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Home loans are what we do.

If there's a way to get you into a new home, we'll find it.

What can we help you with today?

RAMS Home Loan Offers

Borrow up to 95% and shear up to $5,000 off your LMI


Borrow up to 95%*  and you could shear down your LMI to $1.  Save up to $30,000 for eligible first time buyers.  T&Cs apply

Get $4,000 when you switch your home loan to us

Refinance with RAMS

You could enjoy a $3,000 rebate1 when you refinance your home loan.

RAMS have a range of offers and promotions that could help you into your home sooner

All offers

RAMS has a range of home loan offers and promotions that could help you into your home sooner.

Our home loan options

All home loans

A comprehensive overview of all our available home loans.

Compare home loans

Select up to three home loans to compare features and benefits.

Existing customers

Home loan options, blogs and videos for our existing customers.

Find your local RAMS Home Loan Centre

Home loan calculators

Whether buying a new home, refinancing an existing home loan or investing in property, RAMS mortgage calculators can give you an estimate of what your repayments could be. These estimates are indicative only and actual costs and the amount you could borrow may vary based on a number of factors including loan purpose. Before acting on the results of this calculator you should seek professional advice and contact your local RAMS Home Loan Specialist who can help guide you through this process.

How much could I borrow calculator

Why choose RAMS?

At RAMS, we focus primarily on home loans. We understand the challenges that come with buying a home better than anyone – and more importantly, how to navigate them successfully.

Our RAMS Home Loan Specialists pride themselves on supporting you through every step of the process. This means listening to your individual needs, working around your schedule and delivering all the local market knowledge, professional advice and moral support you need to get you into your new home sooner.

Discover the difference a true home loan specialist can make.  Find out more.

Knowledge Centre - latest blogs and videos

The state where investors are flocking

The number of investor loans has risen over recent months; however, one state is attracting more investors than others.

Read more
Where more homes are selling at a discount

Despite higher interest rates, the share of homes being sold below the asking price has fallen over 2023, signalling a strengthening of market conditions.

Read more
The suburbs where home prices have jumped the most this year

Following a year of interest rate rises and property price falls, 2023 has been a year of recovery with many suburbs clawing back last year's losses and some even hitting new highs.

Read more

Awards and community support

RAMS proud winner of Best Self-Employed Lender for four years running in the 2017, 2018, 2019 and 2020 Australian Lending Awards.

RAMS proudly supports The Kids' Cancer Project

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