Whether a first-time buyer or self-employed, a RAMS home loan has flexible options to make the loan work better for you.
Based on current standard variable rates.
Interest rate discount p.a. loan to value ratio of 70% or less
Interest rate discount p.a. loan to value ratio greater than 70%
If your total borrowings in eligible RAMS home loans is at least $150,000, you could benefit from discounted interest rates on your eligible variable rate loans with the RAMS Value Advantage Package (VAP).
The amount of the discount varies depending on the total amount of your eligible RAMS home loans. The annual service fee is currently $375.
For that one lump sum, many other fees are removed or significantly reduced, including:
Virginia has a $200,000 RAMS Fixed Rate home loan. She wants to take out a new RAMS Full Feature home loan for $350,000 to buy an investment property.
The investment property is worth $500,000 so her LVR will be 70%. Since her total customer borrowings on eligible products will equal $550,000, Virginia is eligible for a RAMS Value Advantage Package.
By paying just one annual service fee, she receives a discount of 1.00% p.a. off the RAMS Full Feature Home Loan interest rate on the new $350,000 loan. This saves her up to $3,500 in interest in the first year alone.
What’s more, there is no account servicing fee payable on her original Fixed Rate home loan under VAP, saving Virginia another $20 per month (or $240.p.a.). However, other fees and charges may apply.
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