• Knowledge Centre - latest articles, blogs and videos

  • 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.

    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

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

    Change the repayment amount below to see how much interest you could save

    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}}

    If {{applicantDictionary(tmp.applicants, 'object')}} repayments are $ {{ data.loans[0].calculators.compare.comparisonRepaymentByPeriodTotal | number:2}} a

    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}}


    Total interest saved

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

    What are the upfront & ongoing costs?

    $
    $

    Your estimated upfront costs would be

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

    Your estimated repayments would be

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

    and your estimated ongoing costs (excluding repayments) would be

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

    Cost breakdown 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}}




    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 | number: 0 }}

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

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

    Cost breakdown ongoing costs

    Repayments

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

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




    RAMS fees




    Other ongoing costs to consider

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

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

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

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

  • Savings calculators

    Saving for a goal is easier when you can do the sums upfront and see the road ahead. Feel confident of reaching that goal with these RAMS savings calculators.

  • How much could I save?

    $
    $
    Year(s)

    With a RAMS Saver,

    Your total savings

    ${{data.savings.calculatedSavings | number:2}}

    If you make no withdrawals

    Got an amount you're saving towards in mind?

    How long to reach my savings goal?

    $
    $
    $

    With a RAMS Saver,

    It will take this long to reach your savings goal

    {{data.savings.timeToReachGoal.monthsYears}}

    How much interest could I earn?

    $
    $
    Year(s)

    With a RAMS Saver,

    Your interest earned

    ${{data.savings.interestEarned | number:2}}

    If you make no withdrawals

    Learn more about our savings account

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

  • 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....