Whether a first-time buyer or self-employed, a RAMS home loan has flexible options to make the loan work better for you.
A mortgage offset arrangement links your variable rate home loan with an offset deposit account. Any credit balance in this account is offset daily against your outstanding loan balance, reducing the interest payable on the home loan.
Note: The offset facility is not available to company or trust borrowers, while your loan is on a fixed interest rate, or on RAMS line of credit loans.
And as the information provided here is intended as a guide only, your individual circumstances should naturally be taken into consideration. This is why we also recommend you obtain independent professional advice relevant to your financial circumstances.
Vicky and Craig have a $100,000 RAMS home loan and $10,000 in a RAMS Action account. At the end of each month the interest due on the home loan is reduced by the notional interest that would otherwise be paid to the RAMS Action account. While repayments continue to be made on the $100,000, having excess funds in a RAMS Action linked to your RAMS home loan can reduce the interest you pay on your home loan and can reduce the term of your loan.
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