RAMS Home Loans

Rates and fees last updated on

Enjoy a home loan with a variety of features and options from RAMS.

RAMS offers Australians alternative banking options, providing a wide variety of flexible products. These include home loans, savings accounts and transaction accounts. The company has been in the retail market since 1995, offering simple and practical products.

Whether you are self-employed or looking to get your first home, refinance previous loans or buy an investment property, the home loans offered by RAMS may be able to help you overcome any potential challenges and reach your goals in a timely fashion.

Compare RAMS home loans

Rates last updated December 17th, 2017
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
4.37%
4.43%
$595
$0 p.a.
95%
Low interest rate. Ideal for first home buyers and owner- occupiers. Plus $0 application fee for a limited time.
4.15%
5.08%
$595
$20 monthly ($240 p.a.)
95%
A 3 year fixed home loan with a low interest rate.
3.99%
5.13%
$595
$20 monthly ($240 p.a.)
95%
Fix your interest rate for 2 years to know your budget.
4.88%
4.94%
$595
$0 p.a.
90%
Low interest rate. Ideal for first home buyers and owner- occupiers. Plus $0 application fee for a limited time.
4.24%
5.25%
$595
$20 monthly ($240 p.a.)
95%
Lock in this low fixed rate for one year. Make and redraw extra repayments in fixed rate period.
4.24%
5.58%
$595
$20 monthly ($240 p.a.)
90%
Fixed rate loan with low minimum amount, ongoing fee and with redraw facility.
5.27%
5.34%
$595
$0 p.a.
95%
No ongoing fees, unlimited extra repayments and a 100% offset account all help to pay off a home loan sooner.
5.47%
5.76%
$595
$20 monthly ($240 p.a.)
80%
A home loan which caters to those who are self-employed.
5.22%
5.51%
$595
$20 monthly ($240 p.a.)
70%
A flexible variable rate home loan for the self-employed.
5.94%
6.09%
$595
$20 monthly ($240 p.a.)
80%
Lock in an interest rate for 10 years and be comforted by knowing how much you will repay each month.
4.64%
5.41%
$595
$20 monthly ($240 p.a.)
80%
A five year fixed rate loan for those self-employed borrowers.
4.64%
5.47%
$595
$20 monthly ($240 p.a.)
80%
Lock in an interest rate for four years and know what your repayments will be.
4.50%
5.49%
$595
$20 monthly ($240 p.a.)
80%
A fixed rate loan for the self-employed so they can keep a closer eye on their budget.
4.34%
5.54%
$595
$20 monthly ($240 p.a.)
80%
With a fixed rate for two years and the ability to repay up to $30,000 per year extra you get piece of mind and flexibility in one loan.
4.59%
5.67%
$595
$20 monthly ($240 p.a.)
80%
Self-employed loan with a short term fixed rate.
5.64%
5.77%
$595
$20 monthly ($240 p.a.)
95%
Know your repayments with this 10 year fixed rate home loan.
4.29%
5.00%
$595
$20 monthly ($240 p.a.)
95%
Five years fixed interest rate with flexible repayment options to suit all.
4.29%
5.06%
$595
$20 monthly ($240 p.a.)
95%
A competitive fixed rate and low ongoing fees help to sort home loan repayments.
5.39%
$0
$375 p.a.
80%
Unlock the equity in your home with no regular payments required if under your credit limit.
4.62%
5.01%
$0
$375 p.a.
80%
With the RAMS Value Advantage Package, you could save up to 1% p.a. off the Standard Variable Rate
6.29%
$595
$20 monthly ($240 p.a.)
70%
A line of credit home loan for self-employed borrowers.
6.54%
$595
$20 monthly ($240 p.a.)
80%
A line of credit home loan for self-employed borrowers.
4.98%
5.37%
$0
$375 p.a.
90%
No ongoing fees, unlimited extra repayments and a 100% offset account all help to pay off a home loan sooner.
4.84%
5.95%
$595
$20 monthly ($240 p.a.)
80%
Offers a 3 year competitive fixed rate with low ongoing fees.
5.78%
5.85%
$595
$0 p.a.
90%
No ongoing fees, unlimited extra repayments and a 100% offset account all help to pay off a home loan sooner.
6.39%
$595
$20 monthly ($240 p.a.)
80%
Access the equity in your property using cheque, debit card, BPAY or Bank@Post.

Compare up to 4 providers

RAMS home loan products

The RAMS website offers advice, tools, information and support. You can find out more about their products there too. Let's take a look at each of them in part, and see how much they can be of help to those searching for better deals:

Low Rate Home Loan

The RAMS Low Rate Home Loan offers a low variable rate with all the features you may be looking for in your home loan, it comes with a 100% offset account and is a great option if you are looking for your first home or your latest investment. With an interest only period of up to 10 years on a loan for investment purposes or 5 years for owner occupier loans this loan offers a competitive rate and an array of features.

More About Low Rate Home Loan

Line Of Credit Home Loan

Unlock the equity you have built in your home to do some renovations or even just as you need a little extra cash flow, with a debit card attached you can access your funds like you would your regular savings. No need to make regular repayments but these can be made with flexibility and ease or you can choose to pay it off early if your circumstances change and you no longer need access to the funds.

More about Line of Credit Home Loan

Fixed Rate Home Loan

The Fixed Rate Home Loan offer comes with a set of fixed rate periods ranging from one to ten years. The maximum LVR is at 95%, and you can borrow a minimum of $15,000. During the fixed rate period, you can deposit up to $30,000; the loan also comes with a redraw and loan splitting option, as well as various flexible features including a construction and lifestyle option, a value advantage package to help you save money and a deposit bond to help you arrange deposits without having to touch upon your savings.

