Whether a first-time buyer or self-employed, a RAMS home loan has flexible options to make the loan work better for you.
Life is full of challenges. Some are welcome and others are more of a surprise. Either way, you may need extra support to get through such challenging times.
RAMS Lifestyle Option allows you to defer repayments on your loan for up to six months – twice during the life of the loan. It’s our way of helping out.
Conditions and fees apply so talk to a RAMS home loan specialist to see how we can help.
Borrowers will need to make a formal request to RAMS with an updated assets and liabilities statement, with all borrowers signing the request.
John and Katie had taken out a RAMS Home Loan two years ago and were now expecting a baby. They wanted to reduce their monthly loan repayments while Katie was on maternity leave.
Having saved, they were ahead in their loan repayments and their LVR was now below 90%. And because their particular RAMS Home Loan had the Lifestyle Option, John and Katie were able to halve their monthly interest only repayment for 6 months with the amount owing added to the loan’s principal.
The expectant couple were of the view that it was a small price to pay for the time they were able to share as a family without the pressure of meeting loan repayments while Katie was on maternity leave.
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