• Looking for a home loan that could take you places?

    With our RAMS Essential Home Loan the sky’s the limit.  

    It’s amazing what you can do when you focus on just one thing.  Like our RAMS Essential Home Loan

    As the name implies, it covers all the essentials. But because home loans are what we do, it comes with our own specialised level of personal service.

    As well as having an attractive rate, the RAMS Essential Home Loan is just that – the essentials. It’s a journey to owning a new home, free from complications and clutter. We’ll make sure you know what you need to pay up front, with no hidden costs and no unnecessary features.

    Three reasons to choose this loan: 

    • Looking to build? Choose from a range of flexible features including our Construction Option for those who intend to purchase land and build a new home
    • Flexibility to make extra repayments and redraw funds should you need to
    • Personal expertise from our home loan specialists, to help you every step of the way 
    RAMS Essential Home Loan Variable interest rate p.a. Comparison rate* p.a.
    New Owner Occupier
    (Principal & Interest) Loans
    LVR from 70%, up to 80%
    Includes 1.54% p.a. discount off our
    Essential Home Loan Variable Rate
    2.94% 3.00%

    The sky’s the limit with our RAMS Essential Home Loan. Talk to a RAMS home loan specialist today.

  • 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

  • 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 and charges apply. Interest rates are subject to change. RAMS home loans are not available for foreign borrowers residing outside Australia.

    LVR from 70% up to 80%. LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the credit provider valuation of your property offered to secure your loan expressed as a percentage. Home loan rates for new loans are set based on the initial LVR and don’t change if there are changes to the LVR during the life of the loan.

    *The comparison rate is based on a loan of $150,000 for a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.