RAMS Home Loans Australia - RAMS Mortgage provider- Community based and community focused Home Loan specialists

Call

13 RAMS 13 7267

Blog

Contact us

Find us

About RAMS

Demo Information

We won.
Now you win.

Receive a special offer on our award winning home loan.
Limited time only!

Fix Your Home Loan

5.99% p.a.
RAMS 3-year Fixed Rate

7.18% p.a.
Comparison Rate
Limited time only!

Borrow up to

97^%

of the
property value
Learn More

Our standard variable rate is

lower

than the big four banks
Learn More

Interest rates

Cheaper SVRSVR = Standard Variable Rate than the big four!

	Standard Variable p.a.	Comparison Rate* p.a. A nominal interest rate incorporating certain fees and charges to help consumers identify and compare the true cost of a home loan
RAMS	6^.96%	7^.03%

ANZ¹ ANZ Standard Variable home loan	7.36%	7.46%
Commonwealth² Commonwealth Standard Variable home loan	7.01%	7.15%
NAB³ NAB Tailored home loan	6.99%	7.12%
Westpac⁴ Westpac Rocket Repay home loan	7.09%	7.22%

Compare more rates

Popular loans

Our most popular home loans

	Interest Rate p.a.	Comparison Rate* p.a. A nominal interest rate incorporating certain fees and charges to help consumers identify and compare the true cost of a home loan
Low Rate (with intro period)	6^.15%Variable	6^.47%
Fixed Rate	5^.99%3 year fixed rate	7^.18%

More home loans

Home loans

Choose the right one for you

First home buyer

Buy your first home faster with RAMS

Borrow up to 95%* of the full purchase price

Step-by-step guidance to the buying process

Self-employed

Great rates and simplified paperwork

Easy application process with no need for full financials

Special range of Low Doc home loans

Refinancers

Borrow additional funds - to renovate or invest

Get a better deal, more flexibility and features than your current loan

Consolidate your debts into one monthly repayment

Investors

Borrow more with RAMS than with some other lenders

Loans with up to 10 years interest only repayments

First-time property investing made easy with our KickSTART program

Calculators

Make the right decision

Budget planner

Mortgage repayments calculator

How much can I borrow?

Stamp duty calculator

More calculators

The home loan experts

Find out how RAMS can help you

Free and fast assessments - in just 30 minutes

Convenient locations - or we can come to you

Talk to us:
Meet with a home loan expert Have us call you

Joel Wecker is the local manager at RAMS Darwin
Find your local RAMS Home Loan Centre

RAMS Home Loans news and articles

Previous article

Government Assistance for First Home Buyers
Buying your first home can be a daunting experience, but the federal and state governments alike are united in their desire to see Australia remain a nation of homeowners.
Read more
How to get on the Property Ladder
RAMS experts offer their tips for starting the journey to home ownership Owning a home is a dream for many people, but a surprising number believe it is unattainable.
Read more

Next article

Follow us on Twitter

Franchisees

Fees, limitations and lending criteria apply. *Maximum LVR is 80% inclusive of Lenders Mortgage Insurance.
Please note: The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest repayments.
WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.