• We’re the team to help build your dream.

    If you’re looking to build or renovate your dream home, RAMS is here to help.

    Building or renovating a home is no easy project to take on but with useful tools and resources, expert guidance plus any eligible government grants, your dream home could become a reality.  At RAMS, we can structure your home loan to make building or renovating more manageable, and be by your side every step of the way.  

    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.
  • Speak to a home loan specialist

    We'll be in contact within 2 business hours

    * Required

    By submitting this form you acknowledge that you have read and accept our privacy statement

  • Blogs and videos for construction

    If you’re looking to buy land to build a new home, the good news is there’s plenty of new land developments around most of our major cities.
    Older suburbs across Australia are getting an injection of new life thanks to creative property developments.  
    Work can begin on your property the moment you receive approval from your RAMS Home Loan Specialist and the Authority to Commence (ATC) construction is issued.
  • What our customers have to say

    • RAMS Brisbane South

      We got in contact with RAMS for a loan to build our new home. They helped all along the way and made it easy and straight forward. They explained everything we needed to know. They always answered all our questions. Thank you RAMS for all your help. We are in our own home now.

      Shauntal Delgado
    • RAMS Hawkesbury

      We received outstanding customer service at our local RAMS branch here in Springwood. Trish was able to help us and was very professional, friendly and efficient. She walked us through step by step to get our loan approved and Sandy was able to help us through the payment process for our construction loan. We cannot express how greatly thrilled we were to have both ladies there to help us each step of the way.

      Megan and Matt
    • RAMS Moreton

      A BIG thank you to Tony and Bec from RAMS Moreton for helping me build my very first home. They are very knowledgeable and were so helpful from the pre-loan stage through to the end of construction. Together they made the process seem super easy and spoke in a way that I could understand. Nothing was too hard and they always made themselves available when I needed it. I would highly recommend RAMS Moreton.


    SE award 4 years running jpg   Kids Cancer Project logo  

    RAMS proud winner of Best Self-Employed Lender
    for four years running in the 
    2017, 2018, 2019 and 2020 Australian Lending Awards.


    RAMS proudly supports
    The Kids' Cancer Project