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

Making it easier for the self-employed

If you’re self-employed, RAMS Low Doc home loans are designed to save you time and money. You simply need to provide a signed Borrower’s Declaration form, stating your income together with 12 months of BAS* statements or an accountant’s letter or (if refinancing) statements for the last six months of the loan(s) being refinanced.

Plus there’s a wide range of self-employed home loan options to choose from, including RAMS SE Pro Pack Home Loan.


Product Key Benefits:

  • Simplified paperwork
  • Borrow up to 80% of the purchase price
  • Variable rate and fixed rate options
  • All-in-one home loan options with 15 to 25 free transactions every month across all access methods (ATM 3, EFTPOS and chequebook)
  • Evergreen, line of credit options with access to a pre-determined credit limit and 10 free transactions every month across all access methods (ATM, EFTPOS and chequebook)
  • Redraw access to overpayments

RAMS Low Doc Home Loans Range:

  • RAMS Fixed Rate Low Doc
    A fixed rate home loan offering peace of mind and repayment certainty. Fix your rate for 1, 2, 3, 4, 5 or 10 years.
  • RAMS Low Doc 500 Plus
    A preferential rate for loans of $500,000 or more.
  • RAMS SmartWay Low Doc
    A fully featured, all in one home loan with 15 free transactions every month across all access methods (ATM, EFTPOS and chequebook).
  • RAMS Line of Credit Low Doc
    An evergreen line of credit loan to access home equity. There’s no need to make regular repayments if you’re below your credit limit.
  • RAMS SE Pro Pack
    Discounted1 rates for the life of the loan for customers with total RAMS borrowings of $250,000 or more.
  • RAMS SE Pro Pack 80
    A discounted2 rate home loan for self-employed clients with total RAMS borrowings of $100,000 or more who wish to borrow up to 80%.
  • RAMS Line of Credit SE Pro Pack
    An evergreen line of credit loan at preferential home loan rates for customers with total RAMS borrowings of $250,000 or more. Ideal for irregular cashflow.
  • RAMS Fixed Rate SE Pro Pack
    A fixed rate home loan for customers with total RAMS borrowing of $250,000 or more. 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 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. Different product conditions may apply to loans available through RAMS accredited brokers. *If you manually lodge your BAS account statements a proof of payment to the ATO may also be required. 1Discounted off the RAMS Low Doc Variable Rate. 2 Discounted off the Smartway Varialbe Rate. 3 Free ATM Transactions relate to Westpac, St George and Bank SA branded ATM's only.  Other Institutions may charge a fee for use of their ATMs. Payable in addition to fee for transactions over free threshold.