Have you considered taking up a home loan that offers you the benefit of a financial 'honeymoon'. Or, if you already have a mortgage, perhaps you should consider refinancing to give your mortgage a break and get your money working harder for you.
Whether you're taking out a mortgage for the first time, looking to refinance or invest, there's never been a better time to find a home loan that enables you to take advantage of the economic climate and get your money working harder for you in the long term.
The RAMS Easy Start home loan offers RAMS’ customers the benefits of lower repayments in the early years of the loan via RAMS’ ‘three year honeymoon’ period – so you can spend the money you save on your home on the garden or furnishings.
The RAMS Easy Start home loan offers discounted variable rates1 for the first 3 years of your loan and then a low ongoing rate. Customers can borrow up to 95%2 of the purchase price of their property (or valuation if lower). What’s more, you can have up to 10 years3 of interest only repayments and a free redraw facility4 .
The RAMS Lifestyle Option5 is also offered as part of the RAMS Easy Start home loan, enabling customers to defer repayments on the loan for up to 6 months – twice, during the life of the loan.
You could also look at the RAMS Rate Relief home loan, which gives you a 0.90% p.a discount off the RAMS Standard Variable Rate for the first two years of the loan AND there are no annual account keeping fees. Further, the ongoing variable rate is guaranteed to stay below the RAMS Standard Variable Rate for the life of the loan, which means you can rest assured that your money is working hard for you.
With the RAMS Rate Relief loan you also have up to 10 years6 of interest only repayments and the option to make extra repayments of $2000 or more, when and if you want to do so.
The Own Your First Home Website has a wide range of information and tips that can help you work out what to do when buying your first home. Check out what's on offer or make an appointment to meet with a RAMS Consultant to discuss the home loan options that will work for you.
So, what are you waiting for? Give your home loan a honeymoon or a boost today!
|
1 Rates discounted off the RAMS Easy Start Variable Rate.
2 If LVR>80%, evidence of 5% genuine savings required. Ability to cover transaction costs and funds to complete purchase, if any, required. Subject to loan serviceability.
3 10 year IO option available for investment purposes only.
4 Minimum Redraw $1000.
5 Eligibility terms and additional conditions apply.
6 10 year IO option available for investment purposes only.
|
Share
