• About RAMS

    RAMS offers Australians a genuine financial services alternative by making it simple and real. RAMS has a range of everyday financial products including home loans, online savings and transaction accounts and can assist with home and contents insurance, and mortgage protection insurance.

    Helping Australians own their own homeAbout RAMS

    Since 1995, RAMS has been helping Australians realise the ‘Great Australian Dream’ of owning their own home. RAMS has done that through an extensive and innovative range of home loans and flexible options - making it affordable for people to own their home.

    New era as RAMS launches online deposits

    Traditionally RAMS has offered simple, affordable home loans to Australians and now this experience has been extended to offer highly competitive interest rates and a simple, online sign-up for savings and transaction accounts. The RAMS Action everyday transaction account can link to a mortgage offset, to help customers pay off their home loans faster. RAMS Saver is a high interest savings account that provides great rates to help customers save more.

     

    RAMS Home loans

    Expert advice. Community based. Community focused.

    Currently there are, 66 RAMS franchisees operating over 77 RAMS Home Loan Centres in both metropolitan and regional areas, and we're opening new centres around Australia all the time.

    RAMS Home Loan Centres are open Mon-Fri and Sat by appointment. However, if customers aren't able to make it to a RAMS Home Loan Centre, an experienced RAMS Home Loan specialist can visit them at their home or office.

    The history of RAMS

    • 'Registered Australian Mortgage Securities’ (RAMS) was formed in 1991 and the RAMS Home Loans brand was launched to the retail market in 1995
    • In the early days, RAMS Home Loans’ range of services was made available to customers via its call centre (13 RAMS, that’s 13 7267), the RAMS website, www.rams.com.au and a team of mobile RAMS Home Loan Managers
    • In 2002, two RAMS Home Loan Centres were opened on a trial basis proving extremely popular with customers
    • In early 2003, RAMS rolled out a proprietary franchise network of RAMS Home Loan Centres across Australia which was complemented by third party brokers
    • In July 2007, RAMS Home Loans Group Ltd (RHG) listed on the Australian Stock Exchange
    • In January 2008, the RAMS brand and distribution business was bought by Westpac Banking Corporation.
    • In May 2012, RAMS launched savings and transaction accounts
  • Government Guaranteed Deposits

    The Financial Claims Scheme for Authorised Deposit-Taking Institutions

    The Financial Claims Scheme (FCS) is the Australian Government’s guarantee on deposits and is administered by APRA. The FCS guarantees deposits, up to a cap, held in Australian banks, building societies and credit unions (Authorised Deposit- taking Institutions or ADIs). It protects depositors by giving them quick access to their funds if an ADI becomes insolvent.

    From 1 February 2012, the FCS guarantees deposits up to a cap of $250,000 per account-holder, per ADI.  Special provisions apply to term deposits which existed on or before 10 September 2011.

    The FCS applies to deposits held in Westpac Banking Corporation, including its Divisions - RAMS, St.George Bank, Bank of Melbourne, and BankSA.

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  • Why Choose RAMS?

    • Great rates
    • Award winning
    • Personalised service
    • Real choice and better value