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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 SmartWay Pro Pack

An all-in-one home loan with discounted rates

If you have total RAMS borrowings of $150,000 or more, RAMS SmartWay Pro Pack could be for you. You’ll enjoy a discounted1 variable rate for the life of your loan and money management facilities such as ATM, EFTPOS and chequebook access.

Product Key Benefits:

  • Discounted1 variable rate for the life of the loan
  • Borrow up to 95%2 of the purchase price (or valuation if lower)
  • Redraw access to overpayments
  • 25 free transactions every month across all access methods (ATM 4, EFTPOS and chequebook)
  • Up to 5 years interest only repayments
  • Choice of deposit methods; Direct Debit, Salary Credit, Bank@Post or BPAY3.
  • RAMS Fast Track No cash deposit option
  • Lifestyle Option available
  • Construction Option available

Scenario

The Problem:

Lisa and Jason are buying a house for $450,000 and want to borrow $360,000. They want a good interest rate and would like to pay off their home loan as quickly as they can.

The Solution:

With help from their RAMS home loans specialist, Lisa and Jason choose a RAMS SmartWay Pro Pack Home Loan with a discounted rate for the life of the loan. Interest is accrued daily, so they can pay Jason’s salary directly into their home loan and benefit from any extra payments they make. Of course, they have access to any extra payments made via ATM, EFTPOS and chequebook. This allows them to efficiently manage their day-to-day expenses.

                                                                                                                                 "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. The product conditions set out in this document apply to loans available through RAMS Home Loan Centres. 1Discounted off the RAMS SmartWay Variable Rate. 2Funds 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.   3BPAY available for extra payments only, not scheduled loan repayments. 4 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.