Please visit rams.com.au/terms to view FAQs relating to changes to your home loan General Terms.
  • Code of Banking Practice

    As a member of the Westpac Group, RAMS complies with the Code of Banking Practice as developed by the Australian Bankers’ Association

    The code sets out the banking industry's key commitments and obligations on standards of practice, disclosure and principles of conduct for their banking services. 

    The Code of Banking Practice applies to personal and small business customers (either existing or prospective), as well as their guarantors.

    Family law guidelines 

    To assist in family law proceedings, we’ve published guidelines that briefly explain how RAMS processes requests to change liability for a joint debt and to change ownership of the security, property pursuant to a Family Court Order.

    To obtain a copy:

    Download the 4-page PDF of the Guidelines for Parties Involved in Family Law Proceedings 

    Guarantor disclosure

    In compliance with the Code of Banking Practice, we provide any prospective guarantor with certain financial information about the borrower (our customer) and their loan (the facility).  

    This information helps the prospective guarantor understand their obligations before making a commitment.

    You can download a single page PDF of the Guarantor Disclosure.