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Why Is Westpac Selling Its $21.4bn RAMS Mortgage Portfolio Now?

7:41am on Monday 3rd of November, 2025 AEDT Financials
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Why Is Westpac Selling Its $21.4bn RAMS Mortgage Portfolio Now?

7:41am on Monday 3rd of November, 2025 AEDT
Key Points
  • Sale of $21.4bn RAMS mortgage portfolio to Pepper Money-led consortium
  • Transaction at slight premium to gross loan value but expects loss after costs
  • Completion subject to regulatory approvals, expected in second half of 2026
  • Westpac’s common equity Tier 1 capital ratio to rise by approximately 20 basis points
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