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  • Home loan calculators

    Whether buying a new home, refinancing an existing home loan or investing in property, RAMS mortgage calculators can give you an estimate of what your repayments could be. Your local RAMS franchisee can also help guide you through this process.

  • How much could I borrow?

    $
    $
    $
    $

    You could borrow up to

    ${{data.loans[0].borrowingPower | number:0}}

    Assuming a {{ data.loans[0].loanPeriod.initial }} year term

    at an interest rate of {{ data.loans[0].interestRate.ongoing.percent }} % p.a.

    Call us on 13 RAMS, thats 13 7267 about your situation to find the best solution for you.

    How much could my repayments be?

    $
    years
    % p.a.

    Based on the amount you want to borrow, an estimate of your minimum repayments is

    ${{ data.loans[0].calculators.initial.initialRepaymentByPeriodTotal | number:2}} a

    over {{ data.loans[0].loanPeriod.initial }} years

    Call us on 13 RAMS, thats 13 7267 about your situation to find the best solution for you.

    See how much interest you can save by increasing your repayments

    Total payable

    ${{data.loans[0].calculators.initial.total.payable | number:2}}

    Interest - ${{data.loans[0].calculators.initial.total.interest | number:2}}

    Principal - ${{data.loans[0].calculators.initial.total.principle | number:2}}

    If {{applicantDictionary(tmp.applicants, 'object')}} repayments are $ {{ data.loans[0].calculators.compare.comparisonRepaymentByPeriodTotal | number:2}} a

    Total payable

    ${{data.loans[0].calculators.compare.total.payable | number:2}}

    Interest - ${{data.loans[0].calculators.compare.total.interest | number:2}}

    Principal - ${{data.loans[0].calculators.compare.total.principle | number:2}}


    Total interest saved

    ${{data.loans[0].calculators.compare.saving.amount | number:2}}

    What are the upfront & ongoing costs?

    $
    $

    Your estimated upfront costs would be

    ${{ data.loans[0].calculators.upfrontCosts.totalUpfrontCosts | number:0 }}

    and your estimated ongoing costs would be

    ${{ data.loans[0].calculators.ongoingCosts.totalOngoingCosts | number:0 }} per month

    Cost Breakdown

    Government

    $ {{ data.loans[0].calculators.upfrontCosts.government.mortgageRegistration | number : 0}}

    $ {{ data.loans[0].calculators.upfrontCosts.government.transfer | number : 0}}

    $ {{ data.loans[0].calculators.upfrontCosts.government.stampDuty | number : 0 }}

    $ {{ data.loans[0].calculators.upfrontCosts.government.firstHomeGrant | number : 0}}

    $ {{ data.loans[0].calculators.upfrontCosts.government.mortgageDuty | number : 0}}




    RAMS fees

    $ {{ data.loans[0].calculators.upfrontCosts.bank.settlement | number : 0}}

    $ {{ data.loans[0].calculators.upfrontCosts.bank.loanEstablishment | number : 0 }}




    Lender's Mortgage Insurance

    $ {{ data.loans[0].calculators.upfrontCosts.lmi| number : 0}}




    Other costs to consider

    $ {{ data.loans[0].calculators.upfrontCosts.movingFee.value | number: 0 }}

    $ {{ data.loans[0].calculators.upfrontCosts.pestInspection.value | number: 0 }}

    $ {{ data.loans[0].calculators.upfrontCosts.conveyancingFee.value | number: 0 }}

    Repayments

    $ {{ data.loans[0].calculators.ongoingCosts.repayments | number : 0}}/month

    a {{ data.loans[0].loanPeriod.initial }} year term at an interest rate of {{ data.loans[0].interestRate.ongoing.percent }} % p.a.




    RAMS fees




    Other costs to consider

    $ {{ data.loans[0].calculators.ongoingCosts.strata.value | number: 0 }} /month

    $ {{ data.loans[0].calculators.ongoingCosts.council.value | number: 0 }} /month

    $ {{ data.loans[0].calculators.ongoingCosts.utility.value | number: 0 }} /month

    $ {{ data.loans[0].calculators.ongoingCosts.maintenance.value | number: 0 }} /month

    $ {{ data.loans[0].calculators.ongoingCosts.homeContentInsurance.value | number: 0 }} /month

  • Knowledge Centre

  • RAMS Saver

    RAMS Saver is a completely online savings account, easily managed via myRAMS where you can deposit, withdraw and transfer funds.

     

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  • Great Australian Dream

  • DISCLAIMER:

    *Please note: The comparison rate for the relevant product is based on a loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

    Value Advantage package.  Discount is off the annual percentage rate ordinarily applicable to the selected loan and is based on loan type and Total Customer Borrowings. Total Customer Borrowings includes the total loan amounts for any existing RAMS home loans as well as any new loan being applied for (and is based on the total credit limit for each loan) but excludes any bridging loans. The Value Advantage Package is not available to customers who have taken up the Limited Genuine Savings option for the first two years of their loan. Value Advantage Package is available on selected RAMS Home Loans and is subject to an Annual Service Fee of $375. There will only be one Annual Service fee charged per Value Advantage Package. The Annual Service Fee is charged to a loan account under your Value Advantage Package once every year. Value Advantage Package - conditions apply.