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Get $3,000 when you switch your home loan to us1

A great deal that could save you thousands when you refinance with RAMS.

How do I get the $3,000 rebate?

Refinance with an eligible RAMs home loan

Offer is available on our Essential Home Loan, Full Feature and Fixed rate home loan products (excludes Line of Credit).

Your loan needs to be $250k or more

Whether you’re an owner occupier or an investor, if your loan is for $250k or more, you’re sorted.

Get in quick to secure your rebate

Effective 1 September 2023, must settle within 120 days. We’ll deposit the rebate into your loan account within 60 days of settlement.

Refinancing is a great opportunity to review your loan terms and repayments, and you could find a better deal that may reduce repayments or potentially shorten the length of time to pay off your loan.

We not only offer competitive rates and flexible loans that could save you time and money, but you could also receive a $3,000 rebate1 when you move your home loan to us.

Talk to one of our RAMS Home Loan Specialists today and find out just how green the grass really is with us, and check out some of our home loan offers that could apply when you refinance with RAMS.

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.

1Effective 1 September 2023. Must settle within  120 days. Min loan amount 250K. Excl owner occupier interest only. Offer can be varied or withdrawn at anytime. T&C’s and exclusions apply.  Offer available on the Essential Home Loan, Full Feature and Fixed rate home loan products (excludes Line of Credit) Owner Occupier with Principal and Interest repayments and Investment Loans. $250k min loan per property refinanced. Only 1 rebate per settled application with the predominant purpose is refinance will be paid regardless of the number of loans involved. This offer is not available in conjunction with the New Purchase Buyer $1,000 Rebate. Excludes Line of Credit Loans, switches and refinances of home loans within the Westpac Group which include St. George, Westpac, Bank of Melbourne, BankSA. Offer not available for Owner Occupier Interest Only loans or residential lending originated under family or company trusts. Not available to company and trust borrowers. The offer is limited to one rebate per eligible application. Split loans are counted as one settled home loan regardless of the number of splits. Rebate will be automatically deposited into the home loan account within 60 days after settlement. If the home loan has a fixed interest rate, the rebate will count towards the prepayment threshold. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters.