Find the Home Loan That Suits You | RAMS

Time 2020-12-12 09:03:42

Web Name: Find the Home Loan That Suits You | RAMS

WebSite: http://www.rams.com.au

ID:131538

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Due to scheduled maintenance, myRAMS (online and mobile) will be unavailable from 10pm Saturday 12 December to 12 am Sunday 13 December (Sydney time). We apologise for any inconvenience caused. RAMS Mobile Service Please call 13 RAMS that’s 13 7267 and a RAMS Mobile Home Loan Specialist will give you a call and come out to discuss your home loan needs with you. If you’d like we can call you back. Just click on the ‘Have us Call You’ button, enter your number and we’ll be in touch soon. Alternatively, you can try submitting a different region or postcode. Home loan calculatorsWhether buying a new home, refinancing an existing home loan or investing in property, RAMS mortgage calculators can give you an estimate of what your repayments could be. These estimates are indicative only and actual costs and the amount you could borrow may vary based on a number of factors including loan purpose. Before acting on the results of this calculator you should seek professional advice and contact your local RAMS Home Loan Specialist who can help guide you through this process. How much could I borrow? How much could my repayments be? What are the upfront costs? How much could I borrow?How much could I borrow? 0" export-pdf-dir="data.loans[0]" data-target="borrowingPower" > This loan is for{{numApplicationsDictionary(tmp.applicants)}} MyselfMyself and another personNo. of dependants+ -Postcode where I/we will be livingGross salary${{freqDictionary(data.applicants.data[0].income[0].freq)}} WeeklyFortnightlyMonthlyYearlyThe other borrower’s gross salary${{freqDictionary(data.applicants.data[1].income[0].freq)}} WeeklyFortnightlyMonthlyYearlyPlus other income after tax${{freqDictionary(data.tempOthers.income[0].freq)}} WeeklyFortnightlyMonthlyYearlyTotal expenses${{freqDictionary(data.applicants.data[0].expenses[0].freq)}} WeeklyFortnightlyMonthlyYearlyTotal credit card limits$ 0">You could borrow up to${{data.loans[0].borrowingPower | number:0}}Assuming a {{ data.loans[0].loanPeriod.initial }} year termat an interest rate of {{ data.loans[0].interestRate.ongoing.percent }} % p.a.Call us on 13 RAMS, thats 13 7267 about your situation to find the best solution for you. Meet with us Have us call you Work out your repayments Work out your repaymentsThis calculator estimates an amount you may be able to borrow, based on the information and interest rate you input. If you change any of the information, including the interest rate, you will obtain a different result. The result does not include any applicable fees. This is not an offer of credit, and you should not rely on it. The actual amount you can borrow can only be determined once you submit a full application to us and we assess your application using our credit criteria applicable at that time. These estimates are indicative only and actual costs and the amount you could borrow may vary based on a number of factors including loan purpose. Before acting on the results of this calculator you should seek professional advice and contact your local RAMS Home Loan Specialist.This calculator estimates an amount you may be able to borrow, based on the information and interest rate you input. If you change any of the information, including the interest rate, you will obtain a different result. The result does not include any applicable fees. This is not an offer of credit, and you should not rely on it. The actual amount you can borrow can only be determined once you submit a full application to us and we assess your application using our credit criteria applicable at that time. These estimates are indicative only and actual costs and the amount you could borrow may vary based on a number of factors including loan purpose. Before acting on the results of this calculator you should seek professional advice and contact your local RAMS Home Loan Specialist.How much could my repayments be?How much could my repayments be? 0" export-pdf-dir="data.loans[0]" data-target="ongoingRepayments" > {{applicantDictionary(tmp.applicants)}} want to borrow$ 0 ? data.loans[0].borrowingPower : '' | number: 2}}" ng-change="inputChange()" readable-numbers-dir="5000000" input-focus-dir>foryearswith a variable interest rate of% p.a.with a repayment type of{{repaymentTypeDictionary(data.loans[0].calculators.initial.repaymentType)}} principal and interestinterest onlyfor{{ data.loans[0].loanPeriod.interestOnly }} 12345yearsAssumptions 0"> 0">Based on the amount you want to borrow, an estimate of your minimum repayments is${{ data.loans[0].calculators.initial.initialRepaymentByPeriodTotal | number:2}} a{{ data.loans[0].calculators.initial.initialRepaymentPeriod.label }} {{ periods[0].label }}{{ periods[1].label }}{{ periods[2].label }}over {{ data.loans[0].loanPeriod.initial }} years 0">Interest only repayments in the first {{ data.loans[0].loanPeriod.interestOnly }} years${{ data.loans[0].calculators.initial.initialInterestOnlyRepaymentByPeriodTotal | number:2}} a{{ data.loans[0].calculators.initial.initialInterestOnlyRepaymentPeriod.label }} {{ periods[0].label }}{{ periods[1].label }}{{ periods[2].label }}and, principal and interest repayments for the remainder of the life of the loan${{ data.loans[0].calculators.initial.initialRepaymentByPeriodTotal | number:2}} a{{ data.loans[0].calculators.initial.initialRepaymentPeriod.label }} {{ periods[0].label }}{{ periods[1].label }}{{ periods[2].label }}Call us on 13 RAMS, thats 13 7267 about your situation to find the best solution for you.What's the difference between Principal and interest and interest only?You would saveYou would pay an extra${{data.loans[0].calculators.compare.saving.amount | number:2}}in interest over the life of the loan{{ data.loans[0].calculators.initial.initialRepaymentPeriod.label | capitalize }}ly interest only repayments in the first {{ data.loans[0].loanPeriod.interestOnly }} years$ {{ data.loans[0].calculators.initial.initialInterestOnlyRepaymentByPeriodTotal | number:2}}{{ data.loans[0].calculators.initial.initialRepaymentPeriod.label | capitalize }}ly Principal and interest repayments for the remainder of the life of the loan{{ data.loans[0].calculators.initial.initialRepaymentPeriod.label | capitalize }}ly principal and interest repayments over {{ data.loans[0].loanPeriod.initial }} years$ {{ data.loans[0].calculators.initial.initialRepaymentByPeriodTotal | number:2}}Total payable${{data.loans[0].calculators.initial.total.payable | number:2}}Interest - ${{data.loans[0].calculators.initial.total.interest | number:2}}Principal - ${{data.loans[0].calculators.initial.total.principle | number:2}}{{ data.loans[0].calculators.initial.initialRepaymentPeriod.label | capitalize }}ly interest only repayments in the first {{ data.loans[0].loanPeriod.interestOnly }} years$ {{ data.loans[0].calculators.compare.comparisonInterestOnlyRepaymentByPeriodTotal | number:2}}{{ data.loans[0].calculators.initial.initialRepaymentPeriod.label | capitalize }}ly Principal and interest repayments for the remainder of the life of the loan{{ data.loans[0].calculators.initial.initialRepaymentPeriod.label | capitalize }}ly principal and interest repayments over {{ data.loans[0].loanPeriod.initial }} years$ {{ data.loans[0].calculators.compare.comparisonRepaymentByPeriodTotal | number:2}}Total payable${{data.loans[0].calculators.compare.total.payable | number:2}}Interest - ${{data.loans[0].calculators.compare.total.interest | number:2}}Principal - ${{data.loans[0].calculators.compare.total.principle | number:2}} Meet with us Have us call you Compare all home loansThe interest rate that appears when you open the calculator is the current RAMS Essential Home Loan for principal and interest repayments for owner occupiers, as indicated on rams.com.au/all-rates, and is subject to change. When assessing ability to service a loan, we may use an interest rate that is higher than the current interest rate for the loan requested. The output of each calculator is subject to the assumptions provided under each calculator, which are also subject to change. This calculator estimates your monthly principal and interest or interest only loan repayments (but does not include monthly or annual service fees). You can adjust the variables within the calculator. For example, you can see how increasing your repayment amount could impact on the estimated interest payment and loan term. If you change any of the information, including the amount borrowed or the interest rate, you will obtain a different result. These calculations do not constitute an offer of credit or a quote and are only an estimate of what you may be able to borrow based on the accuracy of the information provided. You should not rely on it. The actual amount you can borrow, and the applicable loan repayments, can only be determined once you submit a full application to us and we assess your application using our credit criteria applicable at that time. These estimates are indicative only and actual costs and the amount you could borrow may vary based on a number of factors including loan purpose and repayment type (principal and interest or interest only). Before acting on the results of this calculator you should seek professional advice and contact your local RAMS Home Loan Specialist.The interest rate that appears when you open the calculator is the current RAMS Essential Home Loan for principal and interest repayments for owner occupiers, as indicated on rams.com.au/all-rates, and is subject to change. When assessing ability to service a loan, we may use an interest rate that is higher than the current interest rate for the loan requested. The