Based on the scenario for John and Lisa $($Details$/$Video$/$Transcript$)$ you have created the deal in MYCRM and you have just completed your First Chat with John and Lisa.

To complete your File notes and Goal Setter in MYCRM$,$ please summarise the key Requirements and Objectives of the

customer using the below guidelines.

Use the scenario down below:Scenario $2$: Refinancing Customer $$ John and Lisa Smith

Details

Meeting Held $22/09/2023$

Broker Reference number and ID $145/145895$

Applicant Information:

John Smith, $35$ years old

Married to Lisa with a $4-$year$-$old child

Date of Birth: $01/05/1988$

Home Address: $123$ Main Street, Melbourne, VIC $3000.$

At address since: $08/05/2017$

Citizenship: Australian

Email Address: john.smith@email.com

Mobile Number: $0458587589$

Driver's License Number: $7895874$

Mother's Maiden Name: King

Nearest Relative Not Living with You:

Full Name: Joan King

Home Address: $789$ Oak Road, Melbourne, $3006.$

Phone Number: $0458785960$

Lisa Smith, $33$ years old

Married to John with a $4-$year$-$old child.

Date of Birth: $27/05/1990$

Home Address: $123$ Main Street, Melbourne, VIC, $3000$

At address since: $08/05/2017$

Citizenship: Australian

Email Address: lisa.smith@email.com

Mobile Number: $0148258782$

Driver's License Number: $7788996$

Mother's Maiden Name: Nicks

Nearest Relative Not Living with You:

Full Name: Joan King

Home Address: $789$ Oak Road, Sydney, NSW

Phone Number: $0458785960$

Employment Information $-$ John's occupation: IT Consultant, annual gross income: $$190,000$

Employer: Software $360$ PTY LTD

Employer Address: $239$ Colins Street, Melbourne CBD$.3000$

Start Date: $08/07/2019$

Supervisor Name: Dean Hu

Supervisor Phone: $0389742547$

Employment Information $-$ Applicant $2$: Lisa's occupation: Part$-$time teacher, annual gross income:

$$45,000$

Employer: Melbourne Grammer High School

Employer Address: $78$ Brown Rd$,$ Melbourne, $3000.$

Start Date: $03/05/2018$

Supervisor Name: Mrs Jill Parker

Supervisor Phone: $0398745987$

Homeowners with an estimated home value of $$750,000$

Property type: Strata unit

Loan Request:

Loan amount requested: $$450,000$

Purpose: Refinancing existing mortgage $$350,000$ and additional funds for a new car and non$-$

structural renovations $$100,000.$

Current loan type: Fixed$-$rate with principal and interest repayments

Current fixed term remaining: $6$ months

Total remaining loan term: $20$ years

Desired loan type: Variable rate with principal and interest repayments, extending the loan term to

$30$ years if possible.

Credit Scores:

John's credit score: $720($Good$)$

Lisa's credit score: $480($Average$,$ with past overdue utility bills$)$

Current Liabilities:

Current ANZ mortgage balance: $$350,000$ with monthly mortgage payment of $$2,500$ @ $5\%$ principle

and interest repayments.

John's student loan balance: $$24,000($use ATO Student Loan Calculator to find minimum monthly

repayments ATO Student Loan Calculator$).$

Lisa's ANZ credit card balance: $$5,000,$ with a limit of $$10,000$

Lisa's CBA personal loan balance: $$24,000,$ with monthly repayments of $$450,11\%$ interest rate and $5$

years remaining. $(60$ months$).$

Monthly Living Expenses:

Monthly living expenses: Approximately $$3,200($covers utilities, groceries, recreation, insurance,

transportation, childcare, etc.$)$

Additional $$500$ per month for strata property fees and private health insurance

Assets:

Joint ANZ Savings: $$65,000$

Combined HESTA superannuation: $$150,000$

$4$x$4$ vehicle value: Approximately $$25,000$

Estimated home contents value: $$25,000$

Carded Interest Rate on proposed loan $6\%.$