• Offset account eligibility 

    RAMS now provides an offset facility to existing customers with an eligible RAMS Home Loan. The offset facility is not available to company or trust borrowers, or while your loan is on a fixed interest rate.

    You can now apply for a new RAMS Offset account via myRAMS (or you can choose to leave your loan as it is).

    You can register to access myRAMS^ (if you have not already done so) by calling 13 RAMS, that’s 13 7267.

    Below you will find a list of RAMS Home Loans that are eligible for an offset account. If you are unsure of your home loan product name, please call 13 RAMS, that’s 13 7267.

    Please refer to RAMS Deposit Products Fees and Charges and RAMS Deposit Accounts Terms and Conditions for full details.

    Home Loans eligible for a RAMS Offset account:

    Table 1: Current home loan products (available from 15/08/2011)

    HOME LOAN PRODUCT NAME
    RAMS Full Feature
    RAMS Self-Employed Low Doc
    RAMS Low Rate
    RAMS Low Rate Introductory
    RAMS Investor

    Table 2: Home Loan products (available prior to 15/8/11)

    HOME LOAN PRODUCT NAME
    Low Doc 500 Plus 80% Mar08
    Low Doc 500 Plus Mar08
    SE Low Doc Dec08
    EasyStart Jan08
    EasyStart Mar08
    Rate Relief Aug08
    Rate Relief Aug09
    Basic Mar08
    Basic Aug09
    IO Maximiser Mar08
    SmartWay Mar08
    SmartWay ProPack1 Mar08
    SmartWay ProPack2 Mar08
    SmartWay ProPack1 Feb09
    SmartWay ProPack2 Feb09
    FlexiFix SmartWay Jul09
    Rent Saver Jul10
    SE ProPack1 80% Mar08
    SE ProPack2 80% Mar08
    SmartWay LowDoc 80% Mar08
    SmartWay LowDoc Mar08
    SE ProPack1 Mar08
    SE ProPack2 Mar08
    SE ProPack1 Feb09
    SE ProPack2 Feb09
    SE ProPack 80 Feb09
    FlexiFix SmartWay Low Doc Jul09
    Rate Shearer Feb11
    ^myRAMS is not currently available to company and trust borrowers. 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. Fees, conditions, limitations and lending criteria apply.