RAMS Home Loans Solutions

Compare our home loans and find a RAMS home loan that's right for you. RAMS is Australia's specialist home loan lender.

  • Lower Standard Variable Rate than the big four banks

    The RAMS Home Loans Standard Variable Rate is lower than the big four banks. If you're on a standard variable rate for your home loan with one of the big four banks, see how much you could save on your home loan.
  • No deposit home loan

    Looking for a home loan where you can borrow the full purchase price? Ask RAMS.
  • Can't pay the rent and save money for a deposit?

    No worries! A RAMS Fast Track Home Loan could be the perfect solution!
  • Why pay more just because you’re self-employed?

    Not only could RAMS Home Loans range of Low Doc home loans save you money, you’ll also save time with less paperwork and no need to supply full financials. Check out our RAMS SE Pro Pack Home Loan today!
  • Do you want to get back in control of your home loan?

    Check out our range of home loan refinancing solutions: RAMS Easy Start, RAMS SmartWay Pro Pack and RAMS Basic home loans. Or request an appointment with a RAMS Home Loans specialist today!

How Can We Help You?

RAMS Home Loans is an innovative, flexible, home loan specialist with a 'can do' attitude.
For over ten years, tens of thousands of Australians have turned to RAMS for straightforward, flexible home loans offering good value for money.

Now with the funding power of a leading Australian bank, RAMS Home Loans offers the best of both worlds. So whether it's your first home, next home or an investment property, you can rely on RAMS to have a home loan solution that's right for you.Meet with a RAMS Home Loans Specialist today

First Home Buyer

RAMS Home Loans makes it easier to buy your first home faster:

  • With RAMS Home Loans, you can borrow up to 95%* of the full purchase price (or valuation if lower).
  • We'll even help you with your First Home Owner Grant application.
First Home Buyer Home Loans

Fees conditions, limitations and lending criteria apply. *Funds to cover transaction costs and deposit required. Subject to loan serviceability. If for investment purposes, must hold 20% of the purchase price in equity in other residential real estate or income earning assets.

Self-employed

RAMS makes it easier with great rates and simplified paperwork:

  • An easy application process with no need for full financials (subject to credit criteria).
  • Borrow up to 80% of the purchase price with RAMS SE Pro Pack Home Loan.
  • Variable rate home loan options with ATM, EFTPOS and cheque book access.
  • Fixed rate home loan option. Fix your rate for 1, 2, 3, 4, 5 or 10 years.
Self-Employed Home Loans

Fees conditions, limitations and lending criteria apply.

Refinancing

Whatever you're looking for, RAMS Home Loans makes it easier to refinance:

  • You could receive a lower interest rate on your home loan.
  • You could upgrade to a better home loan for your current circumstances.
  • You can borrow additional funds - to renovate, to invest, or for a major purchase.
  • You could consolidate all your debts into one easy to manage loan, with one monthly repayment.
Refinancing Home Loans

Fees conditions, limitations and lending criteria apply.

Investor

RAMS makes it easier to reach your property investment goals:

  • Rental income and negative gearing benefits are included in borrowing assessments. So you may be able to borrow more than with many other lenders.
  • Borrow up to 95%* of the purchase price (or valuation if lower). You simply need to be able to afford the repayments.
  • Up to 10 years interest only repayments, increasing your potential to tax deduct the entire home loan repayment, for longer.
Property Investment Home Loans

Fees, conditions, limitations and lending criteria apply. See specific products for full details. *Must hold 20% of the purchase price in equity in other residential real estate or income earning investments.

RAMS Home Loans News and Articles
The product conditions set out on this site apply to loans available through RAMS Home Loan Centres. Different product conditions may apply to loans available through RAMS accredited brokers.
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Information for:

Mortgage Business Franchisee Opportunities by RAMS Home Loans
RAMS could give you a Standard Variable Rate that's lower than the banks - Ask us!
RAMS Home Loans have won Money magazine's Non-Bank Lender of the Year Award
RAMS Home Loans has achieved a CANSTAR CANNEX five star rating for its Basic home loan and EasyStart home loan products
RAMS Wins Money magazine’s Cheapest Low-Doc Loan Award 2010
Own Your First Home - clear-cut info, tools and lots more to help buy your first home sooner
Own Your First Home - clear-cut info, tools and lots more to help buy your first home sooner
Buy a home to love - talk to RAMS - click here
RAMS Survey
First Home Buyers - RAMS can help you to buy your first home faster and easier