• You will find all of our calculators, product info and checklists in this section. Our latest blogs and videos are below, and you will discover many more in the Knowledge Centre.

  • Home loan calculators

    Whether buying a new home, refinancing an existing home loan or investing in property, RAMS mortgage calculators can give you an estimate of what your repayments could be, based on your home loan amount, your loan type and the interest rate you think you'll be paying.  Once you get an idea of your mortgage repayments from the calculator, together with the rest of your budget, you'll start to see whether you can realistically afford the home you want to buy.  Your local RAMS franchisee can also help guide you through this process.  View all of our calculators.

  • How much could I borrow?

    $
    $
    $
    $
    $

    You could borrow up to

    ${{data.loans[0].borrowingPower | number:0}}

    Assuming a {{ data.loans[0].loanPeriod.initial }} year term

    at an interest rate of {{ data.loans[0].interestRate.ongoing.percent }} % p.a.

    Call us on 13 RAMS, thats 13 7267 about your situation to find the best solution for you.

    How much could my repayments be?

    $
    years
    % p.a.
    years

    Based on the amount you want to borrow, an estimate of your minimum repayments is

    ${{ data.loans[0].calculators.initial.initialRepaymentByPeriodTotal | number:2}} a

    over {{ data.loans[0].loanPeriod.initial }} years

    Interest only repayments in the first {{ data.loans[0].loanPeriod.interestOnly }} years

    ${{ data.loans[0].calculators.initial.initialInterestOnlyRepaymentByPeriodTotal | number:2}} a

    and, principal and interest repayments for the remainder of the life of the loan

    ${{ data.loans[0].calculators.initial.initialRepaymentByPeriodTotal | number:2}} a

    Call us on 13 RAMS, thats 13 7267 about your situation to find the best solution for you.

    You would save

    You would pay an extra

    ${{data.loans[0].calculators.compare.saving.amount | number:2}}

    in interest over the life of the loan

    $ {{ data.loans[0].calculators.initial.initialInterestOnlyRepaymentByPeriodTotal | number:2}}

    $ {{ data.loans[0].calculators.initial.initialRepaymentByPeriodTotal | number:2}}

    Total payable

    ${{data.loans[0].calculators.initial.total.payable | number:2}}

    Interest - ${{data.loans[0].calculators.initial.total.interest | number:2}}

    Principal - ${{data.loans[0].calculators.initial.total.principle | number:2}}

    $ {{ data.loans[0].calculators.compare.comparisonInterestOnlyRepaymentByPeriodTotal | number:2}}

    $ {{ data.loans[0].calculators.compare.comparisonRepaymentByPeriodTotal | number:2}}

    Total payable

    ${{data.loans[0].calculators.compare.total.payable | number:2}}

    Interest - ${{data.loans[0].calculators.compare.total.interest | number:2}}

    Principal - ${{data.loans[0].calculators.compare.total.principle | number:2}}


    What are the upfront costs and ongoing?

    $
    $
    $

    You would need a deposit of ${{data.loans[0].calculators.upfrontCosts.depositRequired | number: 0}}

    Your estimated upfront costs would be

    ${{ data.loans[0].calculators.upfrontCosts.totalUpfrontCosts | number:0 }}

    Your estimated ongoing costs would be

    ${{ data.loans[0].calculators.ongoingCosts.totalOngoingCosts | number:0 }} per month

    Upfront costs

    Government fees

    $ {{ data.loans[0].calculators.upfrontCosts.government.mortgageRegistration | number : 0}}

    $ {{ data.loans[0].calculators.upfrontCosts.government.transfer | number : 0}}

    $ {{ data.loans[0].calculators.upfrontCosts.government.stampDuty | number : 0 }}

    $ {{ data.loans[0].calculators.upfrontCosts.government.mortgageDuty | number : 0}}

    Government grants

    $ {{ data.loans[0].calculators.upfrontCosts.government.firstHomeGrant | number : 0}}

    If you are building new home and the total value of land and building is up to $750,000 then you may be eligible for First Home Owner Grant. Please refer to Office of State Revenue website for further details.

