Frequently Asked Questions
Your new General Terms will be effective from 4 December 2017.
Yes, this update applies to all loans you currently have with RAMS.
You have received this letter as you have provided a guarantee for a borrower’s home loan with us. This is for your information only, there is no action required from you.
You received this letter because you still had at least one open RAMS home loan on 11 October 2017. If you have since discharged your loan and have no other loans with us please disregard this letter.
This fee is only payable where you:
Note: This fee is not payable if you have a Value Advantage Package or if you decide not to proceed with the application to switch to or extend an IO period.
The fee is not applicable when:
No, there is no fee payable when changing repayment types from interest only to principal and interest. Please note you are unable to change your repayment type if your loan is currently in a fixed rate period, you will need to wait until your current fixed rate period has expired and your loan is on a variable rate.
You will not be charged the fee.
Your current arrangement will be unaffected by this change. However, should you wish to extend or apply for a new arrangement after 4 December 2017 the new conditions will apply.
If at the end of your current period you continue to be impacted by injury, illness or retrenchment we are able to support you through the RAMS Hardship team. Further details are available on our financial hardship page.
RAMS will continue to let you know when making changes to your loan. This change may result in increased notice time but in some instances may result in decreased notice depending on your current General Terms.
Where you have provided us an electronic address, we may, in the future, send notices and/or demands electronically.
You are able to update any of your contact details, including adding or changing your email address at any time by contacting us on 13 7267. However, at this time we are unable to commit to sending demands and notices to you electronically.
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