• Calculate your borrowing profile or check out our savings calculator to see how long it will take to save for a deposit.

  • 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 equity you could unlock to borrow more


    You could unlock useable equity

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

    Your repayment could be

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