Case study 2 — Mary Azacca Assignment

Case study 2 — Mary Azacca

Background

Mary has an existing home loan with an online lending provider. Lately Mary has been discussing her loan, the lender and interest rate with her friends and work colleagues. They all keep telling her she needs to shop around for a better deal. Mary is also getting tired of the lack of service available to her when she has a question and just wants to speak to someone who can help her. Another issue is that she cannot incorporate her existing banking facilities with her home loan causing her endless frustration.

Mary is currently single, after being divorced two years ago. Whilst she received sufficient funds from the settlement to purchase a home of her own, she still has a reasonably sized mortgage. Mary loves where she lives; and her four-bedroom, two-bathroom home is on a large corner block of land. While the property may seem large for one person, Mary does not want to downsize for at least another five years. She wants to be able to accommodate her young adult children until they are established in their own homes.

Mary’s children are age 23 and 21. Both have good jobs and are financially independent of their parents.

Mary was referred to you by her work colleague, Adib Bursal, who has used your brokering services for several years. Adib rated your services highly and Mary is anticipating excellent service from you. While Mary has had several home loans in the past (with her now ex-husband), she is relatively new to making these big decisions on her own. She is looking for guidance and advice on the best solution for her to refinance her mortgage from Simply Home Loans Ltd.

Your first meeting with Mary was via Zoom. After this meeting, Mary provided the basic information and documents — pay slips, tax returns, bank statements and property rates notice for verification. You have now undertaken your preliminary assessment and need to discuss and present her with a proposal covering the options and your recommendations.

The following is a summary of Mary’s personal information, financial and employment details, property details and the loan features she requires:

Mary Jones

Current address8 North Road, Rockingham WA 6168
Lived there for two years
Home phone(08) 8594 6168

Employment and income

Mary (age 45)

PositionNursing unit Manager (full time/shift work)
EmployerAllied Health Services Ltd, Perth WA 6000
Phone0439 258 478
Income (gross)$95,000 p.a., monthly gross income: $7,917
Employer contactAndrew Jenkins CEO
Length of service18 years
Driver’s licence25974MV
Emailmary.azacca@gmail.com

Living expenses

Annual expenditure for living expenses — $28,000.

Assets

House — 8 North Road, Rockingham WA 6168$550,000
Western Bank savings account$24,000
Western Bank term deposit$10,000
Holden Commodore SS 2007$25,000
Nissan Qashqai 2019$25,000
Indian Scout Motorcycle 2018$18,000
Share portfolio$15,000
Superannuation — HESTA$480,000
Household effects (insured value)$115,000

The property/security

Address8 North Road, Rockingham, WA 6168
Description4-bedroom, 2-bathroom House, 700 sqm block
Purchase price (two years ago)$450,000
Valuation$550,000
Valuing real estate agentLloyds Real Estate
Valuing agent’s landline(08) 8123 1113
Valuing agent’s mobile0415 990 099

Liabilities

Home loan — current balance$330,000
Western Bank Visa card$700 (Limit $5,000)

Payments have always been met on time and any prior loans repaid in terms of contracts. The minimum monthly commitment on the credit card should be calculated at 3% of the credit limit.

Existing lender/loan details

LenderSimply Home Loans
Loan account number34-451-9955
Original loan amount$360,000
Original loan term25 years
Monthly repayments$2,292
Current variable interest rate4.80% p.a.
Outstanding balance$330,000
Lump sum payment made after 12 months$20,000

The loan requirements

  • 20-year term
  • premium option home loan features
  • variable interest rate (for this case use 4.0% p.a.)
  • ability to make additional payments from time to time without penalty
  • fortnightly repayment option
  • redraw facility
  • offset account
  • funds access via card.

Other information

  • Mary does not like to pay monthly servicing fees for several products and would like to know more about packaged loan products.
  • The residential property market has been improving in Perth and Mary believes her home has gone up in value since she purchased it two years ago.
  • Mary wants to stay in this property for another five years before considering down-sizing.
  • Mary has plans to take six months leave to travel around Australia in two years’ time. She will take three months long service leave and three months without pay.
  • Mary works shift work every fortnight earning overtime. This can often equate to $750 gross per month in overtime pay.
Order Now

Get expert help for Case study 2 — Mary Azacca Assignment and many more. 100% safe, Plag free, 24X7 support, Order Online Now!

