Take out a RAMS Value Advantage Package, and save $$$ each year with a discount on your home loan interest rate. More details

Obtaining a Deposit Bond through RAMS could help you secure your dream home by providing you with an alternative to finding a cash deposit before settlement. A Deposit Bond acts as a guarantee to the vendor, allowing the purchaser to pay the deposit amount (together with the balance of the purchase price) on the day of settlement (rather than funding a deposit up front/on exchange). In addition, a deposit bond could also save you the costs of obtaining bridging finance in order to pay your deposit. More details

The support of family is priceless and when they’re happy to act as guarantors on your property purchase, they could help you buy your home quicker than you thought and save you thousands in mortgage insurance. More details

For customers who intend to purchase land and build a new home, RAMS has developed a feature called 'RAMS Construction Option' which can be adopted on many RAMS full and low doc home loans. More details

Life is full of challenges. Some are welcome and others are more of a surprise. Either way, you may need extra support to get through any such challenging times.

RAMS Lifestyle Option allows you to defer repayments on your loan for up to 6 months – twice during the life of the loan. It’s our way of helping out. Conditions and fees apply so talk to a RAMS Home Loan Specialist to see how we can help.

Investors need flexible options to make tax-effective decisions. RAMS Interest Only In Advance Option allows property investors with fixed rate loan to prepay 12 months interest and receive a discount off the fixed interest rate.

The Interest Only In Advance Option is available to property investors with a RAMS fixed rate home loan term of up to 5 years, and where interest-only repayments have been chosen.

RAMS Bridging Option could be just what you need to assist with the purchase of a new property whilst you’re in the process of selling an existing property. It eases the strain of purchasing your new property by bridging the finance gap whilst you wait to receive proceeds from the sale of your existing property. More details