Buy your first home sooner

RAMS makes it easier to buy your first home sooner, with our flexible home loan products . You can borrow up to 95%1 of the purchase price (or valuation if lower). You need to make sure you can afford the repayments, have funds to cover the transaction costs such as RAMS fees, legal fees and any statutory charges such as stamp duty. We’ll even help you with your First Home Owner Grant application!

Your first home may be closer than you thought!

RAMS Fast Track option: Borrow the full purchase price and save thousands in mortgage insurance costs. A guarantor (an immediate family member2) needs to provide RAMS with a limited guarantee supported by either a first registered mortgage or in a limited number of circumstances a second mortgage3 over their property, for the amount you need to borrow over 80%4 of the property value.

Peace of mind & repayment certainty: Worried about interest rates? Choose a RAMS fixed rate home loan and fix your interest rate for 1, 2, 3, 4, 5 or 10 years.

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FREE First Home Buyer Guide RAMS Home Loans

Get a FREE copy of "Making the Move" when you meet with a RAMS Home Loan specialist.

Make an appointment today!

Fees, conditions and lending criteria apply. Making the Move is intended to be used as a guide and a point of reference only. The information in this document is current as at 15 October 2007 and may have changed since. It is not intended to constitute advice or to be relied upon by any person or party. Each person or party considering buying their first home should make their own inquiries and obtain their own advice in relation to that decision. No statement or other matter in this document gives any rights in favour of any customer, individual, entity or third party and may not be relied upon as a basis for any claim, proceeding, suit or other action. 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. 2First Registered Mortgagee (Westpac Banking Group) must provide consent on or before settlement in order for settlement to occur. 3Second mortgage will only be accepted if the first mortgage is held with the Westpac Banking Group. 4For loans up to $1.5 million.

The home loan specialists - RAMS Financial Group Pty Limited ABN 30 105 207 538. WA Broker Licence No: 4602.