: Been with company for 13 months and previous...

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Harrison Ford Income: $80,000 Savings: $40000 Work history: Been with company for 13 months and previous employment was for 5 years Liabilities: Has none Info: Wants to buy a house in Mernda, purchase price should be $350,000. Ideally wants a loan with a low interest rate and a quick pre approval as he wants to make an offer this weekend. Carrie Fisher Income: $55,000 Savings: $3000 Work history: Just started first job after university Liabilities: Has a HELP debt owing $55,000 Has a credit card owing $5000 with a limit of $3000 Info: Wants to buy a house in Doreen, purchase price should be $400,000. Has not started looking yet but her friends live there and she likes the area. Ryan Gosling Income: $125,000 Savings: $5000 in offset account Work history: Been with company for 10 years Liabilities: The home loan owing $250,000 and a credit card limit $10,000 owing $125.00 Info: To refinance the home loan and save interest. Loan is currently with CBA and wants a better. deal. Interested in buying a new Prius so would need $50,000 for this. Section 2 Harrison Carrie Ryan Lender: NAB Lender: Adelaide Bank Lender: Macquarie Forms needed: Forms needed: NAB ID form Adelaide bank ID form NAB application form (sign on page 1) (sign on page 3) First home owners form Monthly living expenses form Adelaide bank application form Monthly living expenses form Current Service level agreement timeframes to conditional approval: 5 business days Section 3 Current Service level agreement timeframes to conditional approval: 2 business days Forms needed: Macquarie ID form (sign on page 8) Loan application form Monthly living expenses form Current Service level agreement timeframes to conditional approval: 1 business day NAB have advised the living expenses should be at least $2100 based on the Household Expenditure model. The income appears to be incorrect you will need to adjust the income in the application. Refer to the 3 payslips and check against what was advised initially. Section 4 Review Carries application with Adelaide Bank, she has provided you with her credit card statement and you did not check it. You also did not notice she told you it was over the limit. Subsequently the loan has been declined. Southern Cross Payslip for Fisher, Carrie Payment date ABN 12345678 21/06/2022 Payment period 6/6/2022 to 19/6/2022 Gross pay: $2128.00 Description Hours Rate Amount YTD Type Base hourly 76 $28.00 $2128.00 $3192.00 Wages PAYG -$368.00 -$552.00 Tax withholding Holiday leave 5.85 8.77 Entitlements accrual Superannuation guarantee Net pay: $1760 Credited to: NAB 083 222 Account 123456 $212.80 $319.20 Superannuation expenses Payslip for Ford, Harrison Payment date 21/06/2022 Payment period 6/6/2022 to 19/6/2022 Gross pay: $2772.42 Description Hours Rate Amount YTD Type Base hourly 76 $36.00 $2772.42 $71,345.00 Wages PAYG -$591.00 -$12765.00 Tax withholding Holiday leave 3.85 134.77 Entitlements accrual Superannuation guarantee Net pay: $2181.42 Credited to: Bankwest 303 222 Account 909456 $312.80 $3219.20 Superannuation expenses Entry Cleaning Payslip for Payment date Gosling, Ryan ABN 123666756 21/06/2022 Payment period 6/6/2022 to 19/6/2022 Gross pay: $4808.00 Description Hours Rate Amount YTD Type Base hourly 76 $63.26 $4808.00 $122,345.00 Wages PAYG -$1302.00 -$12765.00 Tax withholding Holiday leave 3.85 134.77 Entitlements accrual Superannuation guarantee Net pay: $3506.00 Credited to: ANZ 013 222 Account 906556 $480.80 $6908.20 Superannuation expenses Bank Monthly Living Expenses sheet Food and Groceries 800 Bills 100 Communication 50 Clothing and personal care 25 Transport 60 Medical Health Fitness 30 Insurance 25 Travel and entertainment 100 Children and pets Total 1190 Harrison Ford Harrison Ford Income: $80,000 Savings: $40000 Work history: Been with company for 13 months and previous employment was for 5 years Liabilities: Has none Info: Wants to buy a house in Mernda, purchase price should be $350,000. Ideally wants a loan with a low interest rate and a quick pre approval as he wants to make an offer this weekend. Carrie Fisher Income: $55,000 Savings: $3000 Work history: Just started first job after university Liabilities: Has a HELP debt owing $55,000 Has a credit card owing $5000 with a limit of $3000 Info: Wants to buy a house in Doreen, purchase price should be $400,000. Has not started looking yet but her friends live there and she likes the area. Ryan Gosling Income: $125,000 Savings: $5000 in offset account Work history: Been with company for 10 years Liabilities: The home loan owing $250,000 and a credit card limit $10,000 owing $125.00 Info: To refinance the home loan and save interest. Loan is currently with CBA and wants a better. deal. Interested in buying a new Prius so would need $50,000 for this. Section 2 Harrison Carrie Ryan Lender: NAB Lender: Adelaide Bank Lender: Macquarie Forms needed: Forms needed: NAB ID form Adelaide bank ID form NAB application form (sign on page 1) (sign on page 3) First home owners form Monthly living expenses form Adelaide bank application form Monthly living expenses form Current Service level agreement timeframes to conditional approval: 5 business days Section 3 Current Service level agreement timeframes to conditional approval: 2 business days Forms needed: Macquarie ID form (sign on page 8) Loan application form Monthly living expenses form Current Service level agreement timeframes to conditional approval: 1 business day NAB have advised the living expenses should be at least $2100 based on the Household Expenditure model. The income appears to be incorrect you will need to adjust the income in the application. Refer to the 3 payslips and check against what was advised initially. Section 4 Review Carries application with Adelaide Bank, she has provided you with her credit card statement and you did not check it. You also did not notice she told you it was over the limit. Subsequently the loan has been declined. Southern Cross Payslip for Fisher, Carrie Payment date ABN 12345678 21/06/2022 Payment period 6/6/2022 to 19/6/2022 Gross pay: $2128.00 Description Hours Rate Amount YTD Type Base hourly 76 $28.00 $2128.00 $3192.00 Wages PAYG -$368.00 -$552.00 Tax withholding Holiday leave 5.85 8.77 Entitlements accrual Superannuation guarantee Net pay: $1760 Credited to: NAB 083 222 Account 123456 $212.80 $319.20 Superannuation expenses Payslip for Ford, Harrison Payment date 21/06/2022 Payment period 6/6/2022 to 19/6/2022 Gross pay: $2772.42 Description Hours Rate Amount YTD Type Base hourly 76 $36.00 $2772.42 $71,345.00 Wages PAYG -$591.00 -$12765.00 Tax withholding Holiday leave 3.85 134.77 Entitlements accrual Superannuation guarantee Net pay: $2181.42 Credited to: Bankwest 303 222 Account 909456 $312.80 $3219.20 Superannuation expenses Entry Cleaning Payslip for Payment date Gosling, Ryan ABN 123666756 21/06/2022 Payment period 6/6/2022 to 19/6/2022 Gross pay: $4808.00 Description Hours Rate Amount YTD Type Base hourly 76 $63.26 $4808.00 $122,345.00 Wages PAYG -$1302.00 -$12765.00 Tax withholding Holiday leave 3.85 134.77 Entitlements accrual Superannuation guarantee Net pay: $3506.00 Credited to: ANZ 013 222 Account 906556 $480.80 $6908.20 Superannuation expenses Bank Monthly Living Expenses sheet Food and Groceries 800 Bills 100 Communication 50 Clothing and personal care 25 Transport 60 Medical Health Fitness 30 Insurance 25 Travel and entertainment 100 Children and pets Total 1190 Harrison Ford