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.

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

How RAMS makes it easier to reach your property investment goals:

  • Borrow up to 95% of the purchase price (or valuation if lower)
  • Up to 10 years interest only repayments
  • Rental Income & negative gearing benefits may be included in borrowing assessments – so you may be able to borrow more.
  • The RAMS KickSTART program with the Property Investor Starter Pack will help make buying your first investment property a breeze.
Property Investment Home Loans

Fees, conditions, limitations and lending criteria apply. New loans only. See specific products for full details.

RAMS Home Loans News and Articles

  • 11/8/10 - Well known and respected local home loans expert wins prestigious Franchise of the Year Award for long standing achievement

    “Local home buyers benefit from face to face service, with easy access to award-winning RAMS home loans. They also receive the peace of mind of being guided through the home buying process by local home loan experts who care about their individual situation,” Mr Kirkpatrick said …...Read more.

  • 12/7/10 - Home loan expert now brings personal home loan service to Frankston

    Known for its good old-fashioned service, the home loans expert is opening its doors in Frankston, Victoria. For many Australian families, the biggest monthly expense is their mortgage so it makes good sense to talk to a local home loan expert who can help you navigate through the home loan lending process… ...Read more.

  • 16/6/10 - RAMS cuts 2 and 3 year fixed interest rates by 0.31%

    RAMS Home Loans announced that it will cut its 2 and 3 year fixed rate home loans by 31 basis points to meet the growing Australian demand for mortgage repayment certainty. ...Read the media release.
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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RAMS could give you a Standard Variable Rate that's lower than the banks - Ask us!
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