As proud sponsors of the NHRU, RAMS Home Loans Newcastle

would like to invite you to take our $50 interest rate challenge!

Simply have a chat to us about your current home loan, and if we cannot offer you a better

interest rate on a comparable product, we will give you $50 for your time.¹

Send an e-mail to luke_brown@rams.com.au to take up the challenge. You can come and speak to

us at our office or a place and time that suit you, even after hours.

Why refinance?
✓ We offer a range of variable and fixed rates as well as flexible features.²

✓ We could help you understand the pros and cons of consolidating your existing debts into your home loan. ³

✓ You may be able to use the existing equity in your home to help with renovations,

purchasing an investment property or for other things you need now.

✓ We’ll help navigate the paperwork, so switching to RAMS could be easier than you think.

I can be contacted directly on luke_brown@rams.com.au, Let’s do the challenge!

Visit RAMS Home Loans Newcastle.

More Information:
1. Promotion is funded up to $2,000. Provide a statement or a screenshot of your existing home loan account showing

interest rate and repayment type to claim the $50. The $50 will be transferred to eligible applicants via an EFT payment.

2. Credit criteria, fees and charges apply. For Owner Occupier Home Loans with the purpose of refinancing,

debt consolidation or equity release at any LVR, principal and interest repayments are required.

3. Consolidating your short term debt into your home loan may extend the loan term of the short term debt and could

result in more interest payable over the loan term. You should obtain independent professional advice relevant to your financial circumstances.

Leaca Pty Ltd ACN 117 246 081 ATF The Leaca Brown Family Trust ABN 45 986 832 343 sent this message to

<First Name> <Last name> at <email address>. These details are shown in order to provide guidance on the true sender of this email.

We will never send you an email asking for your financial information or send you a link that will

direct you to a sign-in page, asking you to verify or change your account details, PIN, passwords or personal information.

Before accessing emails or the Internet, always ensure your computer has up-to-date security software. For more information on online security view how to protect yourself on the RAMS website.

RAMS Home Loans Newcastle is owned and operated by Leaca Pty Ltd ACN 117 246 081 ATF The

Leaca Brown Family Trust ABN 45 986 832 343. Credit provider and issuer of RAMS deposit products:

Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.

We respect your right to privacy – view our privacy policy.