More about Fixed Rate Home Loan

Full Feature Home Loan

The RAMS Full Feature Home Loan has many features and is suitable for first home buyers, owner occupiers and refinancers. Deposit your salary into your mortgage and you could reduce your loans faster and have easy access to your redraw facilities which includes 25 free transactions per month with your debit card, ATM or cheque.

More about Full Feature Home Loan

Self-Employed Home Loans

RAMS specialist home loans for the self-employed offer the option of a variable, fixed rate or line of credit loan depending on your circumstances and a simplified application process that suits self-employed applicants.

More about Self-Employed Variable Home Loans

Value Advantage Package

The RAMS Value Advantage Package includes interest rate discounts and the waiving of certain fees associated with your chosen home loan. There is a range of RAMS home loans that are eligible to be included with the Value Advantage Package including the Full Feature Home Loan, Fixed Rate Home Loan, Line of Credit Home Loan, Self-Employed Home Loans with fixed, variable or line of credit facilities.
More About Value Advantage Package Home Loan

Investor Home Loan

RAMS also offers fixed and variable rate home loans for investors. Borrow up to 90% and take advantage of a competitive investment home loan interest rate.

More About Investor Home Loan

Was this content helpful to you? No  Yes

Related Posts

This page was last modified on 24 November 2017 at 10:47am.

NAB Choice Package Home Loan - 2 Year Fixed (Owner Occupier P&I)

A fixed rate package with flexible repayment options. 350K NAB Rewards Points offer available. Terms and conditions apply.

IMB Budget Home Loan - LVR <=90% (Owner Occupier, P&I)

Get a competitive rate without features you may not use.

Newcastle Permanent Building Society Premium Plus Package Home Loan - New Customer Offer ($150,000+ Owner Occupier, P&I)

Apply for a new owner occupier loan or refinance from another lender and receive this discounted rate.

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, read the PDS or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.

13 Responses

  1. Default Gravatar
    BruceNovember 13, 2017

    Does RAMS offer a Interest only home loan

    • Staff
      ArnoldNovember 13, 2017Staff

      Hi Bruce,

      Thanks for your inquiry

      You may check this page for RAMS Fixed Rate Home Loans. This loan is available for owner occupiers or investors and can be paid either with principal and interest or interest-only repayments. It can be used to purchase an already established home or to fund the construction of a new property with a minimum loan amount of $15,000.

      Hope this information helps

      Cheers,
      Arnold

  2. Default Gravatar
    FrankMay 23, 2014

    I am shopping for a mortgage on good interest rate and my father is able to discuss anything about it.

    • Default Gravatar
      FrankMay 30, 2014

      Hi
      !
      I asked direct questions and I need a direct answer. No need to shop around here.
      Thank you,
      Frank

    • Staff
      ShirleyJune 2, 2014Staff

      Hi Frank,

      Thanks for your question.

      Unfortunately we are not qualified to advise which loan is best for your situation. Please speak to a mortgage broker who will more than happy to assist you.

      Cheers,
      Shirley

  3. Default Gravatar
    NiNovember 21, 2013

    Hi there,
    I wonder that me and my partner can loan from ram and how much can we loan? He works in IT will be 6months in Dec and I just got a part time job a week agoes in Crown Perth. His income is 55k a year and I earn around 800-1600+ fortnight.

    Regards,
    Ni

    • Staff
      ShirleyNovember 21, 2013Staff

      Hi Ni,

      Thanks for your comment.

      Please use our borrowing power calculator to give you an indication. To be eligible for a RAMS home loan you’ll need to be over 18 and a permanent resident or citizen of Australia. You’ll also need to meet RAM’s lending guidelines which will be made available when you enquire with RAMS.

      Hope this helps,
      Shirley

  4. Default Gravatar
    teresaAugust 9, 2013

    I am on a an aged pension have got $53,000 am I able to borrow a home loan of $93,000, the value of the home is around $140,000. the loan would be over 10 years approx

    • Staff
      ShirleyAugust 9, 2013Staff

      Hi Teresa,

      Thanks for your comment.

      This question is best directed to RAMS, as they will assess you against their lending criteria. Our borrowing power calculator may give you an indication.

      Cheers,
      Shirley

  5. Default Gravatar
    caroleJuly 8, 2013

    My partner and I want to buy a house that we think may sell for around 250,000.
    We have no deposit, however he has a property with his ex wife that is worth around 400,000.
    Unfortunately it is in her name.
    He is waiting for settlement which is in the hands of a solicitor now.
    There is $60,000 owing on his house.
    Once settlement is through he will pay most of the loan out.
    I am a registered nurse with a permanent job.
    This house is to be auctioned early August, so we need the money asap.
    Is it possible to borrow 100% if a family member can go guarantor??

    • Staff
      ShirleyJuly 9, 2013Staff

      Hi Carole,

      Thanks for your comment.

      Yes, with a guarantor you can borrow up to 120% LVR with RAMS, depending on your financial situation and your eligibility to their lending criteria.

      If you think a particular RAMS home loan is right for you and you meet the lending criteria, you can click enquire and you’ll be safely redirected to RAM’s enquiry page.

      Cheers,
      Shirley

    • Default Gravatar
      LinnyJuly 14, 2013

      Hi i have a question that i would like to ask, i know that Westpac owns Rams but who processes the Rams home loan application? Rams or Westpac?
      Thank you
      Linny

    • Staff
      MattJuly 15, 2013Staff

      Hi Linny,

      Great question – thanks for asking!

      RAMS Home Loans applications are processed through RAMS and you will deal with a RAMS representative the throughout the whole process.

      I hope this helps.

      Matt

Ask a question