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100% Offset Account Details Scenario Available on these home loans... Meet with a home loan expert Have us call you Reduce the amount of interest you pay on your loanIdeal for: First home buyers, Refinancers, Self-employedA Mortgage Offset arrangement links your Variable Rate loan with an Offset Deposit account, so that money you hold in your deposit account can reduce the amount of interest you pay on your loan. The more money you have in your offset account, the less interest you pay.Features: Online - Easy, direct access to your savings via myRAMSFree transactions - Free ATM transactions available at any Westpac, St.George^, Bank of Melbourne & BankSA branded ATMs around Australia, EFTPOS and onlineLow fees - Low everyday account fee- view RAMS Deposit Fees and charges Hypothetical scenario Vicky and Craig have a $100,000 RAMS home loan and $10,000 in a RAMS Offset account. At the end of each month the interest due on the home loan is reduced by the notional interest that would otherwise be paid to the RAMS Offset account. While repayments continue to be made on the $100,000, having excess funds in a RAMS Offset linked to your RAMS home loan can reduce the interest you pay on your home loan and can reduce the term of your loan. Ideal for Interest rate p.a. Comparision rate* p.a. A nominal interest rate incorporating certain fees and charges to help consumers identify and compare the true cost of a home loan Min loan size Redraw Annual fee Compare Full Feature Home Loan All you'll ever need in a home loan Owner-occupiers, first home buyers, refinancers Popular6.96% 7.03% $15,000 YesN/A Compare Low rate home loan No fuss, no frills, low rate First home buyers, owner occupiers Popular6.15% with introperiod6.47% $15,000 YesN/A Compare Investor home loan Reach your investment goals Investors6.21% 6.49% $15,000 YesN/A Compare Low doc home loan Working harder for the self-employed Self-employed7.16% 7.44% $15,000 YesN/A Compare Save or share Print Email Bookmark Share Talk to us to find out more Meet with a home loan expert Have us call you
Meet with a home loan expert Have us call you Reduce the amount of interest you pay on your loanIdeal for: First home buyers, Refinancers, Self-employedA Mortgage Offset arrangement links your Variable Rate loan with an Offset Deposit account, so that money you hold in your deposit account can reduce the amount of interest you pay on your loan. The more money you have in your offset account, the less interest you pay.Features: Online - Easy, direct access to your savings via myRAMSFree transactions - Free ATM transactions available at any Westpac, St.George^, Bank of Melbourne & BankSA branded ATMs around Australia, EFTPOS and onlineLow fees - Low everyday account fee- view RAMS Deposit Fees and charges
Meet with a home loan expert Have us call you Reduce the amount of interest you pay on your loanIdeal for: First home buyers, Refinancers, Self-employedA Mortgage Offset arrangement links your Variable Rate loan with an Offset Deposit account, so that money you hold in your deposit account can reduce the amount of interest you pay on your loan. The more money you have in your offset account, the less interest you pay.Features: Online - Easy, direct access to your savings via myRAMSFree transactions - Free ATM transactions available at any Westpac, St.George^, Bank of Melbourne & BankSA branded ATMs around Australia, EFTPOS and onlineLow fees - Low everyday account fee- view RAMS Deposit Fees and charges
Hypothetical scenario Vicky and Craig have a $100,000 RAMS home loan and $10,000 in a RAMS Offset account. At the end of each month the interest due on the home loan is reduced by the notional interest that would otherwise be paid to the RAMS Offset account. While repayments continue to be made on the $100,000, having excess funds in a RAMS Offset linked to your RAMS home loan can reduce the interest you pay on your home loan and can reduce the term of your loan.
Ideal for Interest rate p.a. Comparision rate* p.a. A nominal interest rate incorporating certain fees and charges to help consumers identify and compare the true cost of a home loan Min loan size Redraw Annual fee Compare Full Feature Home Loan All you'll ever need in a home loan Owner-occupiers, first home buyers, refinancers Popular6.96% 7.03% $15,000 YesN/A Compare Low rate home loan No fuss, no frills, low rate First home buyers, owner occupiers Popular6.15% with introperiod6.47% $15,000 YesN/A Compare Investor home loan Reach your investment goals Investors6.21% 6.49% $15,000 YesN/A Compare Low doc home loan Working harder for the self-employed Self-employed7.16% 7.44% $15,000 YesN/A Compare