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.

• 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.

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.

• 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.

Fees conditions, limitations and lending criteria apply.

• 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.

Fees conditions, limitations and lending criteria apply.

• 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.

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.