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.
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:
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.
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.
*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.
Frequently asked questions and support with your Home Loan
Visiting our Home Loan Centres
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
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.
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