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RAMS could give you a Standard Variable Rate that's lower than the banks - Ask us!
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Home Loan Interest Rates and Fees

The RAMS Standard Variable Rate Home Loan has a lower interest rate compared to the four major banks. Don't believe us? Check this out!  

RAMS
Standard Variable Home Loan

Standard Variable Rate
7.23% p.a.

Comparison Rate*
7.30% p.a.

Banks

 Standard Variable Rate1 Comparison Rate*

ANZ Standard Variable Rate Home Loan
Commonwealth Standard Variable Rate
NAB Standard Variable Rate Home Loan
Westpac Rocket Repay Home Loan

7.41% p.a.
7.36% p.a.
7.24% p.a.
7.51% p.a.

7.52% p.a.
7.49% p.a.
7.37% p.a.
7.64% p.a.



1Comparison to competitor published rates are as displayed on the websites of the four largest Australian banks as at 10 May 2010.

A Better Way for your home loan

RAMS recognises that the interest rate on your home loan is a major component, however it's not the only feature you should take into account when deciding on the product that suits you best.

RAMS provides customers with "A Better Way" to achieve their goals via home ownership. RAMS full range of competitive products and services offers flexibility and choice backed up by personal service and fast approval.

View RAMS Lending Rates at a Glance.

What is the comparison rate?

A comparison rate is designed to indicate the "true" cost of a loan. It takes into account some of the costs associated with setting up a loan including the interest rate, the loan establishment fees and any other up-front or ongoing fees. The comparison rate doesn't include government fees and charges or any fees that are contingent or that are not ascertainable at the time of calculation.

Comparison rates:

Legislation was introduced in 2003 that requires lenders to display the comparison rate in all credit advertisements where an interest rate is mentioned. The advertised comparison rate will be based on the model loan amount and loan term.

RAMS Fee Summary:

View RAMS' Fee Summary.

Fees, conditions, limitations and lending criteria apply. 1All rates are correct at 10 May 2010. *The comparison rate is based on a loan size of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.