No Fields Found.
Universal Assignment (April 5, 2026) Case study 2 — Mary Azacca Assignment. Retrieved from https://universalassignment.com/case-study-2-mary-azacca-assignment/.
"Case study 2 — Mary Azacca Assignment." Universal Assignment - April 5, 2026, https://universalassignment.com/case-study-2-mary-azacca-assignment/
Universal Assignment July 8, 2022 Case study 2 — Mary Azacca Assignment., viewed April 5, 2026,<https://universalassignment.com/case-study-2-mary-azacca-assignment/>
Universal Assignment - Case study 2 — Mary Azacca Assignment. [Internet]. [Accessed April 5, 2026]. Available from: https://universalassignment.com/case-study-2-mary-azacca-assignment/
"Case study 2 — Mary Azacca Assignment." Universal Assignment - Accessed April 5, 2026. https://universalassignment.com/case-study-2-mary-azacca-assignment/
"Case study 2 — Mary Azacca Assignment." Universal Assignment [Online]. Available: https://universalassignment.com/case-study-2-mary-azacca-assignment/. [Accessed: April 5, 2026]

Please note along with our service, we will provide you with the following deliverables:

Please do not hesitate to put forward any queries regarding the service provision.

We look forward to having you on board with us.

Categories

Get 90%* Discount on Assignment Help

Most Frequent Questions & Answers

Universal Assignment Services is the best place to get help in your all kind of assignment help. We have 172+ experts available, who can help you to get HD+ grades. We also provide Free Plag report, Free Revisions,Best Price in the industry guaranteed.

We provide all kinds of assignmednt help, Report writing, Essay Writing, Dissertations, Thesis writing, Research Proposal, Research Report, Home work help, Question Answers help, Case studies, mathematical and Statistical tasks, Website development, Android application, Resume/CV writing, SOP(Statement of Purpose) Writing, Blog/Article, Poster making and so on.

We are available round the clock, 24X7, 365 days. You can appach us to our Whatsapp number +1 (613)778 8542 or email to info@universalassignment.com . We provide Free revision policy, if you need and revisions to be done on the task, we will do the same for you as soon as possible.

We provide services mainly to all major institutes and Universities in Australia, Canada, China, Malaysia, India, South Africa, New Zealand, Singapore, the United Arab Emirates, the United Kingdom, and the United States.

We provide lucrative discounts from 28% to 70% as per the wordcount, Technicality, Deadline and the number of your previous assignments done with us.

After your assignment request our team will check and update you the best suitable service for you alongwith the charges for the task. After confirmation and payment team will start the work and provide the task as per the deadline.

Yes, we will provide Plagirism free task and a free turnitin report along with the task without any extra cost.

No, if the main requirement is same, you don’t have to pay any additional amount. But it there is a additional requirement, then you have to pay the balance amount in order to get the revised solution.

The Fees are as minimum as $10 per page(1 page=250 words) and in case of a big task, we provide huge discounts.

We accept all the major Credit and Debit Cards for the payment. We do accept Paypal also.

Popular Assignments

Professional Nursing Assignment Help for Students: Achieve Academic Excellence with Expert Support

Introduction Nursing is a demanding field that combines theoretical knowledge with practical skills. Students pursuing nursing courses often face challenges in completing assignments that require accuracy, critical thinking, and real-world application. This is where nursing assignment help becomes an essential academic support system. With increasing academic pressure and clinical responsibilities,

Read More »

Economics Assignment Help: A Complete Guide for Students

Introduction Economics is a fundamental subject that helps students understand how markets, governments, and individuals make decisions regarding resources. While it is highly relevant in today’s world, many students find economics assignments challenging due to complex theories, graphs, and data analysis. This is where economics assignment help becomes extremely useful.

Read More »

Law Assignment Help: A Complete Guide for Students

Introduction Law is a complex and intellectually demanding field that requires critical thinking, analytical skills, and a deep understanding of legal principles. Students pursuing law often face challenges in completing assignments due to extensive research requirements and intricate case analysis. This is where law assignment help becomes highly beneficial. With

Read More »

Nursing Assignment Help: A Complete Guide for Students

Introduction Nursing is a highly respected and demanding field that requires a strong understanding of medical concepts, patient care, and clinical practices. Students pursuing nursing often face intense academic pressure due to complex assignments, practical responsibilities, and tight deadlines. This is where nursing assignment help becomes essential. With expert assistance,

Read More »

Finance Assignment Help: A Complete Guide for Students

Introduction Finance is a core subject in business and management studies, covering areas like investment analysis, financial management, and risk assessment. While it offers excellent career opportunities, many students find finance assignments challenging due to complex calculations and analytical concepts. This is where finance assignment help becomes essential. With expert

Read More »

Computer Science Assignment Help: A Complete Guide for Students

Introduction Computer Science is one of the most popular and dynamic fields of study, offering vast career opportunities in software development, data analysis, cybersecurity, and more. However, students often face difficulties in completing assignments due to the technical complexity and time constraints. This is where computer science assignment help becomes

Read More »

Digital Marketing Assignment Help: A Complete Guide for Students

Introduction Digital marketing has become a vital part of modern business strategies, making it a popular subject among students worldwide. From social media campaigns to search engine optimization, the field is dynamic and constantly evolving. However, completing assignments in this subject can be challenging due to its practical and analytical

