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

Home loans tailored for property investors

Whether you’re a first time property investor or a professional, RAMS investment home loans are designed to help you achieve your financial goals.

Low rate and up to 10 year interest only repayment options help you minimise your outgoings. Plus with RAMS, you can borrow more than with some other lenders because 80% of rental income and negative gearing benefits are included in RAMS serviceability calculations.

Product Key Benefits:

  • Borrow up to 95%1 of the purchase price, or valuation if lower (excl. Line of Credit loans). Alternatively, borrow up to 110% if secured against additional property.
  • Borrow more than with some other lenders (80% of rental income and negative gearing benefits included in RAMS serviceability calculations).
  • Options for up to 10 years interest only repayments
  • Line of Credit options
  • Low Doc and full doc options
  • Fixed Rate options

RAMS Investment Home Loans Range Includes:

  • RAMS IO Maximiser
    A  low variable rate home loan with up to 10 years interest only repayments.
  • RAMS Basic
    A no fuss home loan with no account keeping fee and up to 10 years interest only repayments.
  • RAMS Line of Credit
    Manage your property finances with one, evergreen line of credit loan. There's no need for regular repayments if you're below your credit limit.

And for the self-employed:

  • RAMS SE Pro Pack
    A discounted 2 rate for the life of the loan and up to 5 years interest only repayments.
  • RAMS Line of Credit Low Doc
    All the benefits of a regular RAMS Line of Credit Home Loan, plus simplified paperwork. There’s no need for regular repayments if you’re below your credit limit.
  • RAMS SE Pro Pack 80
    A discounted3 rate home loan for self-employed clients with total RAMS borrowings of $100,000 or more who wish to borrow up to 80%        

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. 2Discounted off the RAMS Low Doc Variable Rate. 3Discounted off the RAMS Smartway Variable Rate.