For COVID-19 info, or to apply for COVID-19 home loan support, see rams.com.au/covid-19-assist. We will contact you as soon as possible.
  • Calculate your borrowing profile or check out our savings calculator to see how long it will take to save for a deposit.

  • Home loan offset calculator

    An offset account is an everyday deposit account which is linked to your variable rate home loan: the money you hold in this offset account can reduce the amount of interest payable on your home loan. Additionally, the offset account acts as an everyday account and you can access your funds anytime.

    Do you wish to calculate how much you could save by using an offset account? Our handy tool can help! For best results, fill in the outstanding loan amount (including interest rate and home loan duration) and the additional contributions to your offset account to estimate how much interest you could save on your home loan.

     
  • 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}}

  • Other calculators and tools you might want to check now:

    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.