CIVMB_AS_v3A3 Assignment: Finance Case Study Analysis and Report

This assignment is a comprehensive case study analysis designed for students pursuing a Certificate IV in Finance and Mortgage Broking. It presents two case studies: Clinton and Jennifer Andrews, seeking to purchase an investment property, and Tony and Lorraine Denton, requiring financial advice. The assignment tasks require students to gather and document client information, assess their financial situations, evaluate responsible lending obligations, and provide suitable recommendations. Students must analyze client details, including income, assets, liabilities, and expenditure, to determine loan suitability and advise on financial strategies. The assignment covers various aspects of mortgage broking, including interest rates, equity utilization, credit history impact, and external dispute resolution. It also tests the ability to apply financial knowledge, analyze client needs, and provide professional financial advice while adhering to responsible lending obligations. The assignment includes detailed feedback from an assessor, indicating areas where further improvement is needed, particularly in initial disclosures, client information gathering, assessing the client's situation, making recommendations, and understanding responsible lending obligations.