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Limited Deposit Home Loans

Why wait to buy your first home?

With RAMS flexible home loans options, you can get started on the property ladder sooner. You simply need to be able to provide the deposit, afford the repayments and have funds to cover transaction costs such as RAMS fees, legal fees and any statutory charges such as stamp duty. It’s the faster way to get into your first home.

Product Key Benefits:

  • Borrow up to 95%1 of the purchase price or valuation if lower (excl. Line of Credit loans)
  • No need to save a deposit
  • Available across the full range of RAMS full doc loans (except RAMS Line of Credit loans)

RAMS Limited Deposit Home Loans Range:

  • RAMS Fast Track
    By having a guarantor for your loan, you can borrow up to the full purchase price (or valuation if lower).
  • RAMS Basic
    The no fuss, low rate home loan with no account keeping fee.
  • RAMS Easy Start
    Enjoy a 3 year home loan honeymoon with a low ongoing rate.
  • RAMS IO Maximiser
    A low rate home loan with up to 10 years interest only repayments.
  • RAMS SmartWay
    The “smarter” all-in-one home loan, with 15 free transactions across all access methods every month (ATM, EFTPOS and chequbook).
  • RAMS Fixed Rate
    Protect against rising interest rates with a fixed rate loan.
  • RAMS SmartWay Pro Pack
    An all-in-one home loan with preferential rates for larger loans and 15 free transactions across all access methods every month (ATM, EFTPOS and chequbook).
  • RAMS Fixed Rate Pro Pack
    Peace of mind and repayment certainty with a fixed rate for larger loans.

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. 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.