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RAMS could give you a Standard Variable Rate that's lower than the banks - Ask us!
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RAMS Easy Start

Enjoy a 3 year home loan honeymoon!

If you’d like lower repayments in the early years of your home loan, look no further than RAMS Easy Start.

You benefit from discounted3 variable rates for the first 3 years and a low ongoing rate. What you save in repayments you can use for other expenses such as furniture or landscaping. It’s ideal whether you’re a first home buyer or refinancing.

Product Key Benefits:

  • Discounted3, variable rates for 3 years
  • Low ongoing rate
  • Borrow up to 95%1 of the purchase price (or valuation if lower)
  • Up to 10 years2 interest only repayments
  • Access to overpayments with free redraw facility
  • RAMS Fast Track No cash deposit option
  • Lifestyle Option available



Scenario

The Problem:

Tony and Paula currently have a home loan of $180,000. They want to refinance their loan and reduce their monthly repayments. They like the idea of a ‘honeymoon’ loan, but don’t want to be caught out with a high ongoing rate at the end of the honeymoon period.

The Solution:

RAMS Easy Start is perfectly suited to Tony and Paula’s needs. They benefit from discounted3 variable interest rates for the first 3 years and a low ongoing rate. Plus they chose to make interest only repayments for the first 5 years, to minimise their monthly outgoings.

                                                                                                                                 "RAMS can, so you can"

Meet with a RAMS home loans specialist today. We're available 7 days a week and if it suits you better, we'll happily come to you.

Fees, conditions, limitations and lending criteria apply. New loans only. The product conditions set out in this document apply to loans available through RAMS Home Loan Centres. 1Funds to cover transaction costs and deposit required. Subject to loan serviceability. If for investment purposes, must hold 20% of the purchase price in equity in other residential real estate or income earning assets. 210 year IO option available for investment purposes only. 3Rates discounted off the RAMS Easy Start Variable Rate.