• Buying your first home could now be more affordable

    Talk to RAMS to find out if you’re eligible for the NSW Government’s stamp duty reductions and First Home Owner Grant 

    The NSW Government has abolished stamp duty for first home buyers on all homes up to $650,000 and provides relief on homes up to $800,000. If you need Lender’s Mortgage Insurance, you will also save on the insurance duty.

    And it’s even better news if you plan to buy or build a new home because you could also qualify for the $10,000 First Home Owner Grant.

    Ask a RAMS Home Loan Specialist whether you are eligible and about our flexible deposit options.

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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



  • Disclaimer:

    Credit criteria apply. You will need funds for a deposit, as well as to cover transaction and establishment costs. Where the LVR > 85%, evidence of 5% genuine savings is also required. The savings available to you will depend on the price of the property, and whether you are constructing or buying a new property. Other eligibility criteria and maximum property value caps apply to the NSW First Home Owner Grant. For further information and conditions applying to the NSW First Home Owner Grant and the NSW Government’s changes, visit www.osr.nsw.gov.au. Credit provider and issuer of RAMS deposit products: Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.