output of each calculator is subject to the assumptions provided under each calculator, which are also subject to change. This calculator estimates your monthly principal and interest or interest only loan repayments (but does not include monthly or annual service fees). You can adjust the variables within the calculator. For example, you can see how increasing your repayment amount could impact on the estimated interest payment and loan term. If you change any of the information, including the amount borrowed or the interest rate, you will obtain a different result. These calculations do not constitute an offer of credit or a quote and are only an estimate of what you may be able to borrow based on the accuracy of the information provided. You should not rely on it. The actual amount you can borrow, and the applicable loan repayments, can only be determined once you submit a full application to us and we assess your application using our credit criteria applicable at that time. These estimates are indicative only and actual costs and the amount you could borrow may vary based on a number of factors including loan purpose and repayment type (principal and interest or interest only). Before acting on the results of this calculator you should seek professional advice and contact your local RAMS Home Loan Specialist.What are the upfront costs and ongoing?What are the upfront costs and ongoing? 0" export-pdf-dir="data.loans[0]" data-target="upfrontOngoing" > {{applicantDictionary(tmp.applicants, 'im')}}{{applicantTypeDictionary(data.loans[0].calculators.upfrontCosts.applicantType)}} a first home buyeran existing home owner data.loans[0].calculators.upfrontCosts.propertyValue * 0.9) ? data.loans[0].calculators.upfrontCosts.propertyValue * 0.9 : data.loans[0].calculators.upfrontCosts.borrowing; inputChange()">an investorlocated in{{propertyStateDictionary(data.loans[0].calculators.upfrontCosts.propertyState)}} Australian Capital TerritoryNew South WalesNorthern TerritoryQueenslandSouth AustraliaTasmaniaVictoria MetroVictoria RegionalWestern Australialooking for{{propertyTypeDictionary(data.loans[0].calculators.upfrontCosts.propertyType)}} an existing propertya brand new homevacant landto{{residencyDictionary(data.loans[0].calculators.upfrontCosts.residencyType)}} live ininvest inwith a value of$borrowing amount of$No. of dependants+ -Total gross income of all borrowers$Table of Municipal Councils in Regional VictoriaYou would need a deposit of ${{data.loans[0].calculators.upfrontCosts.depositRequired | number: 0}}Your estimated upfront costs would be${{ data.loans[0].calculators.upfrontCosts.totalUpfrontCosts | number:0 }}Your estimated ongoing costs would be${{ data.loans[0].calculators.ongoingCosts.totalOngoingCosts | number:0 }} per monthupfront costs and ongoing costs?" data-closed-label="What makes up the upfront costs and ongoing costs?">What makes up the upfront costs and ongoing costs?Upfront costsGovernment feesMortgage registration fees$ {{ data.loans[0].calculators.upfrontCosts.government.mortgageRegistration | number : 0}}Transfer fee$ {{ data.loans[0].calculators.upfrontCosts.government.transfer | number : 0}}Stamp duty on property$ {{ data.loans[0].calculators.upfrontCosts.government.stampDuty | number : 0 }}Mortgage duty$ {{ data.loans[0].calculators.upfrontCosts.government.mortgageDuty | number : 0}}Government grantsFirst home owner grant$ {{ data.loans[0].calculators.upfrontCosts.government.firstHomeGrant | number : 0}}If you are building new home and the total value of land and building is up to $750,000 then you may be eligible for First Home Owner Grant. Please refer to Office of State Revenue website for further details.The First Home Owner grant is based on assumption that the total value of land and building is less than or equal to $750,000.More details on government fees and grantsRAMS feesLoan settlement fee$ {{ data.loans[0].calculators.upfrontCosts.bank.settlement | number : 0}}Application fee${{ data.loans[0].calculators.upfrontCosts.bank.upfrontAccountKeepingFee | number : 0}} $0$595Lender's Mortgage InsuranceLender's Mortgage Insurance$ {{ data.loans[0].calculators.upfrontCosts.lmi| number : 0}}Other upfront costs to considerMoving fees$ {{ (data.loans[0].calculators.upfrontCosts.movingFee.value != '') ? (data.loans[0].calculators.upfrontCosts.movingFee.value| number: 0) : '' }} Pest Inspection$ {{ (data.loans[0].calculators.upfrontCosts.pestInspection.value != '') ? (data.loans[0].calculators.upfrontCosts.pestInspection.value | number: 0) : '' }} Conveyancing Fees$ {{ (data.loans[0].calculators.upfrontCosts.conveyancingFee.value != '') ? (data.loans[0].calculators.upfrontCosts.conveyancingFee.value | number: 0) : ''}} Ongoing costsRepaymentsRepayments$ {{ data.loans[0].calculators.ongoingCosts.repayments | number : 0}}/monthAssuming a {{ data.loans[0].loanPeriod.initial }} year loan term on RAMS