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RAMS' lowest variable rate could help you take off.  

A RAMS Essential Home Loan gives you flexibility and takes away the complexity. You can make unlimited extra repayments with no fees and get mortgage free faster. Plus you’ll get a competitive rate.

Why chooose an Essential Home Loan?

Unrestricted repayments

Repay your way. Making unlimited additional repayments for no extra fees means you can pay off your loan faster and save on interest repayments.

Redraw facility

If you need a little money back to cover something unexpected, you can redraw your extra repayments to cover it. (Fees apply).

Low deposit

If you are an owner occupier living in your new home, or you’re building it, you could borrow up to 95%.

When it comes to simple, our variable rate Essential Home Loan fits the bill. But simple doesn’t mean inflexible. You’ll get everything you need, including:

  • Personal support and expertise from our home loan specialists who’ll help every step of the way.
  • Flexible features, like a construction option, so you can build or renovate and make interest only repayments during your build or renovation if you want to.
  • Or you can split your loan, some on a variable interest rate, some on a fixed rate, so whichever way the market moves, you’re covered.

All this, and you could have the ability to make extra repayments of any loan amount with no fees, the option to shorten your loan term, which may mean you could pay off your mortgage quicker than on a standard home loan.

You can also redraw your extra repayments if something unexpected comes up, so your'e never unprepared.

RAMS Essential Home Loan Variable interest rate p.a. Comparison rate* p.a.
New Owner Occupier
(Principal & Interest) Loans
LVR less than 70%
Includes 1.74% p.a. discount off our
Essential Home Loan Variable Rate
6.09% 6.16%

*The comparison rate is based on a loan of $150,000 for a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

As well as a great rate, you can also take advantage of our local RAMS Home Loan Specialists’ years of experience. One less thing for you to worry about.

Speak to a home loan specialist

A RAMS Home Loan Specialist makes a difference

The right home loan for you

A RAMS home loan specialist will find the right home loan to suit you and your stage of life.

Smooth process

Our home loan specialists take the ‘hard’ out of the process for you. They’ll come to you, at a time and place that suits you and sort out approval in days, not weeks, wherever possible.

Personal service

You’ll have a dedicated home loan specialist from start to finish, so you’ll only have to tell your story once.  You’ll also have their mobile number, so whatever arises, you can get things sorted.

Community engagement

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

More information:

Credit criteria, fees and charges apply. Interest rates are subject to change. RAMS home loans are not available for foreign borrowers residing outside Australia.

LVR less than 70%.  LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the credit provider valuation of your property offered to secure your loan expressed as a percentage. Home loan rates for new loans are set based on the initial LVR and don’t change if there are changes to the LVR during the life of the loan.