RAMS Home Loans

Rates and Fees verified correct on October 21st, 2016

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, looking to get your first home, refinance previous loans or buy an investment property, the home loans offered by RAMS can help you overcome any potential challenges and reach your goals in a timely fashion.

RAMS have been able to excel in the Australian financial market since the deregulation of the industry in the 1980s. This made room for innovative, flexible and dedicated lenders to provide an alternative to the big banks in Australia who were previously able to exert a stranglehold over the market, and didn't have to be competitive on fees and interest rates.

Rates last updated October 21st, 2016
Loan purpose
Offset account
Loan type
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Product nameInterest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
RAMS Low Rate Home Loan - (Owner Occupier)
Low interest rate. Ideal for first home buyers and owner- occupiers. Plus $0 application fee for a limited time.
4.30% 4.36% $595 $0 p.a. 95% More info
RAMS Fixed Rate Home Loan - 3 Year Fixed Rate
A 3 year fixed home loan with a low interest rate.
3.99% 4.99% $595 $20 monthly ($240 p.a.) 95% More info
RAMS Fixed Rate Home Loan - 1 Year Fixed Rate
Lock in this low fixed rate for one year. Make and redraw extra repayments in fixed rate period.
4.39% 5.20% $595 $20 monthly ($240 p.a.) 95% More info
RAMS Fixed Rate Home Loan - 2 Year Fixed Rate
Fix your interest rate for 2 years to know your budget.
3.89% 5.05% $595 $20 monthly ($240 p.a.) 95% More info
RAMS Full Feature Home Loan - (Owner Occupier)
No ongoing fees, unlimited extra repayments and a 100% offset account all help to pay off a home loan sooner.
5.20% 5.27% $595 $0 p.a. 95% More info
RAMS Self-Employed Loan $15K to $149,999 LVR > 70% (Owner Occupier)
A home loan which caters to those who are self-employed.
5.40% 5.69% $595 $20 monthly ($240 p.a.) 80% More info
RAMS Self-Employed Loan $15K to $149,999 LVR < = 70% (Owner Occupier)
A flexible variable rate home loan for the self-employed.
5.15% 5.44% $595 $20 monthly ($240 p.a.) 70% More info
RAMS Self-Employed Fixed Rate 10 Years (Owner Occupier)
Lock in an interest rate for 10 years and be comforted by knowing how much you will repay each month.
6.09% 6.18% $595 $20 monthly ($240 p.a.) 80% More info
RAMS Self-Employed Fixed Rate 5 Years (Owner Occupier)
A five year fixed rate loan for those self-employed borrowers.
4.49% 5.31% $595 $20 monthly ($240 p.a.) 80% More info
RAMS Self-Employed Fixed Rate 4 Years (Owner Occupier)
Lock in an interest rate for four years and know what your repayments will be.
4.99% 5.55% $595 $20 monthly ($240 p.a.) 80% More info
RAMS Self-Employed Fixed Rate 3 Years (Owner Occupier)
A fixed rate loan for the self-employed so they can keep a closer eye on their budget.
4.29% 5.39% $595 $20 monthly ($240 p.a.) 80% More info
RAMS Self-Employed Fixed Rate 2 Years (Owner Occupier)
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.
4.19% 5.46% $595 $20 monthly ($240 p.a.) 80% More info
RAMS Self-Employed Fixed Rate 1 Year (Owner Occupier)
Self-employed loan with a short term fixed rate.
4.69% 5.62% $595 $20 monthly ($240 p.a.) 80% More info
RAMS Fixed Rate Home Loan - 10 Year Fixed Rate
Know your repayments with this 10 year fixed rate home loan.
5.79% 5.86% $595 $20 monthly ($240 p.a.) 95% More info
RAMS Fixed Rate Home Loan - 5 Year Fixed Rate
Five years fixed interest rate with flexible repayment options to suit all.
4.19% 4.92% $595 $20 monthly ($240 p.a.) 95% More info
RAMS Fixed Rate Home Loan - 4 Year Fixed Rate
A competitive fixed rate and low ongoing fees help to sort home loan repayments.
4.69% 5.15% $595 $20 monthly ($240 p.a.) 95% More info
RAMS Investor Home Loan
Interest-only repayments for 5 or 10 years. Construction and Fast Track Options available.
5.80% 5.87% $595 $20 monthly ($240 p.a.) 95% More info
RAMS Line of Credit Value Advantage Package - LVR <= 80% $500,000 to $999,999
Unlock the equity in your home with no regular payments required if under your credit limit.
4.40% $595 $20 p.a. 80% More info
RAMS Full Feature Value Advantage Package - $150,000 to $249,999 LVR < = 80% (Owner occupier)
With the RAMS Value Advantage Package, you could save up to 1% p.a. off the Standard Variable Rate
4.55% 4.95% $0 $375 p.a. 80% More info
5.30% $595 $20 monthly ($240 p.a.) 70% More info
5.55% $595 $20 monthly ($240 p.a.) 80% More info
4.75% 5.14% $0 $375 p.a. 90% More info
4.44% 5.60% $595 $20 p.a. 80% More info
RAMS Full Feature Home Loan - (Investor)
No ongoing fees, unlimited extra repayments and a 100% offset account all help to pay off a home loan sooner.
5.45% 5.52% $595 $0 p.a. 95% More info

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 of you are looking for your first home or your latest investment. With an interest only period that can be for up to 10 years on a loan for investment purposes or 5 years for owner occupier loans this is a great low rate loan packed full 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.

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.

Self-Employed Home Loans

When you are self-employed you don't tend to have all the regular documents requested by banks when looking for a home loan so take out one of RAMS specialist home loans for the self-employed. You have the option of a variable, fixed rate or line of credit loan depending on your circumstances and simplified application process that suits self-employed applicants.

Value Advantage Package

Add a bit extra to your home loan with RAMS Value Advantage Package including 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

Along with the ability to take out one of the above home loans when purchasing your next investment property, RAMS also have a specific home loan for investors who are looking for a loan just for them. Borrow up to 95% and take advantage of a competitive investment home loan variable interest rate.

More About Investor Home Loan

Why should you choose RAMS?

communityWhen it comes to RAMS, the call of the day is flexibility and simplicity. The company is well-known for its ability to provide a wide variety of innovative home loan solutions for Australian customers, offering support for first home buyers, self-employed borrowers and advantageous transactional loans for all those looking for better offers.

Community focus

Currently there are over 73 RAMS Home Loan Centres established in Australia in both metropolitan and regional areas, with new centres opening all the time. If customers cannot make it to a RAMS Loan Centre for whatever reason, a RAMS Home Loan Specialist is more than happy to come to you at your home or office.

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This page was last modified on 12 September 2016 at 17:07.

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CUA Fresh Start Basic Variable Home Loan - Owner Occupier

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11 Responses to RAMS Home Loans

  1. Default Gravatar
    Frank | May 23, 2014

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

    • Default Gravatar
      Frank | May 30, 2014

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

    • Staff
      Shirley | June 2, 2014

      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.


  2. Default Gravatar
    Ni | November 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.


    • Staff
      Shirley | November 21, 2013

      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,

  3. Default Gravatar
    teresa | August 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
      Shirley | August 9, 2013

      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.


  4. Default Gravatar
    carole | July 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
      Shirley | July 9, 2013

      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.


    • Default Gravatar
      Linny | July 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

    • Staff
      Matt | July 15, 2013

      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.


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