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RAMS Home Loan Interest Rates

See all home loan interest rates in one place

Credit criteria, fees and charges apply to the various products listed.  Rates shown are for new customers only. Minimum loan sizes apply. All interest rates are variable unless otherwise indicated.

1 The Comparison Rate for each of the home loan products contained on this page is based on a loan of $150,000 over 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.

2 Value Advantage Package is available on eligible RAMS Home Loans and is subject to an Annual Service Fee of $149. There will only be one Annual Service Fee charged per Value Advantage Package.

3  "Total Customer Borrowings" is the total credit limit of all existing and new eligible RAMS loans under the Value Advantage Package.

4 Fixed interest rate may vary between application and drawdown unless the fixed rate lock-in option is selected and the Rate Lock fee (0.15% of the fixed loan amount) is paid. Lock in is applicable for up to 90 days from the date the application is received by RAMS origination. At the end of the fixed rate period the interest rate will convert to the variable interest rate applicable to the particular home loan.  If construction option is selected, only 1 year or 2 year fixed rate is available.

*Essential Home Loan Promotional Discount: This offer is only available for new Essential Home Loan applications received from 5 July 2023. Discount applies to our Essential Home Loan offer for the life of the loan. This offer may be varied or withdrawn at any time. Interest rates subject to change. 

Value Advantage Package Discount:
Discount applies to our Full Feature Home Loan offer 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 This offer may be varied or withdrawn at any time.

Essential Home Loan Promotional Discount: 
Discount applies to our Essential Home Loan offer 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.