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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 Fixed Rate

Protect against rising interest rates

If you’re looking for peace of mind and repayment certainty, a RAMS Fixed Rate Home Loan is for you. So you can plan your budget safe in the knowledge that whatever happens in the financial markets, your rate, and your minimum home loan repayments, will not change throughout your chosen fixed rate period.

Product Key Benefits:

  • Choose how long you fix your rate; 1, 2, 3, 4, 5 or 10 years.
  • Borrow up to 95%1 of the purchase price (or valuation if lower)
  • Up to 10 years interest only repayments2
  • Extra repayments allowed, up to a total of $25,000 during the fixed rate period
  • Interest Only In Advance Option. Conditions apply, see more details
  • Redraw facility (minimum $1000)
  • RAMS Fast Track available 
  • Construction Option available

Scenario

The Problem:

Andrew and Grace want to borrow $240,000 to buy a unit priced at $260,000. They are worried about future interest rate rises and would like to fix their home loan interest rate. Andrew earns regular bonuses, so they also want the option to be able to make extra repayments to reduce their loan balance at any time.

The Solution:

Andrew and Grace decided on a RAMS Fixed Rate Home Loan, with a fixed interest rate for a term of 5 years. This gave them the peace of mind they were looking for; and still gave them the option of making extra repayments (up to a total of $15,000) during 5 year fixed rate period.

                                                                                                                                 "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, limitations and lending criteria apply. New loans only.  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. If selected on a RAMS Fixed Rate loan, the fixed rate period must also equal 10 years.