Rating based on 32 reviews

RAMS

Updated

  • Home loans up to $500,000
  • Low-interest starting from 3.59%
  • Repayment up to 30 years

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Author RAMS. Screenshot of RAMS website. [Accessed April 12, 2018]

RAMS - flexible home loans

We offer our clients a low rate home loan that is flexible and it has all the features you may be looking for, it also comes with a 100% offset account this is a great option should you be looking for your first home or even an investment.

The low rate loan comes with an interest-only period of up to ten years on a loan for investment purposes or five years for owner occupier loan. This loan offers you a competitive rate and a range of features.

Some benefits of this loan

  • Helpful resources – We offer a useful checklist, you can call on our experts plus there is a calculator that can assist you in making your first home purchase as straightforward as possible
  • Choice – We have a range of flexible home loans; there’s one that’s certain to fit your requirements
  • Keeping it real - We have efficient decision making from a smaller, more nimble home loan specialist.

Our loans have many benefits

Purchasing your first home can be unnerving. Then there are questions like how much you can borrow and what the mortgage processes are? Because this will arguably be your biggest investment!

But with Rams not only will you get unbiased answers to these questions, but you will receive personable service too.

Fixed rate - benefits

  • This is Ideal for first home buyers and investors
  • You are able to select from a wide range of fixed-rate periods between one and ten years and 10 year periods.
  • Down payment of up to an added $30,000 for the period of the fixed rate, without suffering fixed rate break costs.
  • There is also the possibility redrawing any extra repayments that you have deposited to assist you to deal with life’s little emergencies/disasters as an emergency loan facility (a minimum of $1,000 is required, and please note that conditions and fees apply, which are subjected to RAMS’ approval)

RAMS Home loan

  • Loan Type Home loans
  • Interest Rate 3.595.41% p/a
  • Loan Amount up to $500,000
  • Repayment 5 years to 30 years

Benefits of RAMS

  • Flexible home loan features and options
  • No monthly fees
  • Choose between home loan options

RAMS – Full feature home loan

We offer our clients a Low Rate Home Loan that is flexible and it has all the features you may be looking for, it also comes with a 100% offset account this is a great option should you be looking for your first home or even an investment.

The Low Rate Loan comes with an interest-only period of up to ten years on a loan for investment purposes or five years for owner occupier loan. This loan offers you a competitive rate and a range of features.

Value advantage package

There are a range of home loans that RAMS offers and that are suitable to include in the Value Advantage Package such as the Full Feature Home Loan, Line of Credit Home Loan, Self-Employed Home Loan, Fixed Rate Home Loan, flexible or line of credit facilities, plus the RAMS Value Advantage Package includes interest rate discounts and the waiving of certain fees that are associated with your choice of home loan.

The line of credit home loan

If you need some extra cash or perhaps you would like to do some renovations in your home, you can think about unlocking the equity you’ve built up in your home. With a debit card in place, you are able to access your funds like you would your regular savings account. You can choose to pay it off sooner should your situation change and you no longer need to access the funds. The repayments are flexible and you can pay it with ease, you don’t need to make regular repayments because they are so flexible. This essentially offers home owners a way to get a quick loan without having to worry about expensive fees. 

Fixed rate home loan

We offer a Fixed Rate Home Loan that comes with a set of fixed-rate periods that range from one to ten years. The LVR is maximum is at 95% and the amount you can borrow is a minimum of $15 000. Within the fixed-rate period, you may deposit up to $30,000. The fixed-rate loan also comes with a redraw and loan splitting option plus other various flexible features that include: a value advantage package to help you save money, a construction and lifestyle option and a deposit bond to help you arrange deposits without having to touch upon your savings.

Full feature home loan

The Rams Feature Home Loan is suitable for the first time home buyer and offers many great features such as owner-occupier and refinancers. You could reduce your loans faster and have easy access to your redraw facility by depositing your salary into your mortgage this includes 25 free transactions monthly with your cheque, debit card or ATM.

Self-employed home loans

For the self-employed RAMS offer specialist home loans, the option of flexible, fixed-rate or line of credit loans, depending on your online loan application process or circumstances.

Investor home loan

This is a good loan for those who want to invest; we offer a fixed and flexible rate home for investors. You can borrow up to 90% and then benefit from our competitive investment home loan interest rate.

Home loan calculators

RAMS mortgage calculators can give you an estimation of what your repayments could be, but it’ll be based on what amount you have in mind or the amount that has been approved, the loan type as well as the interest rate you think you’ll need to pay. It doesn’t matter if you’re buying your first home if you’re refinancing an existing home loan or maybe you’re investing in property. Once you some sort of clue of the amount is, and take the rest of your budget into consideration, you’ll more or less know if you have the affordability and be in a possession to purchase your own home.

You can view all our calculators or you could find a RAMS nearest to you and our Expert Consultants will advise you on any queries or questions you may have.

man holding thumbs up

RAMS is a trusted & reliable provider of home loans

In our review, RAMS adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, as well as the National Consumer Credit Protection Regulations 2010, where the granting the loan will not cause financial distress to the consumer.

RAMS is a registered credit provider in Australia; ACL 233714

Customer Reviews & Testimonials

If you are looking for low rates and good service, RAMS is what you need.

Timothy B
— Gold Coast —

They really do offer a straight forward online application that is a minimal fuss. Give them a try!

Amanda H
— Townsville —

RAMS has lived up to every one of my expectations and they have delivered on their promises to me. I highly recommend them!

Elizabeth J
— Sydney —

Buying a home is expensive therefore, it was important for us to broker our home loan with a low-interest rate and affordable fees, we found that in RAMS.

Nathaniel J
— Canberra —

RAMS Contact

Contact Number

E-Mail

  • not available

Website

Physical Address


Postal Address

  • RAMS Privacy Officer, Locked Bag 5001, Concord West, 2138, Australia

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed