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RAMS Home Loans

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


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On this page you can find information about RAMS home loans. Skip ahead to the full table of products or read more about the lender.

Compare RAMS home loans

Compare RAMS home loan products below and hit "load more" to see a fuller selection of loans. You can also find more information on each individual product by clicking "more info".

Data indicated here is updated regularly
Loan purpose
Offset account
Loan type
Repayment type
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Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
RAMS Fixed Rate Home Loan Package - 3 Year Fixed Rate (Owner Occupier, P&I)
$20 monthly ($240 p.a.)
A 3 year fixed home loan with a low interest rate.
RAMS Fixed Rate Home Loan Package - 3 Year (Investor, P&I)
$20 monthly ($240 p.a.)
Fixed rate loan with low minimum amount, ongoing fee and with redraw facility.
RAMS Essential Home Loan - (Owner Occupier, P&I)
$0 p.a.
Low interest rate mortgage suitable for first home buyers and owner occupiers who only have a 5% deposit.

Compare up to 4 providers

RAMS lender profile

  • 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.
  • RAMS is a subsidiary of the Westpac Group. They have over 70 home loans centres across the country.

How do I apply for a RAMS mortgage?

Click on any RAMS product in the comparison table to learn more about the product.


Each RAMS product have specific eligibility criteria but some will apply to all products. For example:

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with RAMS you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

  • Identification documents. You will need identification such as a driver's license, passport or birth certificate.
  • Proof of income documents. Recent payslips can establish your income.
  • Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

Detailed guide to home loan applications and paperwork

Looking for more mortgage options?

More guides on finder

  • RAMS Line of Credit Home Loan

    The RAMS Line of Credit home loan allows you to access the equity in your home via a range of flexible options, with interest charged only if you exceed your credit limit.

  • RAMS Full Feature Home Loan review

    The RAMS Full Feature Home Loan offers an extensive range of benefits to owner-occupiers, investors and first home buyers.

  • RAMS Self-Employed Fixed Rate Home Loan review

    The RAMS Self-Employed Fixed Rate Home Loan is a low-doc loan for self-employed borrowers who can’t provide up-to-date financial information when applying for a loan.

  • RAMS Value Advantage Package

    A new offering from RAMS Home Loans can see you get a discount of up to 1% p.a. on the life of your home loan with the Value Advantage Package.

  • RAMS Fixed Rate Home Loan

    The RAMS Fixed Rate Home Loan offers customers plenty of flexibility, with the added peace of mind that comes from the unchanging interest rate.

  • RAMS Essential Home Loan

    The RAMS Essential Home Loan allows customers to take advantage of a low interest rate without having to pay for unnecessary added features.

Home Loan Offers

Important Information*
Logo for Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)
Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)

Up to $3,000 refinance cashback. A flexible and competitive variable rate loan. Eligible borrowers refinancing $250,000 or more can get $2,000 cashback per property plus a bonus $1,000 for their first application. Other conditions apply.

Logo for St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)
St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)

Up to $4,000 refinance cashback. A competitive variable rate loan from St.George. Refinancers borrowing $250,000 or more can get $4,000 cashback (Other terms, conditions and exclusions apply).

Logo for Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I
Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I

A competitive variable rate mortgage for owner occupiers $0 application and $0 ongoing fees. This interest rate falls over time as you pay off the loan.

Logo for UBank UHomeLoan Variable Rate - Discount Offer for Owner Occupiers, Variable P&I Rate
UBank UHomeLoan Variable Rate - Discount Offer for Owner Occupiers, Variable P&I Rate

Take advantage of a low-fee mortgage with a special interest rate of just 2.49% p.a. and a 2.49% p.a. comparison rate.

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13 Responses

  1. Default Gravatar
    BruceNovember 13, 2017

    Does RAMS offer a Interest only home loan

    • Default Gravatar
      ArnoldNovember 13, 2017

      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


  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

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

    • Avatarfinder Customer Care
      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.


  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.


    • Avatarfinder Customer Care
      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,

  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

    • Avatarfinder Customer Care
      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.


  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??

    • Avatarfinder Customer Care
      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.


    • 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

    • Avatarfinder Customer Care
      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.


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