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RAMS could give you a Standard Variable Rate that's lower than the banks - Ask us!
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Transactional / All-in-one

Making every cent count towards your home loan

If you want money management facilities and to pay your salary directly into your home loan account, a RAMS All in one home loan is right for you. Every day you have extra funds in your account, you’ll be charged less interest. Plus you have access to your extra funds through ATMs, EFTPOS and a chequebook.

Product Key Benefits:

  • ATM, EFTPOS and chequebook access to overpayments
  • Borrow up to 95%1 of the purchase price, or valuation if lower (excl. Line of Credit loans). Full doc only 
  • Up to 5 years interest only repayment options, or evergreen Line of Credit options
  • Pro Pack options for larger loans
  • Low Doc options for the self-employed
  • Choice of deposit methods; Direct Debit, Salary Credit or Bank@Post

RAMS All-in-one Home Loans Range:

  • RAMS SmartWay
    An all-in-one home loan with money management facilities such as ATM, EFTPOS and chequebook access.
  • RAMS SmartWay Pro Pack
    Preferential rates for larger loans, with the flexibility and access options of an all-in-one home loan.
  • RAMS Line of Credit
    Easy access (ATM, EFTPOS and chequebook) to home equity with an evergreen line of credit loan.
  • RAMS Line of Credit Pro Pack
    All the benefits of an evergreen line of credit loan, plus preferential rates for larger loans.

And for the Self-Employed:

  • RAMS SmartWay Low Doc
    A low paperwork all-in-one home loan with money management facilities such as ATM, EFTPOS and chequebook access.
  • RAMS Low Doc 500 Plus
    A low paperwork home loan with transactional access and a preferential rate for loans of $500,000 and more.
  • RAMS Line of Credit Low Doc
    Easy access (ATM, EFTPOS and chequebook) to home equity with a low paperwork, evergreen line of credit loan. Ideal for irregular cash flow.
  • RAMS SE Pro Pack
    Discounted 2 variable rates, transactional access and low paperwork for larger loans.
  • RAMS Line of Credit SE Pro Pack
    All the benefits of a line of a low paperwork, evergreen line of credit loan plus preferential home loan rates for larger loans. Ideal for irregular cashflow.
  • RAMS SE Pro Pack 80
    A discounted 3 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. 1Evidence of transaction costs required and 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. 2 Discounted off the RAMS Low Doc Variable Rate. 3 Discounted off the RAMS Smartway Variable Rate.