Case Study 9 (Interpretation of Data)

Discretionary SpenD

Applicant: Sky and Nathan Goal: To buy a first home Channel: Broker

Scenario 6.png

Questions to Consider

  • What is the right approach when people are clearly at a life change moment – are benchmarks the right option when historical expenses are not predictive of future ones?

  • How should a pattern of regular saving be factored in to assessing serviceability – does that indicate that expenses can be managed? And if so, does that mean discretionary expenses might be discounted?