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Applying for a home loan when you're self-employed?

Home loans are what we do.

Self-employed? RAMS understands. Here’s how we’ll help.

Experience and professionalism

We’ll work around your busy schedule, help you prep paperwork, and support you through the whole application process.

Personal support

A dedicated RAMS Home Loan Specialist will be your ‘go-to’ person from start to finish. You’ll even have their mobile number to make it easier to get things done.

Self-employed specialists1

Whether you’re a sole trader, a partnership or a small enterprise RAMS could help. We specialise in home loans for self-employed people.

The right home loan for you

A RAMS home loan specialist will learn about you, and your circumstances, and then tailor just the right loan to suit you and your stage of life.

We understand what it’s like to apply for a home loan when you’re self-employed, it can be a challenge. The good news is, we’ll help you every step of the way.

With RAMS you’ll have a dedicated home loan specialist who’ll work around your schedule, help you prep the right paperwork and support you throughout the whole application process. They’ll even be there to offer moral support if you need it!

Talk to one of our RAMS Home Loan Specialists today and find out how we can help you become a proud property owner. And check out our home loans offers; we could help find the right home loan for you.

Our home loans

Essential home loan with LVR less than 70%

Our Essential Home Loan

With flexibility to redraw or make extra repayments this is simplicity at a competitive rate! Welcome to our no frills variable rate Essential Home Loan.

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

Fixed Rate Classic Home Loan

Lock in certainty. Set your repayment amount for 1-5 or 10 years, with up to $30k in extra repayments with no break costs and the ability to redraw.

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

Compare RAMS Home Loans

Want to see all your options? Check out the full suite of RAMS home loans.

Speak to a home loan specialist

Home loan calculators

Use our handy home loan calculators below to work out what you could afford to borrow, and what your repayments might be.

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. 

RAMS home loans are not available for foreign borrowers residing outside Australia. 

1The financials you need to support your application are a signed Borrower Certificate of Income Declaration form together with a satisfactory Accountant Declaration for amounts up to $1,000,000 and (if refinancing) statements for the last six months of the loan(s) being refinanced.  If the amount is more than $1,000,000 or your cash out limit exceeds $100,000 or 10% equity in property, then 12 months of BAS are required.  If you manually lodge your BAS, evidence of payment to the ATO is also required.