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RAMS could give you a Standard Variable Rate that's lower than the banks - Ask us!
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RAMS Basic

The no fuss, low rate home loan

RAMS Basic Home Loan is ideal if you’re looking for an easy-to-manage home loan, with a low variable rate and no account keeping fee. Plus you have access to extra features like redraw, but you’ll only be charged for them when you use them.

Product Key Benefits:

  • No account keeping fee minimises your ongoing costs
  • Borrow up to 95%1 of the purchase price (or valuation if lower)
  • Up to 10 years2 interest only repayments
  • Option to make extra repayments (no minimum)
  • Redraw access to overpayments (no minimum)
  • RAMS Fast Track No deposit option available (owner occupiers only)
  • Lifestyle Option available
  • Construction Option available

Scenario

The Problem:

Alison and Mike are buying a house for $300,000 and have saved a deposit of $60,000. They want a ‘set and forget’ home loan that has a good interest rate and is easy to manage.

The Solution:

RAMS Basic Home Loan suits Alison and Mike’s requirements for a home loan, plus it has no account keeping fee. They have access to additional facilities when they need them, like making extra repayments and redraw.

                                                                                                                                 "RAMS can, so you can"

Meet with a RAMS home loans specialist today. We're available 7 days a week and if it suits you better, we'll happily come to you.

Fees, conditions and limitations apply. Subject to RAMS normal lending criteria. The product conditions set out in this document apply to loans available through RAMS Home Loan Centres. 1Funds 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. 210 year IO option available for investment purposes only.