• If there’s a way to get you into a new home, we’ll find it.

    Because we focus primarily on home loans, we understand the challenges that come with buying a home better than anyone – and more importantly, how to navigate them successfully. 

    Our RAMS Home Loan Specialists pride themselves on supporting you through every step of the process. This means listening to your individual needs, working around your schedule and delivering all the local market knowledge, professional advice and moral support you need to get you into your new home sooner.

  • Discover the difference a true home loan specialist can make

    Smooth pre-approval process.   With the process typically sorted in a matter of days, you’ll be free to devote more time to finding the home that suits you.

    Personal support.  A dedicated specialist will be your ‘go-to’ person from start to finish, to help you see things through. You’ll also have their mobile number to make it easier to get things done.

    Our rates.  At RAMS, we work hard to keep our rates attractive, so you can rest easy knowing you’ve found the home loan that’s right for you.

  • Our home loan offers

    A range of offers and promotions that could help you get into your first or next home sooner.

    Find out more

  • If you’re looking for a great rate, look no further with our low 1, 2, 3 and 4 Year Fixed Rate Classic Home Loan, a basic loan without all the extras.
  • We understand that things can get overwhelming on your home loan journey, which is why we’ve created the RAMS Essential Home Loan.
  • Find out why our customers choose RAMS

    • Thank you all for your service and support with our refinance and construction loans. From our first conversation we felt confident and reassured that the process would be smooth, timely and hassle free and it has been indeed. Communication from your team has been excellent throughout the whole process too – with prompt replies to emails and phone calls, we always felt we were a high priority. We would not hesitate at all in recommending your team to any of our family or friends.
      Nick
    • After about a month the broker that I was using, called me to tell me he couldn’t get me finance unless I get another extra $20,000.00 into my deposit. I went to RAMS and made an enquiry, in about 1 minute Grant called me and I explained my situation. I met Grant, he analysed my case and made some suggestions to assist. Within 3 days my loan was approved. I highly recommend RAMS and especially Grant.
      Marco Pratts
    • 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.
      Sarah William
  • Home loan calculators

    How much could I borrow?

    Excludes super, packaging or Fringe Benefits as well as bonuses, overtime and share options.
    $
    $
    Rent you're receiving now / expect to receive.
    $
    Like dividends, bonuses, loadings, packaging or other Fringe Benefits – excludes salary and super.
    $
    $
    $
    e.g. $15k credit limit + $5k overdraft = $20k
    $
    $
    Repayments on the home you live in, if none leave blank.
    $
    Repayments on all your investment properties, if none leave blank.
    $
    e.g for a holiday
    $

    Please enter a valid postcode

    You could borrow up to

    ${{data.loans[0].borrowingPower | number:0}}

    Assuming a {{ data.loans[0].loanPeriod.initial }} year term

    at an interest rate of {{ data.loans[0].interestRate.ongoing.percent }} % p.a.

    Call us on 13 RAMS, thats 13 7267 about your situation to find the best solution for you.

    How much could my repayments be?

    $
    years
    % p.a.
    years

    Based on the amount you want to borrow, an estimate of your minimum repayments is

    ${{ data.loans[0].calculators.initial.initialRepaymentByPeriodTotal | number:2}} a

    over {{ data.loans[0].loanPeriod.initial }} years

    Interest only repayments in the first {{ data.loans[0].loanPeriod.interestOnly }} years

    ${{ data.loans[0].calculators.initial.initialInterestOnlyRepaymentByPeriodTotal | number:2}} a

    and, principal and interest repayments for the remainder of the life of the loan

    ${{ data.loans[0].calculators.initial.initialRepaymentByPeriodTotal | number:2}} a

    Call us on 13 RAMS, thats 13 7267 about your situation to find the best solution for you.

    You would save

    You would pay an extra

    ${{data.loans[0].calculators.compare.saving.amount | number:2}}

    in interest over the life of the loan

    $ {{ data.loans[0].calculators.initial.initialInterestOnlyRepaymentByPeriodTotal | number:2}}

    $ {{ data.loans[0].calculators.initial.initialRepaymentByPeriodTotal | number:2}}

    Total payable

    ${{data.loans[0].calculators.initial.total.payable | number:2}}

    Interest - ${{data.loans[0].calculators.initial.total.interest | number:2}}

    Principal - ${{data.loans[0].calculators.initial.total.principle | number:2}}

    $ {{ data.loans[0].calculators.compare.comparisonInterestOnlyRepaymentByPeriodTotal | number:2}}

    $ {{ data.loans[0].calculators.compare.comparisonRepaymentByPeriodTotal | number:2}}

    Total payable

    ${{data.loans[0].calculators.compare.total.payable | number:2}}

    Interest - ${{data.loans[0].calculators.compare.total.interest | number:2}}

    Principal - ${{data.loans[0].calculators.compare.total.principle | number:2}}


    What are the upfront costs and ongoing?