Read More »

Cloud Computing Assignment Help: A Complete Guide for Students

Introduction Cloud computing has become a fundamental part of modern technology, powering everything from mobile apps to enterprise systems. As universities increasingly include this subject in their curriculum, students often find it challenging to keep up with assignments and projects. This is where cloud computing assignment help becomes essential. With

Read More »

Blockchain Assignment Help: A Complete Guide for Students

Introduction Blockchain technology has rapidly gained popularity across industries such as finance, healthcare, and supply chain management. As a result, it has become an important subject in academic programs worldwide. However, students often struggle with its technical concepts and practical applications. This is where blockchain assignment help becomes highly valuable.

Read More »

Data Science Assignment Help: A Complete Guide for Students

Introduction Data Science has become one of the most in-demand fields in today’s digital era, combining statistics, programming, and analytical thinking. However, many students find it difficult to keep up with the complexity of assignments and projects in this subject. This is where data science assignment help plays a crucial

Read More »

Artificial Intelligence Assignment Help: A Complete Guide for Students

Introduction Artificial Intelligence (AI) is transforming industries across the globe, making it one of the most sought-after academic subjects today. However, mastering AI concepts and completing assignments can be challenging for many students. This is where artificial intelligence assignment help becomes essential. With expert guidance, students can better understand complex

Read More »

Assignment Writing Services: A Complete Guide for Students

Introduction Assignments are a crucial part of academic life, helping students develop knowledge, research skills, and critical thinking. However, managing multiple assignments along with exams and personal responsibilities can be overwhelming. This is where assignment writing services become highly beneficial. These services provide expert assistance, helping students complete their assignments

Read More »

Blockchain Assignment Help: A Complete Guide for Students

Introduction Blockchain technology has emerged as one of the most revolutionary innovations in recent years. From cryptocurrencies to secure data management, blockchain is transforming industries like finance, healthcare, and supply chain. Students studying blockchain often face challenges due to its technical concepts and real-world applications. This is where blockchain assignment

Read More »

Assignment Writing Services: A Complete Guide for Students

Introduction Assignments are a crucial part of academic life, helping students develop knowledge, research skills, and critical thinking. However, managing multiple assignments along with exams and personal responsibilities can be overwhelming. This is where assignment writing services become highly beneficial. These services provide expert assistance, helping students complete their assignments

Read More »

Academic Writing Services: A Complete Guide for Students

Introduction Academic writing is a fundamental part of education, requiring students to produce essays, research papers, case studies, and dissertations. It demands strong writing skills, proper structure, and in-depth research. However, many students struggle with academic writing due to time constraints and lack of expertise. This is where academic writing

Read More »

Online Homework Help Services: A Complete Guide for Students

Introduction Homework is an essential part of a student’s learning process, helping reinforce classroom knowledge and improve understanding. However, with increasing academic pressure and multiple responsibilities, students often struggle to complete their homework on time. This is where online homework help services become highly beneficial. They provide expert guidance, save

Read More »

Thesis Writing Help: A Complete Guide for Students

Introduction A thesis is one of the most important academic documents a student will write during their educational journey. It requires in-depth research, critical analysis, and a clear presentation of ideas. However, many students find thesis writing overwhelming due to its complexity and time-consuming nature. This is where thesis writing

Read More »

Essay Writing Help: A Complete Guide for Students

Introduction Essay writing is a fundamental part of academic life, helping students express their ideas, analyze topics, and develop critical thinking skills. Whether it’s argumentative, descriptive, or analytical, writing a high-quality essay requires proper structure, research, and clarity. However, many students struggle with essay writing due to time constraints and

Read More »

Content Writing Assignment Help: A Complete Guide for Students

Introduction Content writing has become a crucial skill in the digital era, playing a key role in blogging, marketing, and online communication. From academic essays to website content, strong writing skills are essential for students across all fields. However, many students struggle with structuring content, maintaining clarity, and optimizing for

Read More »

Digital Marketing Assignment Help: A Complete Guide for Students

Introduction Digital marketing has become one of the most important skills in today’s online-driven world. From social media marketing to search engine optimization (SEO), businesses rely heavily on digital strategies to reach their audience. Students studying digital marketing often face challenges in understanding strategies, tools, and real-world applications. This is

Read More »

UI/UX Design Assignment Help: A Complete Guide for Students

Introduction UI/UX design is a crucial aspect of modern digital products, focusing on creating visually appealing and user-friendly interfaces. From websites to mobile apps, good design enhances user experience and engagement. Students studying UI/UX design often face challenges in creativity, tools, and usability principles. This is where UI/UX design assignment

Read More »

Can't Find Your Assignment?