• Property Investment

    RAMS understands the needs of property investors are different to those of owner-occupiers. That's why we have a range of investment home loans designed to help you meet your specific financial goals. We make property investment easier.

  • How RAMS can help

    • Borrow more than with some other lenders
    • Borrow up to 95%1 of the purchase price up or to 110% if secured against additional property
    • Up to 10 years interest only repayments

  • Home loans for investors
    Fixed Rate Home Loan

    The easy way to fix your loan

    Details
    Investor Home Loan

    Reach your investment goals

    Details
    Line of Credit

    Unlock the equity in your home

    Details

    At a glance
    Interest rate p.a.

    Based on a $150,000 loan over 25 years
    5.95%
    6.59%
    7.38%
    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
    7.41%
    6.87%
    7.66%
    Max LVR The maximum loan to value ratio (“LVR”) means the amount you can borrow expressed as a percentage of the security (property) value. For example, 90% LVR means you can borrow up to 90% of the value of the property

    95% 2

    952

    90%

            
    Min Loan size Minimum loan size to be borrowed

    $15,000

    $15,000

    $15,000

            
    Max Loan size Maximum loan size to be borrowed

    No maximum3

    No maximum

    No Maximum
    Redraw A redraw facility allows you access to the available funds (if any) in your home loan Yes!
    		Yes!
    		Yes!
    Splitting Splitting the loan into two (or more) accounts, usually one part at a fixed interest rate and the other at a variable interest rate Yes!
    		Yes!
    		Yes!
    Annual fee No
    		No
    		No

    Features
    Value Advantage Package3 Yes! No Yes!
    Deposit Bond Yes! Yes! Yes!
    RAMS Fast Track Yes! Yes! No
    Interest Only In Advance Option5 Yes! No No
    Lifestyle Option Yes! Yes! Yes!
    Construction Option8 Yes! Yes! No
    Bridging Loan No Yes! No

    Fees
    Application fee Fees charged to cover or partially cover the lender's costs of processing a loan approval for a home buyer $595 $595 $595
    Valuation fee

    First valuation is free!

    $150 for each additional valuation

         		First valuation free! $150 for each additional valuation.

    First valuation is free!

    $150 for each additional valuation.
    Account keeping fee $20 per month $20 per month $20 per month
    Discharge fee $295 per loan (plus legal costs) $295 per loan (plus legal costs) $295 per loan (plus legal costs)
    Loan settlement fee $275 $275 $275

  • With flexible features to make buying your first home easier

    Deposit Power Fast Track Bridging Loan See all RAMS
    flexible features

    RAMS offers building, contents and landlord insurance

  • Why Choose RAMS?

    • Great rates
    • Award winning
    • Leading Australian Non-Bank lender
    • Real choice and better value

  • Disclaimer:

    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.

    Fees, charges, limitations and lending criteria apply. *Maximum LVR is 80% inclusive of Lenders Mortgage Insurance. ** Value Advantage Package available for customer’s with total RAMS borrowings of $150,000 or more. Value advantage package is subject to an annual service fee of $325.

  • *RAMS, its franchisees or employees do not accept any responsibility for the accuracy of any reports provided by Residex Pty Ltd.