Essential Home Loan with a variable interest rate of {{ (data.loans[0].calculators.upfrontCosts.residencyType == 0) ? data.loans[0].interestRate.ongoing.percent : data.loans[0].interestRate.ongoingInvestor.percent }}% p.a., comparison rate* of {{ (data.loans[0].calculators.upfrontCosts.residencyType == 0) ? data.loans[0].interestRate.comparison.percent : data.loans[0].interestRate.comparisonInvestor.percent }}% p.a. and $0 account keeping fee.RAMS feesAccount Keeping Fees${{ data.loans[0].calculators.ongoingCosts.accountKeepingFee | number : 0}} /year $0 /year$375 /yearSome other ongoing costs to considerStrata fees$ {{ (data.loans[0].calculators.ongoingCosts.strata.value != '') ? (data.loans[0].calculators.ongoingCosts.strata.value | number: 0) : '' }} /month Council rates$ {{ (data.loans[0].calculators.ongoingCosts.council.value != '') ? (data.loans[0].calculators.ongoingCosts.council.value | number: 0) : '' }} /month Utilities$ {{ (data.loans[0].calculators.ongoingCosts.utility.value != '') ? (data.loans[0].calculators.ongoingCosts.utility.value | number: 0) : '' }} /month Home and contents insurance$ {{ (data.loans[0].calculators.ongoingCosts.homeContentInsurance.value != '') ? (data.loans[0].calculators.ongoingCosts.homeContentInsurance.value | number: 0) : '' }} /month Meet with us Have us call you Compare all home loansThe results of this calculator are estimates only. They are based on the information you have provided. If you change any of the information, including the interest rate, you will obtain a different result. Other fees, charges and costs may apply. This is not an offer of credit, and you should not rely on it. The actual amount you can borrow, and the applicable loan repayments, can only be determined once you submit a full application to us and we assess your application using our credit criteria applicable at that time. These estimates are indicative only and actual costs and the amount you could borrow may vary based on a number of factors including loan purpose. Before acting on the results of this calculator you should seek professional advice and contact your local RAMS Home Loan Specialist. Comparison rate*Please note: The comparison rate for the relevant product is based on a loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.The results of this calculator are estimates only. They are based on the information you have provided. If you change any of the information, including the interest rate, you will obtain a different result. Other fees, charges and costs may apply. This is not an offer of credit, and you should not rely on it. The actual amount you can borrow, and the applicable loan repayments, can only be determined once you submit a full application to us and we assess your application using our credit criteria applicable at that time. These estimates are indicative only and actual costs and the amount you could borrow may vary based on a number of factors including loan purpose. Before acting on the results of this calculator you should seek professional advice and contact your local RAMS Home Loan Specialist. Comparison rate*Please note: The comparison rate for the relevant product is based on a loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. AssumptionsThe calculator assumes 12 equal monthly repayments a year.A year is calculated as having exactly 52 weeks.The calculator assumes that interest rates remain unchanged for the term of the loan, which is unlikely to be the case.The calculator also assumes that the interest rate applicable to interest only repayments is the same as the interest rate applicable to principal and interest repayments, which is unlikely to be the case. The interest rate applicable to interest only repayments is likely to be higher, meaning the interest only repayments quoted are also likely to be higher. AssumptionsThe calculator assumes 12 equal monthly repayments a year.A year is calculated as having exactly 52 weeks.The calculator assumes that interest rates remain unchanged for the term of the loan, which is unlikely to be the case. Export to PDFWhen the pdf is ready, click save below. AssumptionsDuty exemptions, concessions and First Home buyers grant may be available that haven’t been taken into account in this estimate. For full conditions and eligibility requirements, please speak to your legal representative, or visit your local State / Territory Revenue Office website:ACT: http://www.revenue.act.gov.au/NSW: https://www.revenue.nsw.gov.au/NT: http://www.treasury.nt.gov.au/QLD: https://www.treasury.qld.gov.au/SA: http://www.revenuesa.sa.gov.auTAS: http://www.sro.tas.gov.auVIC: http://www.sro.vic.gov.auWA: http://www.finance.wa.gov.au Staying home has taken on a whole new meaning in 2020, with many Australians now working and entertaining from home as much as possible. Not sure where to start with your renovation? From planning to style and