Looking for a 100% home loan?
RAMS Home Loans can help
With RAMS Fast Track not only can you borrow the full purchase price1 (or valuation if lower) with no need to save for a deposit, but you can also save thousands in lender's mortgage insurance costs2.
Make an appointment today to find out how you can save.
There's plenty of RAMS home loan options available to you. Check out our list of great loan products below or make an appointment to talk to a RAMS Home Loan Consultant to find out how we can help.
RAMS Low Deposit Home Loans Range: |
||
| RAMS Fast
Track |
No need to save a deposit. You can borrow up to the full purchase price (or valuation if lower). If a guarantor1 is willing to provide security under a limited guarantee. |
| 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 chequebook). |
| 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 chequebook). |
| RAMS Fixed Rate
Pro Pack
|
Peace of mind and repayment certainty with a fixed rate for larger loans. Why don’t you speak to one of our RAMS Home Loan Specialists. |
Local Knowledge. Expert Advice.
You’ll find RAMS home loan centres throughout Australia, so you can benefit from service at a local level. You deal with people who have first-hand knowledge of your area, as well as extensive home loan experience and expertise. And you’ll enjoy the highest standards of customer service throughout the life of your loan because we’re always here to help!
Complete this form and select the type of appointment you are interested in. A RAMS Home Loans Specialist will contact you within 8 business hours.
 |
We're available to help
you 7 days a week
and if it suits you better,
we'll happily come to you.
Make an appointment now!
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. 1A guarantor (an immediate family member which is acceptable to RAMS) simply needs to provide RAMS with a limited guarantee supported by either a first registered mortgage (First Registered Mortgagee (Westpac Banking Group) must provide consent on or before settlement in order for settlement to occur) or in a limited number of circumstances a second mortgage (Second mortgage will only be accepted if the first mortgage is held with the Westpac Banking Group) over their property, for the amount you need to borrow over 80% (LVR of 120% of purchase price is only applicable where the loan purpose includes both consolidation of other debts and renovations or home improvements) of the property value, and you won’t be charged a cent in lender’s mortgage insurance. 2Funds required for renovations/ home improvements must be evidenced by a fixed contract. For loans up to $1.5 million. Fees, conditions and limitations apply. Subject to RAMS normal lending criteria.
