• Value Advantage Package

    • Value Advantage Package
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      Take out a RAMS Value Advantage Package and save $$$ each year

      Ideal for: First home buyers, Refinancers, Self-employed

      The RAMS Value Advantage Package interest rate discount varies according to the total value of your eligible RAMS home loans* and has an annual service fee of $325.

      Benefits: In addition to interest rate discounts, the RAMS Value Advantage Package includes the following:

      • No monthly account servicing fees, normally up to $240 per annum
      • No switching fees (for fixing), normally $295
      • No conversion fees (variation), normally $295
      • No loan increase application fee, normally $295
       

      Value Advantage Package3  
      Total Customer Borrowings on eligible home loans2  
             		Variable Interest Rate
      Discount (p.a)1       
      Full Doc Eligible Loans  

      $150,000 or more but less than or equal to $499,999:
      $500,000 or more but less than or equal to $999,999:
      $1,000,000 or more:

        

      0.55%
      0.60%
      0.65%

        
      Low Doc Eligible Loans  

      $150,000 or more but less than or equal to $499,999:
      $500,000 or more:

        

      0.40%
      0.50%

        

      • The hypothetical scenario and the RAMS solution

        Max already has a $200,000 RAMS Fixed Rate Home Loan and wants to take out a new RAMS Full Feature Home Loan for $350,000. Since his total customer borrowings on eligible loans equal $550,000, he is eligible for a RAMS Value Advantage Package, a discount of 0.60%p.a. off the Full Feature Home Loan interest rate and no Account Servicing Fee on the Fixed Rate Home Loan, saving him approximately $1,975 per annum (after the deduction of the $325 annual Service Fee).
      •  
        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

        Fixed Rate Home Loan

        The easy way to fix your loan

        		First home buyers, investors.6.19% 7.44% $15,000 YesN/A

        Line of credit

        Unlock the equity in your home

        		 Investors, owner occupiers  Popular7.06%
        n/a
        		$15,000          YesN/A

        Low doc fixed rate home loan

        Fixed rate loans for the self-employed

        		 Self-employed  Popular6.19% 7.62% $15,000 YesN/A

        Low doc home loan

        Working harder for the self-employed

        		 Self-employed7.16% 7.44% $15,000 YesN/A

        Low doc line of credit

        Unlock your equity

        		 Self-employed7.21%
        n/a
        		$15,000 YesN/A

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    • Disclaimer:

      *Based on your total customer borrowings; this includes the total loan amounts for any existing eligible RAMS home loans as well as any eligible new loan being applied for (and is based on the total credit limit for each loan). There is no limit on the number of eligible loans within a RAMS Value Advantage Package that can receive an interest rate discount.

      1. Discount is off the annual percentage rate ordinarily applicable to the selected loan, and is subject to change.

      2.Total Customer Borrowings is the total credit limits of all existing and new RAMS loans under the Value Advatage Package.

      3. Value Advantage Package is available on selected RAMS Home Loans and is subject to an Annual Service Fee of $325.There will only be one Annual Service fee charged per Value Advantage Package.

      The Annual Service Fee is charged to a loan account under your Value Advantage Package once every year.