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We’ve weeded out the rest to bring you our best.

Add value and save more with RAMS Full Feature Home Loan and Value Advantage Package.

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.

The Value Advantage Package costs $149 p.a. which gives you access to;

  • Discounted variable rate of 6.19% p.a. (6.33% comparison rate)* with LVR less than 70%. Rate includes a 2.27% discount. Owner Occupier, Principal & Interest repayments.
  • Waived application fee (saving you $595)
  • Waived settlement fee (saving you $285)

That’s a total saving of $880!


All that, plus:

Offset account

Helping you put your savings to work to reduce the amount of interest you pay, which could reduce your monthly repayments and help you pay off your loan sooner.

Redraw facility

Allowing you to access extra funds you’ve put into your home loan as you need them. 

Sounds like great value?  Fill out the form below and your local RAMS Home Loan Specialist will be in touch to further discuss with you.

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.

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.

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:

*Offer shown is on a RAMS Full Feature Variable, Owner Occupier, Principal and Interest loan, LVR less than 70%. Min spend $150k. Value Advantage Package is an annual fee of $149 and applies a discount of 2.27% for the life of the loan. The Discount is determined by the initial repayment type you select. This means that if you commence your loan on Interest Only repayments and then revert to Principal & Interest repayments, or switch between Principal & Interest and Interest Only repayments during the course of your loan, you may receive a different (including potentially a smaller) discount than if you had commenced your loan on a different repayment type. This offer may be varied or withdrawn at any time.