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Lock in certainty, with a RAMS Fixed Rate Classic Home Loan

Lock in your rate, lock in your repayments. Welcome to our Fixed Rate Classic Home Loan, and hello to knowing exactly what your repayments are each month.

Why choose a Fixed Rate Classic Home Loan?

Rates and repayments locked in

Your interest rate and repayment amounts are locked in for the length of term you choose.

You choose the duration

From 1-5, or 10 years, you have six options. Pick the term that works for you.

Best of both worlds

Split your loan between fixed and variable rate to win either way if interest rates move.

Whether you’re purchasing your first home, next home or refinancing an existing property, we can help provide you with some certainty.
Our no frills Fixed Rate Classic Home Loan offers fixed repayments for the fixed loan term, so you’ll know exactly how much you’ll be repaying, every payment.

Fix part or all of your loan for 1, 2, 3, 4, 5 or 10 years. No guesswork, no variable amounts depending on how interest rates are moving.
Or split your home loan between fixed and variable, so you could have both certainty and flexibility.


RAMS Fixed Rate Classic Home Loan rates

Loan Fixed interest rate Comparison rate*
1 Year Fixed Rate (Owner Occupier,
Principal and Interest)
6.69% p.a. 6.59% p.a.
2 Year Fixed Rate (Owner Occupier,
Principal and Interest)
6.59% p.a. 6.60% p.a.
3 Year Fixed Rate (Owner Occupier, 
Principal and Interest)
6.69% p.a. 6.64% p.a.
4 Year Fixed Rate (Owner Occupier,
Principal and Interest)
6.69% p.a. 6.67% p.a.

A fixed rate lock in fee of 0.15% of the fixed amount may apply.

*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’ll get the assurance of our local RAMS Home Loan Specialists’ years of experience, one less thing for you to have to worry about.

Contact RAMS today.

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:

Credit criteria, fees and charges apply. These rates are current as at 28 November 2023 and are available to new customers and existing variable rate customers looking to fix all or part of their loans. We will apply the fixed rate that is available at the loan settlement date or the date the fixed rate period commences, unless the customer locks a fixed rate in on the loan using our Fixed Rate Lock-in feature (conditions apply). The Fixed Rate Lock-in fee is 0.15% of the fixed loan amount. At the end of the fixed rate period the interest rate will convert to the applicable variable home loan rate. This offer may be varied or withdrawn at any time.