• Calculate your borrowing profile or check out our savings calculator to see how long it will take to save for a deposit.

  • Home loan calculators

    Whether buying a new home, refinancing an existing home loan or investing in property, RAMS mortgage calculators can give you an estimate of what your repayments could be, based on your home loan amount, your loan type and the interest rate you think you'll be paying.  Once you get an idea of your mortgage repayments from the calculator, together with the rest of your budget, you'll start to see whether you can realistically afford the home you want to buy.  Your local RAMS franchisee can also help guide you through this process.  View all of our calculators.

  • How much could I borrow?

    $
    $
    $
    $

    You could borrow up to

    ${{data.loans[0].borrowingPower | number:0}}

    Assuming a {{ data.loans[0].loanPeriod.initial }} year term

    at an interest rate of {{ data.loans[0].interestRate.ongoing.percent }} % p.a.

    Call us on 13 RAMS, thats 13 7267 about your situation to find the best solution for you.

    How much could my repayments be?

    $
    years
    % p.a.

    Based on the amount you want to borrow, an estimate of your minimum repayments is

    ${{ data.loans[0].calculators.initial.initialRepaymentByPeriodTotal | number:2}} a

    over {{ data.loans[0].loanPeriod.initial }} years

    Call us on 13 RAMS, thats 13 7267 about your situation to find the best solution for you.

    Change the repayment amount below to see how much interest you could save

    Total payable

    ${{data.loans[0].calculators.initial.total.payable | number:2}}

    Interest - ${{data.loans[0].calculators.initial.total.interest | number:2}}

    Principal - ${{data.loans[0].calculators.initial.total.principle | number:2}}

    If {{applicantDictionary(tmp.applicants, 'object')}} repayments are $ {{ data.loans[0].calculators.compare.comparisonRepaymentByPeriodTotal | number:2}} a

    Total payable

    ${{data.loans[0].calculators.compare.total.payable | number:2}}

    Interest - ${{data.loans[0].calculators.compare.total.interest | number:2}}

    Principal - ${{data.loans[0].calculators.compare.total.principle | number:2}}


    Total interest saved

    ${{data.loans[0].calculators.compare.saving.amount | number:2}}

    What are the upfront & ongoing costs?

    $
    $

    Your estimated upfront costs would be

    ${{ data.loans[0].calculators.upfrontCosts.totalUpfrontCosts | number:0 }}

    Your estimated repayments would be

    ${{ data.loans[0].calculators.ongoingCosts.repayments | number : 0}} per month

    and your estimated ongoing costs (excluding repayments) would be

    ${{ data.loans[0].calculators.ongoingCosts.totalOngoingCosts | number:0 }} per month

    Cost breakdown upfront costs

    Government

    $ {{ data.loans[0].calculators.upfrontCosts.government.mortgageRegistration | number : 0}}

    $ {{ data.loans[0].calculators.upfrontCosts.government.transfer | number : 0}}

    $ {{ data.loans[0].calculators.upfrontCosts.government.stampDuty | number : 0 }}

    $ {{ data.loans[0].calculators.upfrontCosts.government.firstHomeGrant | number : 0}}

    $ {{ data.loans[0].calculators.upfrontCosts.government.mortgageDuty | number : 0}}




    RAMS fees

    $ {{ data.loans[0].calculators.upfrontCosts.bank.settlement | number : 0}}




    Lender's Mortgage Insurance

    $ {{ data.loans[0].calculators.upfrontCosts.lmi| number : 0}}




    Other upfront costs to consider

    $ {{ data.loans[0].calculators.upfrontCosts.movingFee.value | number: 0 }}

    $ {{ data.loans[0].calculators.upfrontCosts.pestInspection.value | number: 0 }}

    $ {{ data.loans[0].calculators.upfrontCosts.conveyancingFee.value | number: 0 }}

    Cost breakdown ongoing costs

    Repayments

    $ {{ data.loans[0].calculators.ongoingCosts.repayments | number : 0}}/month

    a {{ data.loans[0].loanPeriod.initial }} year term at an interest rate of {{ data.loans[0].interestRate.ongoing.percent }} % p.a.




