• 7 steps to home ownership

    We're here to help you to find your way through the maze of information that's out there, to give you the lowdown on everything from house-hunting to home loans, budget planning, making an offer and organising your move

    • 1

      Deciding to buy

      Buying a property, whether it is an apartment or a house, is pretty daunting - after all, it's probably the biggest investment you'll make in your life. Get you prepared with valuable information on financial and legal matters.

    • 2

      Finding the right loan

      Get an overview of the different types of loans so you can see the whole picture. We'll also recommend you some questions to ask your home loan consultant and prepare you for the questions they might ask you

    • 3

      The real cost of buying

      There are substantial expenses associated with buying a home. Get some tips on how to make a budget plan and how to draw up a comprehensive list of the costs to avoid any unpleasant surprises.

    • 4

      Searching for a new home

      First home buyers have many choices to make when searching for their home. We've got tips to help you identify what you are looking for in a home and what factors influence it's appreciation and might affect its resale value.

    • 5

      Making an offer

      So you've found your dream house and it seems to be in your price range. Get some tips on getting prepared to sort your finance and organise inspections and getting ready to make an offer or bid at auction.

    • 6

      The buying process

      Almost there - the vendor has accepted your offer. Until contracts are exchanged - you're in a danger period - either party can pull out! Get some details on exchanging contract, settlement and final inspection.

    • 7

      Moving in

      Congratulations - the place is yours! Now all you have to do is move in. Although moving house is often described as one of life's most stressful experiences, it doesn't have to be. We've got some tips for getting organised and start planning early.

  • Check out our range of home loans for first home buyers

  • Why Choose RAMS?

    • Great rates
    • Award winning
    • Leading Australian Non-Bank lender
    • Real choice and better value