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Borrow up to 95% of the property value*

Get into your home sooner

At RAMS, we want to help you get into your own home sooner. That’s why we’ll lend approved customers up to 95% of the purchase price*.

As well as a great home loan deal, you’ll also benefit from the local market knowledge and expertise of your own dedicated RAMS Home Loan Specialist.

Your RAMS Home Loan Specialist will not only understand your individual situation, but always be contactable via their mobile (rather than a call centre), and advise you step by step the whole way.

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

 *Up to 95% LVR on purchase price or valuation (if lower) and only available for full doc owner occupier borrowers making principal and interest repayments. If LVR > 85%, evidence of 5% genuine savings required.  Funds to cover transaction and establishment costs and lenders's mortgage insurance required.