Whether a first-time buyer or self-employed, a RAMS home loan has flexible options to make the loan work better for you.
The support of family can be priceless when trying to grow that deposit to buy your first home. One option available is for a parent or sibling to provide a limited guarantee.
A guarantor simply provides RAMS with a guarantee (or security) for an amount equivalent to a certain percentage of the purchase price, supported by a mortgage over their existing property.
The primary security for the mortgage will still be the property you intend to buy. To use a guarantor, you (the applicant) must be able to service the entire mortgage on your income.
RAMS Fast-track using a guarantor is available on home loans for owner occupiers plus investors, as well as for construction purposes where a fixed price contract and plans are supplied.
Note: Fast-track is not available for Line of Credit and Self-employed loans.
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Fees, conditions, limitations and lending criteria apply. Maximum LVR subject to loan serviceability. 1 The mortgage provided by the guarantor must either be a registered first mortgage, or a registered second mortgage behind an Australian Financial Institution provided the first mortgage does not secure a reverse mortage. Other conditions apply.
The borrower must also provide a mortgage over the property they are purchasing.
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