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ASEW Case Studies · Client Scenario: Sam and Jo's First Home
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Client Scenario: Sam and Jo's First Home
Case study walkthrough: Case Study 8 — Sam and Jo, 29 and 27, First-Time Buyers (Joint). Practise the model answers as exam-style adaptive questions.
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Client background
Scenario Sam (29, accountant, £40,000) and Jo (27, nurse, £30,000). They have saved £25,000 jointly. They want to buy a house for £260,000. Sam has a student loan (Plan 2). Jo has no debts.
Question 3
True or false?
Scenario Sam (29, accountant, £40,000) and Jo (27, nurse, £30,000)
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Adviser Q&A
Question 5
Which term matches: "Student loan repayments reduce net income but the outstanding balance is NOT a debt in the mortgage sense — lenders deduct the monthly repay…"
Question 6
What does "Q2. What is the LTV and mortgage needed?" mean?
Question 7
Type the term that means: "Student loan repayments reduce net income but the outstanding balance is NOT a debt in the mortgage sense — lenders deduct the monthly repay…"
Question 8
Match each term in "Adviser Q&A" to its meaning
Tap a term, then tap its matching definition.
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Quick recap
Lock in the essentials before moving on.
Question 10
True or false?
Q2. What is the LTV and mortgage needed? — Purchase price: £260,000. Deposit: £25,000 (9.6%). Mortgage: £235,000. LTV = 90.4% — need a 90%+ LTV product