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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 SE Pro Pack

Discounted rates and low paperwork for the self-employed

If you have total RAMS borrowings of $150,000 or more, a RAMS SE Pro Pack home loan could be for you. You'll benefit from a discounted1 rate for the life of the loan and money management facilities such as ATM, EFTPOS and chequebook access.

Plus, like all RAMS low doc loans, all you need to support your application is a signed Borrower Certificate of Income Declaration form together with 12 months of BAS* statements, an Accountant’s letter or (if refinancing) a signed declaration together with statements for the last 6 months of the loan(s) being refinanced.

Product Key Benefits:

  • Discounted1 interest rates for the life of your loan
  • Borrow up to 60% of the purchase price or valuation if lower (owner occupiers and investors)
  • Up to a total of 5 years interest only repayments
  • Redraw access to overpayments (no minimum)
  • 25 free transactions every month across all access methods (ATM 3, EFTPOS and chequebook)
  • Choice of repayment methods; Direct Debit, Salary Credit, Bank@Post or BPAY2
  • Lifestyle Option available
  • Construction Option available
  • Repayment Holiday available

Scenario

The Problem:

David and Simone are buying a house for $450,000 and want to borrow $360,000. They run a small business together and although they’ve been self-employed for a number of years they don’t have up-to-date financials to confirm their income. Even so, they want a low interest rate and to be able to make extra repayments whenever they are able.

The Solution:

RAMS SE Pro Pack Home Loan is well suited to David and Simone’s needs. They’ll enjoy a discounted1 rate for the life of their loan and all they need to support their application is a signed Borrower’s Declaration form together with 12 months of BAS* statements or an accountant's letter. Plus they can make extra repayments at anytime, and if they need to, can access any overpayments via ATM, EFTPOS and chequebook.

                                                                                                                                 "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 and limitations apply. Subject to RAMS normal lending criteria. *If you manually lodge your BAS account statements, showing payment to the ATO is also required, plus evidence of 20% of the purchase price in other real estate, shares, equities, superannuation or deposit account. 1Discounted off the RAMS SmartWay Variable Rate. 2BPAY available for extra payments only, not scheduled loan repayments. 3 Free ATM Transactions relate to Westpac, St George and Bank SA branded ATM's only.  Other Institutions may charge a fee for use of their ATMs. Payable in addition to fee for transactions over free threshold.