Hi,

Yes, I'm stuck with Rams (RHG) also, unfortunately I'm stuck for another 2 years unless I want to pay the $11k in exit fees they're charging.   If you take a look at your June online transaction info, there's been 2 interest rate increase in the space of 15 days (total of 0.24% for June) even though I haven't received any formal notification from them of the interest rises, taking my current interest rate to 9.29% for a full doc, smartway pro pack loan.  At this rate, it will be worth my while paying the $11k just to be rid of Rams (RHG). 

Any suggestions or anyone in a similar situation?  Fixing the rate isn't an option as their new fixed rates I was advised over the phone was a ridiculous 11.25%. (Even though that was not what was advertised on their website (website had 9.9% ) which I've already raised with the ACCC as misleading and deceptive conduct) …..

Any suggestions are appreciated!!!