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Home loan offers

If there's a way to get you into a new home, we'll find it.  With one of our offers, we could help you into your first or next home sooner.

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 $20,000 for eligible first time buyers.  T&Cs apply

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

Refi rebate

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

Essential home loan with LVR less than 70%

Essential Home Loan

We understand that things can get overwhelming on your home loan journey, which is why we’ve created the RAMS Essential Home Loan.

Get a discounted rate, offset and redaw. Variable rate with LVR less than 70%

Full Feature and VAP

Whether you’re buying your first home, next home or refinancing, RAMS Full Feature Home Loan and Value Advantage Package is here to offer great value.

Lock in your repayments with a 2 year Fixed Rate Classic Home Loan

Lock in our low fixed rate

If you’re looking for a great rate, look no further with our low 1, 2, 3 and 4 Year Fixed Rate Classic Home Loan, a basic loan without all the extras.

LMI waived for eligible nurses and midwives

Registered nurses and midwives provide an incredible service to our communities, so we’re waiving Lenders Mortgage Insurance (LMI) for those with a 10% deposit.

Talk to us about financing your new home build


If you’re looking to build or renovate your dream home, RAMS is here to help. Lay the foundations for your dream home with RAMS.

Take out a new RAMS home loan and you could enjoy a $1,000 New Purchase Rebate

New purchase rebate

Your home loan journey could get a head start with a $1,000 New Purchase Rebate.