    RAMS fees




    Other ongoing costs to consider

    $ {{ data.loans[0].calculators.ongoingCosts.strata.value | number: 0 }} /month

    $ {{ data.loans[0].calculators.ongoingCosts.council.value | number: 0 }} /month

    $ {{ data.loans[0].calculators.ongoingCosts.utility.value | number: 0 }} /month

    $ {{ data.loans[0].calculators.ongoingCosts.homeContentInsurance.value | number: 0 }} /month

  • How much you could save by making additional repayment(s)

    $
      
    % p.a.
      
    years
    $
    $
      
    Year(s)

    Total interest saved

    ${{data.loans[0].calculators.extraLumpSum.saving.interest | number:2}}

    You could pay off your loan in

    {{data.loans[0].calculators.extraLumpSum.saving.time}}

    Total interest saved

    ${{data.loans[0].calculators.extraLumpSum.saving.interest | number:2}}

    You could pay off your loan in

    {{data.loans[0].calculators.extraLumpSum.saving.time}}

    Have you considered how much you could save by using an offset account?

    How much you could save by using an offset account?

    $
      
    % p.a.
      
    years
    $
    $

    Total interest saved on your home loan

    ${{data.loans[0].calculators.offset.saving.interest | number:0}}

    You could also unlock equity to borrow more

    How much equity you could unlock to borrow more

    $
      
    %
      
    years
    $

    You could unlock useable equity

    ${{data.loans[0].calculators.unlockEquity.result | number:0}}

    You may be able to borrow more but Lender's mortgage insurance may be applicable.

    Your repayment could be

    ${{ data.loans[0].calculators.unlockEquity.repayments.tempOngoing | number:0}} a

    This would be your new repayment if you unlock all of your useable equity.

    You need to apply to increase your home loan in order to access useable equity. Applications are subject to RAMS credit criteria, and fees and charges apply.

    Want to find out more about your home loan options?

  • Budget calculator

    The RAMS budget calculator helps you work out where your money is going, and what your net disposable income is after tax.

    Choose your income and expenses items from the list, or create your own.

    When you have finished try our home loan calculators to get an estimate of what your home loan repayments could be.

  • Income after tax

    Total income

    ${{budgetIncome.getTotalValueByPeriod(budgetIncome.resultPeriod.use) | number: 2}}

    Expenses

    Total expense

    ${{budgetExpense.getTotalValueByPeriod(budgetExpense.resultPeriod.use) | number: 2}}

    Total expense: ${{budgetExpense.getTotalValueByPeriod(overallResultPeriod.use) | number: 2}}

    Total income: ${{budgetIncome.getTotalValueByPeriod(overallResultPeriod.use) | number: 2}}

    You could earn bonus interest on your savings with a RAMS Saver account

  • Savings calculators

    Saving for a goal is easier when you can do the sums upfront and see the road ahead. Feel confident of reaching that goal with these RAMS savings calculators.

  • How much could I save?

    $
    $
    Year(s)

    With a RAMS Saver,

    Your total savings

    ${{data.savings.calculatedSavings | number:2}}

    If you make no withdrawals

    Got an amount you're saving towards in mind?

    How long to reach my savings goal?

    $
    $
    $

    With a RAMS Saver,

    It will take this long to reach your savings goal

    {{data.savings.timeToReachGoal.monthsYears}}

    How much interest could I earn?

    $
    $
    Year(s)

    With a RAMS Saver,

    Your interest earned

    ${{data.savings.interestEarned | number:2}}

    If you make no withdrawals

    Learn more about our savings account

  • Home Loan Key Facts Sheets

    A Home Loan Key Facts Sheet is an easy way to help you understand and compare home loans. Please fill out all the fields marked * and click “Submit” to view your Home Loan Key Facts Sheet.

    You can save and print the Home Loan Key Facts Sheet.