    $
    $
    $

    You would need a deposit of ${{data.loans[0].calculators.upfrontCosts.depositRequired | number: 0}}

    Your estimated upfront costs would be

    ${{ data.loans[0].calculators.upfrontCosts.totalUpfrontCosts | number:0 }}

    Your estimated ongoing costs would be

    ${{ data.loans[0].calculators.ongoingCosts.totalOngoingCosts | number:0 }} per month

    Upfront costs

    Government fees

    $ {{ data.loans[0].calculators.upfrontCosts.government.mortgageRegistration | number : 0}}

    $ {{ data.loans[0].calculators.upfrontCosts.government.transfer | number : 0}}

    $ {{ data.loans[0].calculators.upfrontCosts.government.stampDuty | number : 0 }}

    $ {{ data.loans[0].calculators.upfrontCosts.government.mortgageDuty | number : 0}}

    Government grants

    $ {{ data.loans[0].calculators.upfrontCosts.government.firstHomeGrant | number : 0}}

    If you are building new home and the total value of land and building is up to $750,000 then you may be eligible for First Home Owner Grant. Please refer to Office of State Revenue website for further details.

    The First Home Owner grant is based on assumption that the total value of land and building is less than or equal to $750,000.

    RAMS fees

    $ {{ data.loans[0].calculators.upfrontCosts.bank.settlement | number : 0}}

    Lender's Mortgage Insurance

    $ {{ data.loans[0].calculators.upfrontCosts.lmi| number : 0}}

    Other upfront costs to consider

    $ {{ (data.loans[0].calculators.upfrontCosts.movingFee.value != '') ? (data.loans[0].calculators.upfrontCosts.movingFee.value| number: 0) : '        ' }}

    $ {{ (data.loans[0].calculators.upfrontCosts.pestInspection.value != '') ? (data.loans[0].calculators.upfrontCosts.pestInspection.value | number: 0) : '        ' }}

    $ {{ (data.loans[0].calculators.upfrontCosts.conveyancingFee.value != '') ? (data.loans[0].calculators.upfrontCosts.conveyancingFee.value | number: 0) : '        '}}

    Ongoing costs

    Repayments

    $ {{ data.loans[0].calculators.ongoingCosts.repayments | number : 0}}/month

    Assuming a {{ data.loans[0].loanPeriod.initial }} year loan term on RAMS Essential Home Loan with a variable interest rate of {{ (data.loans[0].calculators.upfrontCosts.residencyType == 0) ? data.loans[0].interestRate.ongoing.percent : data.loans[0].interestRate.ongoingInvestor.percent }}% p.a., comparison rate* of {{ (data.loans[0].calculators.upfrontCosts.residencyType == 0) ? data.loans[0].interestRate.comparison.percent : data.loans[0].interestRate.comparisonInvestor.percent }}% p.a. and $0 account keeping fee.

    RAMS fees

    Some other ongoing costs to consider

    $ {{ (data.loans[0].calculators.ongoingCosts.strata.value != '') ? (data.loans[0].calculators.ongoingCosts.strata.value | number: 0) : '        ' }} /month

    $ {{ (data.loans[0].calculators.ongoingCosts.council.value != '') ? (data.loans[0].calculators.ongoingCosts.council.value | number: 0) : '        ' }} /month

    $ {{ (data.loans[0].calculators.ongoingCosts.utility.value != '') ? (data.loans[0].calculators.ongoingCosts.utility.value | number: 0) : '        ' }} /month

    $ {{ (data.loans[0].calculators.ongoingCosts.homeContentInsurance.value != '') ? (data.loans[0].calculators.ongoingCosts.homeContentInsurance.value | number: 0) : '        ' }} /month

  • Speak to a home loan specialist

    We'll be in contact within 2 business hours

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  •  

    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.

    RAMS home loans are not available for foreign borrowers residing outside Australia.