budget to expectations, here are our 8 steps to a successful home renovation. We explain the term equity, and how this may relate to a property you own as well as its potential uses,such as putting it towards the purchase of an investment property, or investing in other assets ... You could save travel time and money on a home by exploring these commuter-friendly suburbs Is this the right area for me? Can I afford it? Is this house up to scratch? and more.... As the unprecedented public health and economic crisis unfolds, it’s only natural for homeowners to wonder what it all means for house values.will apply the fixed rate that is available at the loan settlement date or thedate the fixed rate period commences, unless the customer locks a fixed rate inon the loan using our Fixed Rate Lock-in feature (conditions apply). The FixedRate Lock-in fee is 0.15% of the fixed loan amount. At the end of the fixedrate period the interest rate will convert to the applicable variable home loanrate.Fixed rate loans have a limited prepayment threshold. If you want to make repayments greater than the maximum amount specified by RAMS or you break the fixed rate period, you may be required to pay break costs, which can be considerable. If interest rates drop while your interest rate is fixed, you will not receive the benefit of the reduced rate. Customers in need of extra care Help if you are experiencing financial difficulty or difficult personal circumstances. Become a RAMS Franchisee As a RAMS Franchisee you will be buying into a distinctive, well-loved brand owned and supported by ... RAMS home loan features An aid to help you understand the advantages and disadvantages of the main features of a home loan i... Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. You should read the relevant disclosure document. Credit criteria, fees and charges apply. Unless otherwise specified, the products are issued by Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. © RAMS Financial Group Pty Ltd ABN 30 105 207 538 AR. 405465 Australian credit licence 388065 For help regarding hardship as a result of COVID-19 please complete our assistance form. Your local RAMS home loan specialist is here to help. Leave your details and your local RAMS Home Loan Specialist will be in touch. Please enter an 8-10 digit landline or mobile number Please enter a valid 10 digit landline or mobile number I would like to be included on the list to receive information about property news, articles, tips, products and services from RAMS and its franchisees. By submitting this form you acknowledge that you have read and accept our privacy statement Would you like RAMS and its franchisees to keep you informed about products and services including via email? RAMS Mobile Service Please call 13 RAMS that’s 13 7267 and a RAMS Mobile Home Loan Specialist will give you a call and come out to discuss your home loan needs with you. If you’d like we can call you back. Just click on the ‘Have us Call You’ button, enter your number and we’ll be in touch soon. Alternatively, you can try submitting a different region or postcode. The personal information collected from you on this form will be used to respond to your query, and to provide you with information about the products and services we offer. We may disclose your personal information to RAMS and its franchisees, other members of the Westpac Group, anyone we engage to do something on our behalf, and other organisations that assist us with our business. Our privacy policy, available at rams.com.au or by calling 13 7267, contains information about how we handle your personal information. We are currently experiencing a high call volume. For help regarding hardship as a result of COVID-19 please complete our assistance form. Enter your full phone number below and a RAMS Consultant will call you back at the time of your choice. Thank you for your request for a call back. You will soon receive a call from us on You will receive a call from us between 9am – 10am on (02) 9000 0000 Unfortunately, our call back facility is not available at the moment. Please call us on 13RAMS that's 137267 or fill in our contact form and we will be in contact within two business hours. We apologise for the inconvenience. Our call centre is currently closed. Please see our contact us page for opening hours. Please be advised we collect and use your personal information to process your request. We may disclose your personal information to our related companies, franchisees and third parties who assist with our business. Our privacy policy is available on the RAMS website, it covers how we collect, hold, use and disclose your personal information, as well as how you can access or correct it. To help improve our service, this call may be recorded and you'll be able to leave feedback at the end of the call.

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