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

A choice of standard home loans with competitive rates

RAMS has a range of standard home loans to suit all needs, whether you're buying your first home, refinancing or purchasing an investment property. Owner-occupiers can borrow up to 95%1 of the purchase price, or valuation if lower (excl. Line of Credit loans) and all our standard loans allow redraw access to overpayments.

Product Key Benefits:

  • Borrow up to 95%1 of the purchase price or valuation if lower(excl. Line of Credit loans)
  • Options for up to 10 years2 interest only repayments
  • Redraw access to overpayments
  • Transactional home loan options (choose from an all-in-one account or an evergreen line of credit loan)
  • Honeymoon rates option

RAMS Standard Home Loans Range:

  • RAMS Basic
    A low rate, no fuss home loan, with no account keeping fee.
  • RAMS Easy Start
    Enjoy a 3 year home loan honeymoon and a low ongoing rate.
  • RAMS IO Maximiser
    A low rate home loan designed for investors, with up to 10 years3 interest only repayments.
  • RAMS Standard Variable
    Enjoy one of the lowest standard variable rates curently available.
  • RAMS SmartWay
    An all-in-one home loan with money management facilities such as ATM, EFTPOS and chequebook access.
  • RAMS Line of Credit
    Easy access (ATM, EFTPOS and chequebook) to home equity with an evergreen line of credit loan.

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. 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. 210 year interest only option available for investment purposes only.