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

Protect against rising interest rates

RAMS fixed rate home loans offer peace of mind and repayment certainty. 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 your fixed rate term; 1, 2, 3, 4, 5 or 10 years 
  • Borrow up to 95%1 of the purchase price (or valuation if lower). Full doc only 
  • Make extra repayments at anytime (up to $25,000 total during the fixed rate period)
  • Redraw access to overpayments
  • Interest Only In Advance Option (conditions apply, for more details click here)
  • Pro Pack options with preferential rates, for larger loans
  • Low Doc options for the self-employed

RAMS Fixed Rate Home Loans Range:

  • RAMS Fixed Rate
    Providing peace of mind and repayment certainty. Fix your rate for 1, 2, 3, 4, 5 or 10 years.
  • RAMS Fixed Rate Pro Pack
    The combined benefits of a fixed rate home loan and a Pro Pack. Fix your rate for 1, 2, 3, 4, 5 or 10 years.

And for the self-employed:

  • RAMS Fixed Rate Low Doc
    Low paperwork and repayment certainty. Fix your rate for 1, 2, 3, 4, 5 or 10 years.
  • RAMS Fixed Rate SE Pro Pack
    The combined benefits of a low paperwork, fixed rate home loan and a Pro Pack. Fix your rate for 1, 2, 3, 4, 5 or 10 years.


Let us help you find the right home loan for your needs. We’re available 7 days a week and if it suits you better, we’ll happily come to you. Meet with a RAMS Home Loans Specialist!



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. Different product conditions may apply to loans available through RAMS accredited brokers.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.