For COVID-19 info, or to apply for COVID-19 home loan support, see rams.com.au/covid-19-assist. We will contact you as soon as possible.
  • We are facing unprecedented times and appreciate there is much uncertainty due to COVID-19. Please complete and submit this form if you would like to apply for payment flexibility to assist in handling this uncertainty.

  • COVID-19 assistance

    We are living through unprecedented times and appreciate there is still much uncertainty due to COVID-19. Supporting you and your family through this uneasy time as the COVID-19 situation evolves is important to us.

    For RAMS Home Loan customers affected by the COVID-19 situation, there are a range of assistance options. 

    If you have a variable rate loan, you may be able to change your loan, which may reduce your repayments. For example, you could consider either or both of the following options: 

    • Switch to a Fixed Rate that is lower than your current variable rate. To find out more visit our Fixed Rate info page.
    • Switch to Interest Only repayments for 12 months - this will temporarily reduce your repayments as you will only be paying the interest portion of your repayment. Please note your loan repayments will increase at the end of the interest only period. To find out more visit our info page.   

    Alternatively a repayment deferral period* may be possible for some customers, following a review of your current circumstances. 

    If you are impacted by COVID-19 and would like to apply for payment flexibility to assist in handling this uncertainty, please complete and submit the form below. We’ll then contact you within 2 weeks to find out more about your current circumstances.

    Existing COVID-19 support package customers

    If you are already receiving the COVID-19 support package, RAMS will be contacting customers approximately 2 weeks before the end of their current COVID-19 support package with next steps.

    Things you should know

    *During a repayment deferral period you will not need to make repayments. Deferred interest will be capitalised and any deferred principal repayments will need to be paid off during the remainder of your loan term. This means your loan repayments will be higher after the deferral period.

    You may have insurance that may cover you in the event you can’t work due to injury or illness or involuntary unemployment. If you have this insurance, please check your insurer’s Product Disclosure Statement.  

    More information:

    Frequently asked questions and support with your Home Loan 

    Visiting our Home Loan Centres

    Apply for assistance 

    We are facing unprecedented times and appreciate there is much uncertainty due to COVID-19. If you would like to apply for payment flexibility to assist in handling this uncertainty, please complete and submit this request form.

    Please only use this form if you are applying for the first time.   

    *Indicates mandatory field

    Are you a guarantor?*
    Please note that guarantors of loans held in individual names cannot apply and any application for assistance must be made by the borrower.
      

     
    First name*:  
       
    Middle name:

     
     if applicable 


    Last name*:  
       
    Date of birth:  
       
    Primary contact number* (mobile preferred):        
     Please enter numbers only (i.e no’+’ symbols)
       
    Secondary contact number:   
     Please enter numbers only (i.e no’+’ symbols)
       
    Email address*:       

     You have indicated you are impacted by COVID19. Please select how you are impacted*:  
     
    Accounts you require assistance with:  Please enter your home loan account number(s):
     Loan 1*  
     Loan 2  
     Loan 3  
     Loan 4  
    I consent to RAMS collecting personal information, including any sensitive information, that I have disclosed in this application form. Please see details of our Privacy Policy.   
     
    I consent to RAMS or Westpac contacting me by electronic means (including email and SMS) about my application for assistance using the contact details I have provided in this form. I will check my email and phone regularly for messages from RAMS. I understand that if I receive a notification in electronic form RAMS may not send me a paper copy (except at my request). I understand that I can opt out of receiving electronic communications at any time by contacting RAMS. 


    Financial Hardship

    RAMS Customer Assist remains ready to help customers who may be experiencing financial stress. If you have had a change in your circumstances and require hardship assistance instead of a repayment deferral, please complete our Financial Hardship Form or call RAMS Customer Assist on 1800 143 075