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Mortgage offset Help pay off your mortgage sooner! If you want to pay off your mortgage sooner, a RAMS Home Loan with a 100% Offset facility may be a quick and simple way to achieve your goal. The Offset facility is available on many RAMS Home Loans –view Offset account eligibility. If you choose to have a debit card, you’ll also get unlimited FREE transactions across the Westpac Group ATM network, EFTPOS, online (BPAY®, pay anyone transfers and transfers between RAMS accounts) and direct debits – all for no monthly fee1. Available for home loan customers only LOG IN TO myRAMS 100% offset on many RAMS Home loans Summary How it works Who can apply Offset facility - Your excess funds help reduce your loan interest and pay off your home loan earlier Online - Easy, direct access to your savings via myRAMS No monthly fee1 No minimum balance Call 13 RAMS - Australia based customer service call 13 RAMS, that’s 13 7267 Free transactions - Free ATM transactions available at any Westpac, St.George^, Bank of Melbourne & BankSA branded ATMs around Australia, EFTPOS and online Pay off your mortgage sooner A Mortgage Offset facility is simply a deposit account where you keep excess funds, which is linked to your RAMS home loan. The interest due on the home loan is reduced by the notional interest that would otherwise be paid to the RAMS Offset account, potentially allowing you to pay off your loan or build up equity faster. Who can apply? You can apply for RAMS Offset if you: are an individual are a current RAMS Home Loan borrower are an Australian resident for taxation purposes with an Australian residential address are 18 years of age or over and hold a valid email address and Australian mobile phone number LOG IN TO myRAMS TO APPLY Talk to us to find out more Have us call you Things you need to know: 1. Other fees and charges may apply. Please refer to the RAMS Deposit Product Fees and Charges and RAMS Deposit Accounts Terms and Conditions. ® Registered to BPAY Pty Ltd ABN 69 079 137 518. Any advice does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to a RAMS Offset account, you should read the RAMS Deposit Accounts Terms and Conditions. Fees and charges apply, see RAMS Deposit Products Fees & Charges. RAMS Financial Group Pty Ltd ABN 30 105 207 538 AR 405465 Australian credit licence 388065 promotes and distributes RAMS deposit products as an authorised representative of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (“Westpac”). Westpac is the credit provider for RAMS home loans and the issuer of RAMS deposit products.
Offset facility - Your excess funds help reduce your loan interest and pay off your home loan earlier Online - Easy, direct access to your savings via myRAMS No monthly fee1 No minimum balance Call 13 RAMS - Australia based customer service call 13 RAMS, that’s 13 7267 Free transactions - Free ATM transactions available at any Westpac, St.George^, Bank of Melbourne & BankSA branded ATMs around Australia, EFTPOS and online
Pay off your mortgage sooner A Mortgage Offset facility is simply a deposit account where you keep excess funds, which is linked to your RAMS home loan. The interest due on the home loan is reduced by the notional interest that would otherwise be paid to the RAMS Offset account, potentially allowing you to pay off your loan or build up equity faster.
Who can apply? You can apply for RAMS Offset if you: are an individual are a current RAMS Home Loan borrower are an Australian resident for taxation purposes with an Australian residential address are 18 years of age or over and hold a valid email address and Australian mobile phone number