    The First Home Owner grant is based on assumption that the total value of land and building is less than or equal to $750,000.

    RAMS fees

    $ {{ data.loans[0].calculators.upfrontCosts.bank.settlement | number : 0}}

    Lender's Mortgage Insurance

    $ {{ data.loans[0].calculators.upfrontCosts.lmi| number : 0}}

    Other upfront costs to consider

    $ {{ (data.loans[0].calculators.upfrontCosts.movingFee.value != '') ? (data.loans[0].calculators.upfrontCosts.movingFee.value| number: 0) : '        ' }}

    $ {{ (data.loans[0].calculators.upfrontCosts.pestInspection.value != '') ? (data.loans[0].calculators.upfrontCosts.pestInspection.value | number: 0) : '        ' }}

    $ {{ (data.loans[0].calculators.upfrontCosts.conveyancingFee.value != '') ? (data.loans[0].calculators.upfrontCosts.conveyancingFee.value | number: 0) : '        '}}

    Ongoing costs

    Repayments

    $ {{ data.loans[0].calculators.ongoingCosts.repayments | number : 0}}/month

    Assuming a {{ data.loans[0].loanPeriod.initial }} year loan term on RAMS Essential Home Loan with a variable interest rate of {{ (data.loans[0].calculators.upfrontCosts.residencyType == 0) ? data.loans[0].interestRate.ongoing.percent : data.loans[0].interestRate.ongoingInvestor.percent }}% p.a., comparison rate* of {{ (data.loans[0].calculators.upfrontCosts.residencyType == 0) ? data.loans[0].interestRate.comparison.percent : data.loans[0].interestRate.comparisonInvestor.percent }}% p.a. and $0 account keeping fee.

    RAMS fees

    Some other ongoing costs to consider

    $ {{ (data.loans[0].calculators.ongoingCosts.strata.value != '') ? (data.loans[0].calculators.ongoingCosts.strata.value | number: 0) : '        ' }} /month

    $ {{ (data.loans[0].calculators.ongoingCosts.council.value != '') ? (data.loans[0].calculators.ongoingCosts.council.value | number: 0) : '        ' }} /month

    $ {{ (data.loans[0].calculators.ongoingCosts.utility.value != '') ? (data.loans[0].calculators.ongoingCosts.utility.value | number: 0) : '        ' }} /month

    $ {{ (data.loans[0].calculators.ongoingCosts.homeContentInsurance.value != '') ? (data.loans[0].calculators.ongoingCosts.homeContentInsurance.value | number: 0) : '        ' }} /month

  • Forms and downloads - latest checklists, product and rates info

    Step by step guide on how to buy at auction
    Switching your regular payments to RAMS is easy
    Rates effective 3 September 2021 (subject to change)
  • Knowledge Centre - latest blogs and videos for home buyers

    When it comes to real estate, some areas of Australia are booming while others have had a slow year.
    The improved sentiment around COVID-19 has boosted confidence in the housing market. After falling for five consecutive months, average dwelling values across our capitals rose by 0.2% in October and ...
    If your goal is to repay your home loan in the shortest time possible, you should make sure your home loans allows you to make additional repayments on top of your minimum repayments. 
    We are in the middle of a recession, and in a pandemic, but first home buyers remain particularly active at the moment
    Location, walkability and designer features are just some of the elements driving popularity & demand. Originally published on realestate.com.au as “Australia’s most in-demand streets”.
    Is this the right area for me?  Can I afford it?  Is this house up to scratch?  and more....
  • Glossary and FAQs

    Glossary

    The language and jargon used in purchasing a property can be very confusing. Here's an A-Z glossary ...


    FAQs

    At RAMS, we are here to help you every step of the way. Check out the FAQs we have compiled for you....