• Owner Occupier Home Loans

    • 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 $375. There will only be one Annual Service Fee charged per Value

      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 fixed rate is available.

    • Investor Home Loans

    • 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 $375. There will only be one Annual Service Fee charged per Value

      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 fixed rate is available.

      5 Interest rate discounts available for Interest Only In Advance payments. Current discounts are: 0.10% p.a. off 1, 2, 3, 4 and 5 years fixed interest rates while interest is paid annually in advance.