have had the Game Plans signed by each client and the below is where each client$/$s wants to obtain finance from:

Lender

Client $1$ BankSA

Clients $2$

Brunswick $-$ AMP $-$ cashback $$3000$

Fremantle $-$ Adelaide Bank $-$ cashback $$2000$

Nundah $-$ Bank of Queensland $-$ cashback $$4000$

$*$as cashback offers differ all the time, for this example we will state the information above to the clients

Client $3$ CBA

Your task is to research each lender based on their requirements. Identify and match products based on their needs and expectations, seek advice from relevant BDMs if needed and organise the product information to prepare a video presentation according to the clients level of understanding. $($Please note there are $3$ different clients here all with different knowledge levels in finance$)$

FNSFMB$412$ Scenario sheet

In your video you need to explain product options, fees, charges, any risks involved, so have a look at each lenders website and discuss the current relevant information in your response.

The assessor is looking for clear communication skills here with relevant product choices based on the lenders chosen by the clients from the Game Plan that was signed.

$*$Upload three seperate video files, one for each client group.

If required, add a note or written response to accompany your submission

Each file uploaded can be no more than $1$GB$,$ uploaded files can be removed before submission

ldris does not have a lot of superannuation; he has $$125,000$ with Health super.Clients $2-$Bill and Kate CambridgeBill and Kate live in Kensington, Sydney. Their home is worth $$2,300,000.$ It is owned outright. Theyhave come to you because they have $3$ investment properties, one in Brunswick Victoria, one inFremantle WA and one in Nundah Qld$,$ all worth similar amounts. They are wanting to completesome minor renovations on these and feel an easy way to do this is by refinancing and getting somecash back if they canYour colleague organised valuations in readiness for this and they came back as folows:Brunswick is worth $$590,000$Fremantle is worth S$605\mathrm{.}000$Nundah is worth $$575,000$They all are currently financed with Judo Bank and Bill and Kate are more than happy to have $3$different lenders and keep it all separate and get $3$ cashbacks. They prefer a fixed rate to keep it inline with their rental incomes. $2-3$ years would be a good term. Offsets not needed as these are taxdeductibleThey have $3$ young children $($triplets aged $4),$ and Bill works full time for The Art Gallery of NSW andearns $$145,000.$ Kate works part time as a primary school art teacher and her income is $$50,000.$Brunswick property $-$owes $$300,000-$ rent income $$400$ per weekFremantle property$-$ owes $$300,000-$rent income $$450$ per weekNundah property $-$ owes $$300,000-$ rent income $$500$ per weekBill and Kate have $2$ credit cards, Bils has a limitof $55000$ and owes S$1000,$ keS$1000,$ Kate has a limit of $$1000$They have a share portfolio with Vanguard that is worth around $$320000$ They also have a iointself$-$managed superannuation fund with $$1,200,000$ current value. This is also with Vanguard.Client $3-$ Margot RobbieumeMargot is looking to buy her first home; she still loves at home with Mum. Dad passed away lastyear and left her $$50,000$ to buy a home when she was ready. She also has $$35,000$ saved so is in agood position.ment.JoinMargot works at JB Hi Fi in Elizabeth St Melbourne. Margot earns $$60,000.$ She is looking to buy anaparthas no children and isHer superannuation iswith Host plus and is worth $$40,000.$Margot has no debts at all and only has a Step pay facility with CommBank who she banks with, sheonly uses this when she is shopping for clothes to pay in instalments, there is nothing owingpresently. Her banking is all CBA, and she has her cash held in an online savings account with CBAearning minimal interest so would rather buy a home and start paying it of$.$Margot is not fussed about fixed or variable it really depends on which has the best flexibility andrenavment ctrurture che oenerallv has arnind $$200$n in her arrnunt mnct of the timeClient $1-$ldris Elbaentryldris has recently moved to Adelaide from Melbourne and is looking to buy in Henley Beach. He has$$400,000$ cash in a savings account with ANZ. This is from his Melbourne property sold last year ashe is renting month by month at the moment in Adelaide. He is looking for a townhouse and theyhave been going for $$950,000$ lately.EducationIdris has been self employed as a Software Developer for $15$ years. His income is generally $$190,000$het promeshe owes $$400,000$ to AMP with this loan. His rental income is $$650$ per week. He pays child supportof $$300$ per month for his $16-$year$-$old daughter. She will only visit on school holidays. Idris is keenon having an offset account or two with his loan and prefers a variable rate for flexibility.Idris does not have a lot of superannuation; he has $$125,000$ with Health super.Clients $2-$ Bill and Kate CambridgeCeeBill and Kate live in Kensington, Sydney. Their home is worth $$2,300,000.$ It is owned outright. Theyet p$7$