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

A choice of discounted home loans, for loans of $150,000 or more

If you have total RAMS borrowings of $150,000 or more, a RAMS Pro Pack home loan is designed for you.

You can choose from a range of discounted variable rate home loans or competitive fixed rate home loans. And there are Low Doc options for the self-employed too. Plus the more loans you have with RAMS, the more you benefit with lower account keeping fees on each loan!

Product Key Benefits:

  • Discounted variable rates, or competitive fixed rate options
  • Low Doc options for the self-employed
  • ATM, EFTPOS & chequebook access available with all RAMS variable rate Pro Packs (Full Doc and Low Doc)
  • Extra payments, no minimum (RAMS Fixed Rate Pro Pack and RAMS Fixed Rate SE Pro Pack, up to $25,000 total during the fixed rate period)
  • Redraw access to overpayments
  • Lower account keeping fees per loan, for multiple RAMS Pro Packs

RAMS Pro Pack Home Loans Range:

  • RAMS SmartWay Pro Pack
    The flexibility of an all-in-one home loan, plus preferential variable interest rates for the life of the loan.
  • RAMS Line of Credit Pro Pack
    Access your home equity with an evergreen line of credit loan and preferential variable interest rates. It’s a flexible alternative to high interest rate credit facilities.
  • RAMS Fixed Rate Pro Pack
    Peace of mind and repayment certainty for larger loans. Fix your rate for 1, 2, 3, 4, 5 or 10 years.

And for the self-employed:

  • RAMS SE Pro Pack
    Discounted1 variable rates that last for the life of the loan and low paperwork for the self-employed. 
  • RAMS Line of Credit SE Pro Pack
    A low paperwork, evergreen line of credit loan at preferential home loan rates. Ideal for irregular cashflow.
  • RAMS Fixed Rate SE Pro Pack
    A fixed rate home loan for peace of mind and repayment certainty, plus simplified paperwork. Fix your rate for 1, 2, 3, 4, 5 or 10 years.
  • 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%

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. 1 Discounted off the RAMS Low Doc Variable Rate. 2 Discounted off the RAMS SmartwayVariable Rate.