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Your first home is a  big deal.

Home loans are what we do.

With a dedicated RAMS Home Loan Specialist by your side, you might be closer than you think…

There’s a lot to consider when you’re preparing to buy your first home. From getting your deposit ready, ensuring you can afford the repayments and upfront costs, which type of home loan might be best for you, to choosing where to buy. We get that it can be overwhelming! That’s why our team of local home loan specialists are to here to help you navigate your way into your first home.

Speak to your RAMS Home Loan Specialist about:

  • Our flexible deposit options
  • Using rental history1 to demonstrate ability to meet loan repayments
  • Family Guarantee2

Fill in the form below, and your local RAMS Home Loan Specialist will be in touch.

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.

 1Depending on the Loan to Valuation Ratio (LVR) of your application, you need to demonstrate either 6 or 12 months’ satisfactory rental history through receipts for private rentals or a letter from the licensed property manager / agent and your weekly rental payment must exceed 40% of your new weekly loan repayment.

 2The guarantor, who must be a parent, sibling, son or daughter of the borrower, is required to provide a mortgage over their property, and must obtain independent legal advice. The borrower must also provide a mortgage over the property they are purchasing. Funds to cover transaction costs may be required.