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RAMS Home Loans

RAMS has home loan rates starting from 4.64%.

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RAMS offers a range of home loans for Australian borrowers. Check out the full table of RAMS products below or read more about the lender.

Compare RAMS home loans for August 2022

1 - 5 of 15
Name Product Comparison Rate Fees Monthly Payment

RAMS Fixed Rate Home Loan Package
Principal & interestOwner-occupier 2Y Fixed5% min. deposit
Principal & interestOwner-occupier 2Y Fixed5% min. deposit
Interest Rate
  • Application: $595
  • Ongoing: $20 per month

RAMS Fixed Rate Home Loan Package
Principal & interestInvestment 3Y Fixed10% min. deposit
Principal & interestInvestment 3Y Fixed10% min. deposit
Interest Rate
  • Application: $595
  • Ongoing: $20 per month

RAMS Fixed Rate Home Loan Package
Principal & interestOwner-occupier 3Y Fixed5% min. deposit
Principal & interestOwner-occupier 3Y Fixed5% min. deposit
Interest Rate
  • Application: $595
  • Ongoing: $20 per month

RAMS Fixed Rate Home Loan Package
Principal & interestOwner-occupier 1Y Fixed5% min. deposit
Principal & interestOwner-occupier 1Y Fixed5% min. deposit
Interest Rate
  • Application: $595
  • Ongoing: $20 per month

RAMS Fixed Rate Home Loan Package
Principal & interestInvestment 2Y Fixed10% min. deposit
Principal & interestInvestment 2Y Fixed10% min. deposit
Interest Rate
  • Application: $595
  • Ongoing: $20 per month

Compare up to 4 providers

RAMS key facts

  • It's an Australian lender based in both metropolitan and regional areas of Australia.
  • It offers home loan products for owner-occupiers and investors.
  • This lender also offers other financial products such as savings accounts, transaction accounts and insurance products.

RAMS home loan features

Here are the key features and details you need to know about RAMS' mortgage products.

Minimum depositIt's possible to get a home loan with a deposit as low as 5%.
Offset accountYou can get an offset account with several of its loans.
Repayment optionsMany of its home loans allow you to make interest only repayments for a limited period. The lender also offers the standard principal and interest repayments on its loans.

How do I apply for a mortgage from RAMS?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.


The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.

  • 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:

📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, 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).

How to apply for a home loan

More lenders to compare

Check out Finder's main home loans guide if you want to compare more home loans from a range of lenders. Or you could try one of the following lenders:

  • ING. This online bank is part of the global, Dutch financial group of the same name.
  • Commonwealth Bank. The nation's largest bank has a large selection of home loans and a convenient banking app.
  • UBank. This online bank is actually owned by NAB.
  • Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
  • Tic:Toc. This lender's online application tool can process your mortgage application fast. Backed by the Bendigo and Adelaide Bank.
  • Bank of Queensland. Outside of the Big Four this is one of Australia's larger banks. BOQ owns Virgin Money.
  • HSBC. The local Australian banking arm of this international bank offers various home loans.

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.

Home Loan Offers

Important Information*

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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.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions before making a decision on whether it is right for you.

      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.

      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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