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About RAMS

We offer a range of everyday home loan and deposit products.

Why choose RAMS?

Talk to one of RAMS' representatives about our award winning range of innovative and flexible products.

Financial hardship and disaster relief

We understand that anyone can experience financial problems. We encourage you to contact us to discuss your change in circumstances.

Customers in need of extra care

We know our customers may need support in different ways, at different times in their lives. Here is how we can help if you, or someone close to you, is in need of extra care.


Manage your home loan, savings and everyday accounts online with myRAMS.

Our history

RAMS is different. Since 1995, we’ve been helping Australians realise the ‘Great Australian Dream’ of home ownership by providing affordable, simple yet flexible home loans.

Banking code of practice

RAMS (as a member of the Westpac Group) is committed to upholding the Australian banking industry’s standards of practice and service contained in the Banking Code of Practice (the Code).

Open Banking

Easily and securely share your banking information with organisations that you trust.


We are bound by the Privacy Act 1988 (Cth) (‘Privacy Act’) and will protect your personal information in accordance with the Australian Privacy Principles.

Raymond A Ram

Raymond A Ram was born in Goulburn, NSW - to proud and loving parents Dolly (the original, not the clone!) and Reginald.

Translating and Interpreter services

The Translating and Interpreting Service (TIS National) can help if English is not your first language, and you require the services of an interpreter to speak with RAMS about your accounts.


The Westpac Group is committed to ensuring we uphold our responsibilities to customers and our regulators

Social media privacy

Our processing of your personal data (which includes collection, use, sharing, storage and other activities involving personal data) is regulated by certain laws. 

Terms of use

Your access to this website is subject to these terms and conditions, the RAMS Privacy Policy Statement, notices, disclaimers any other terms and conditions or other statements contained on this website.