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Thanks for the responses. I have decided to move forward with the personal loan as it seems to be best option for me. I did the sums and by the time LMI is added plus the costs for valuation etc for the RAMS loan variation compared to the interest on the personal loan, the personal loan seemed...

Hi all, I own a single property in Frankston with around $223,000 owing (it's a 3 br unit good condition, good location and I believe valued at around $270,000+). I am 2 years into a 5 year fixed rate period with RAMS (I know, I’ve learnt a lot in the last year or two). I am getting...