Role play please help see below information

Comments Editing - Share cD AnBbCc[ AaBbCcDdE AaBbCcD AaBb( AaBbCCD AaBbCcDC AaBb Find AaBbCc 10icon Replace Onote 1 0Questi... 1 0section Ossssh 1 Answer. Assignm. Assignm. Dictate sensitivity Editor Add-ins Select Styles Editing Voice Sensitivity Editor Add in's Student response to Task 17: Question 1(a)()-(v) Client information collection tool/Fact finder For the client information collections tool/fact finder tasks, you will need to calculate government fees and charges as well as Lender Mortgage Insurance (LMI) where applicable. For this assignment, Helia, is your lender's LMI provider. Please use the Helia LMI calculator for all LMI loan serviceability calculations. There are links provided in the Toolbox to help you calculate the applicable fees and charges. If any aspect of the form does not apply to the applicants, mark N/A (not applicable) or leave blank . Calculators for Victorian Stamp Duty are available in the Toolbox. Appointment date: Student to insert date Appointment time: Student to insert time Applicant 1 Applicant 2 Surname Brown Brown Other names Phillip Jennifer Contact details Address Unit 12, 22 Wentworth Lane, Unit 12, 22 Wentworth Lane, Thomastown VIC 3074 Thomastown VIC 3074 Phone (W) 0419 123 456 0419 123 456 Phone (H) Mobile 0419 123 456 0412 987 654 Email philipb@ace.com.au jbrown@techcity.com.au Compliance Manager Empl Team Leader How long? 12 years 1 years Previous employer NA NA (if less than two vears How long ? NA NA Employment type Full time Full time (FT/PT/casual/self-employed Page 78 100% D. Focus 10:45 AM 1 971 ENG 1/11/2024 133 al 21'C Mostly cloudy +/ OK / 03 pLayout References Mailings Review View Help Home Insert Draw Design - 22 - A A Aa - A . . . BEN1 1 AaBbCc[ AaBbCcD( AaBbCcDC|AaBb Find AaBbCCD TOicon Onote 1 0Questi.. 1 0section Replace Ossssh Answer. 1 Assignm. 1 Assignm... = Dictate Editor Add-ins Select Styles Editing Voice Sensitivity Editor Add-ins Assets and liabilities Assets Liabilities Details Market value Details Monthly payments Amount owing Owner occupied property at: Mortgage with: Investment Property at: Mortgage wit Cash at bank $82k Car leasing (includes fixed deposits) Other cash $1.6k Personal loans $180 $5,600 (includes offset accounts) Deposit paid on property (only Overdraft f paid) Motor vehicles: $25,000 Other loans: $9,000 $40,000 Credit card limit $120 $200 Personal effects 4K $150 1.6k Business value Credit card limit: (if self-employed) SK Othe Shares and investments Other Superannuateon $90,000 other A Other assets (give detail Total liabilities $450 $7,400 Total assets $247,600 Surplus/deficiency (Total assets less Total liabilities $240,200 100% . FOCUS 10:45 AM 1 9 16 1 ENG 1/11/2024 33 all 21'C Mostly cloudy OK / [7 hpSearch AutoSave on 49 9 - ) = 10916948_CFMB_AS_v4A1_Submission] " Last Modified: 20h ago Review View Help Home Insert Draw Design Layout References Mailings File AaBbCc[ AaBbCCDc AaBbCc[ AaBbCcDdE A K Cut Calibri -22 - A" A Aa - Ap T_SA ind3 T Oforum 1 0icon Onote Paste LA Copy BI U - x X A- - A - v Format Painter Paragraph Clipboard Font Need CURRENT MONTHLY LIVING EXPENSES Provide a breakdown of the total amount listed in the case study Food/housekeeping $1200 Insurance (e.g. motor vehicles, home contents/ building, medical, life/income $320 protection) Utilities (e.g rates, gas, electricity, transport) $375 Transport (e.g. public transport, petrol, registration, repairs) $410 Education (e.g. school, college, university) So Dependants support (e.g. childcare, child maintenance) SO Entertainment (include online subscriptions, e.g. Netflix/Stan] $400 Other (detail below): So Personal expenses $200 MONTHLY LIVING EXPENSES $2905 10 11 12 13 15 16 18 Page 75 of 126 24380 words X English (Australia Type here to search Text Predictions Off Accessibility: Investigate Plandig It 9 X w ProDisplay P232 hpchloel harlies BS X Comments Editing ~ Share Find ~ Dc AaBbCc[ AaBbCCDdE AaBbCcD AaBb( AaBbCCD( AaBbCcDC|AaBb|AaBbCcD T Oicon Onote 1 0Questi... 1 0section Replace Ussssh 1 Answer. T Assignm. | Assignm.. Dictate Sensitivity Editor Add-ins Select ~ Styles Editing Voice Sensitivity Editor Add-ins Needs analysis Name of your current lender? Capital Bank 2 What type of loans do you have? Residential, owner occupied, fixed and variable interest rates. Principle interest and interest only with loan terms up to 30 years. Building and land offset accounts 3 Why did you choose this particular loan and lender? Both applicants already have savings, personal loan and credit cards to capital bank therefore thy are familiar with this lender What is the interest rate on your current loan? 6% p. a 5 What are your payments? Amount $180 6 Frequency Monthly Do you know the fees and charges? res 8 What is your proposed purpose for the new loan you are o buy their first home v applying for? 9 Branch access available with current lender yes 10 Internet banking available with current lender yes 11 Phone banking available with current lender yes 12 Lenders not to be considered None 13 Type of loan sought Variable interest rate 14 Preferred Interest rate range 69% 15 Payment frequency Fortnightly 16 Redraw Yes 17 Offset Yes 18 salary crediting Yes 19 Low fees and charges Yes 100% Focus 10:46 AM 21C Mostly cloudy ~ 4 ENG 1/11/2024 OK / 9c Onote 10Questi... 1 0section Ossash 1 Answer. 1 Assignm... I Assignm... Dictate Sensitivity Editor Add Select ~ Styles Editing Voice Sensitivity Editor Ad Anticipated fees and charges Anticipated purchase price $490,000 Deposit on property $50,000 Total Loan amount $449,430 LVR % 89.80% Purchase costs $21,370 Stamp duty on property Transfer Fee (electronic transaction $1,248.30 Solicitor/conveyancer fee $1,500 Rates and land taxes (estimate) So Pest inspection (estimate) $400 inspection (estimate) Building inspect $350 Borrowing costs $900 Application/establishment |Valuation fee $600 Security admin. 600 LMI $9,430 Registration o saction $50 rchase and bor $37,814.80 D. Focus 10:46 21"C Mostly cloudy 1 1ENG 1/11/20 hp OK / I U - ab x x A - P. A . E 1_SA ind3 1 0forum 1 Oicon Font Paragraph CFMB_AS_V4A1 Kaplan Education Pty Ltd. All rights reserved. Funds to complete PURCHASE AND LOAN COSTS AVAILABLE FUNDS Purchase price: $490,000 Deposit if already paid to agent: Lender application/valuation fees: $1500 Cash savings: 582 Stamp duty payable $21,370 Sale proceeds: O Transfer of Land $123.50 Land Transfer Fee Registration of mortgage 123.50 Gift: Land Titles Office https://www.land.vic.gov.au/land- registration/fees-guides-and- forms/transfer of-land-fees- calculator Solicitor fees. $15,000 FHOG Other Other: Transaction account 1600 Lenders mortgage insur $9,430.00 Other: super 90 added to loan TOTAL COSTS (A): $525,169.40 TOTAL OWN FUNDS (D $173,600 LOAN AMOUNT REQUESTED (B) $449,430.00 WN FUNDS REQUIRED ( $75,739.40 OWN FUNDS REQUIRED (A-B) = C SURPLUS/SHORTFALL (D-C) $97,860.60 Resubmission required? sor feedba Accessibility: Investigate W hp