• 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.

  • 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?

    Excludes super, packaging or Fringe Benefits as well as bonuses, overtime and share options.
    $
    $
    Rent you're receiving now / expect to receive.
    $
    Like dividends, bonuses, loadings, packaging or other Fringe Benefits – excludes salary and super.
    $
    $
    $
    e.g. $15k credit limit + $5k overdraft = $20k
    $
    $
    Repayments on the home you live in, if none leave blank.
    $
    Repayments on all your investment properties, if none leave blank.
    $
    e.g for a holiday
    $

    Please enter a valid postcode

    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

  • How much you could save by making additional repayment(s)

    $
      
    % p.a.
      
    years
    $
    $
      
    Year(s)

    Total interest saved

    ${{data.loans[0].calculators.extraLumpSum.saving.interest | number:2}}

    You could pay off your loan in

    {{data.loans[0].calculators.extraLumpSum.saving.time}}

    Total interest saved

    ${{data.loans[0].calculators.extraLumpSum.saving.interest | number:2}}

    You could pay off your loan in

    {{data.loans[0].calculators.extraLumpSum.saving.time}}

    Have you considered how much you could save by using an offset account?

    How much you could save by using an offset account?

    $
      
    % p.a.
      
    years
    $
    $

    Total interest saved on your home loan

    ${{data.loans[0].calculators.offset.saving.interest | number:0}}

    You could also unlock equity to borrow more

    How much equity you could unlock to borrow more

    $
      
    %
      
    years
    $

    You could unlock useable equity

    ${{data.loans[0].calculators.unlockEquity.result | number:0}}

    You may be able to borrow more but Lender's mortgage insurance may be applicable.

    Your repayment could be

    ${{ data.loans[0].calculators.unlockEquity.repayments.tempOngoing | number:0}} a

    This would be your new repayment if you unlock all of your useable equity.

    You need to apply to increase your home loan in order to access useable equity. Applications are subject to RAMS credit criteria, and fees and charges apply.

    Want to find out more about your home loan options?

  • Stamp duty calculator

    Don't be surprised by unexpected costs when buying a home. RAMS stamp duty calculator will show you how much in government fees and charges you can expect to pay in the state or territory you’re buying in. 

    For best results, fill the details of your property transaction (including your state or territory) to estimate what your total government fees would be, including stamp duty and grants if any.

  • Stamp duty

    $
    $
    $

    Your total Government fees would be

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


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

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

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

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

    Your total Government grants would be

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


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

  • Budget calculator

    The RAMS budget calculator helps you work out where your money is going, and what your net disposable income is after tax.

    Choose your income and expenses items from the list, or create your own.

    When you have finished try our home loan calculators to get an estimate of what your home loan repayments could be.

  • Income after tax

    Total income

    ${{budgetIncome.getTotalValueByPeriod(budgetIncome.resultPeriod.use) | number: 2}}

    Expenses

    Total expense

    ${{budgetExpense.getTotalValueByPeriod(budgetExpense.resultPeriod.use) | number: 2}}

    Total expense: ${{budgetExpense.getTotalValueByPeriod(overallResultPeriod.use) | number: 2}}

    Total income: ${{budgetIncome.getTotalValueByPeriod(overallResultPeriod.use) | number: 2}}

    You could earn bonus interest on your savings with a RAMS Saver account

  • Construction calculator

    To get you started, estimate how much your new build could cost and how much you could afford to borrow based on your lifestyle with our construction calculator. 

  • $
    $
    $

    Calculating your build cost

    Oops! something went wrong

    Your estimated build cost could be

    ${{ data.constructionData.build.buildCost| number:0 }}

    This is a very high level build cost estimate only. This does not consider the unknown costs such as site cost, landscaping, fencing etc. which may differ from property to property.
    This is an estimate of an amount you may be able to borrow, based on the information and interest rate you input. If you change any of the information, including the interest rate, you will obtain a different result. The result does not include any applicable fees. This is not an offer of credit, and you should not rely on it. Any amount you may be able to borrow can only be determined once you submit a full application to us and we assess your application using our credit criteria applicable at that time. The application process considers more information than you have input here, and so any amount you may be able to borrow may differ from this estimate. This estimates is indicative only and actual costs and the amount you could borrow may vary based on a number of factors including loan purpose. Before acting on the results of this estimation you should seek professional advice and contact your local RAMS Home Loan Specialist. Credit criteria, fees, charges, terms, conditions and eligibility requirements apply. RAMS home loans are not available for foreign borrowers residing outside Australia. *Suitable for residential properties, other than strata titles. DISCLAIMER: The Cordell Sum Sure calculator takes the answers you input (or confirm, as applicable) and analyses them against construction industry data collated by CoreLogic to generate an estimated rebuild cost of the improvements on your property. Use of the Cordell Sum Sure calculator and any estimated rebuild cost provided by it may not be appropriate for you and you will need to assess the suitability of this estimate given your knowledge of your property. A number of qualifications apply to the estimated rebuild cost, which are set out in the full set of terms and conditions accepted by you prior to your use of the Cordell Sum Sure Calculator.
  • Home Loan Key Facts Sheets

    A Home Loan Key Facts Sheet is an easy way to help you understand and compare home loans. Please fill out all the fields marked * and click “Submit” to view your Home Loan Key Facts Sheet.

    You can save and print the Home Loan Key Facts Sheet.