• 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 the right guidance, knowledge and any eligible government grants, your dream home could become a reality.

    At RAMS, we can structure your loan to make building or renovating your new home more manageable, and be by your side at every step.

    Why RAMS? 

    • You can combine the construction feature with our RAMS Essential Home Loan -  just the essentials with a great rate and great service.
    • Loan repayments during the build are Interest Only, helping you manage your budget.
    • RAMS give you 24 months to complete your build.
    • Available for both Owner Occupier and Investors.
    • Your local RAMS Home Loan Specialist will be there to guide you through the entire process, from start to completion.

    So what are you waiting for? Lay the foundations for your dream home with RAMS.


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  • What our customers have to say

    • As a first home buyer, applying for a home loan seemed pretty scary and quite full on. But applying with RAMS was the best part.

      Jeni Beattie from RAMS Brisbane South East & Bayside walked us through the process step by step, and made the whole process seem so easy, and much less daunting. Without Jeni we probably would still be stuck at the beginning trying to find a way into buying our first home. 

      For other young couples wanting to buy their first home, I would definitely recommend going through RAMS.

      Vennessa Churchward
    • Amanda and the RAMS Redlands team were brilliant. We had such a fantastic experience for the purchase of our first home. Amanda and Bianca went above and beyond, answering the millions questions we had with kindness and patience. Amanda was also full of knowledge and she genuinely cared about helping us have the best experience possible.

      RAMS are efficient and quick, from the start of our application to progress payments to the builder. We will definitely recommend RAMS to any family and friends in the future.

      Tiffany Aukuso and Casey Wright
    • I approached RAMS after speaking to a few different lenders. I found their response from the initial email was quick, and followed up with a phone call to go through my situation. 

      Being a first home buyer I was very green to the process and Mark helped me every step of the way. Mark always kept me well informed, I found my experience to be a lot easier than I thought it would be. I would highly recommend RAMS in Castle Hill to anyone

      Les Sutherland

    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



  • More information:

    Credit criteria, fees, charges, terms, conditions and eligibility requirements apply.  RAMS home loans are not available for foreign borrowers residing outside Australia.