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
Who is RAMS?
RAMS is a subsidiary of the Westpac Group, offering a range of competitive financial products with the backing of one of Australia's largest banks. RAMS has been offering flexible and affordable home loans since 1995.
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.
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.
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
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.
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.