• If you’re having trouble with your home loan application, talk to RAMS

    RAMS Home Loan Specialists go the extra mile to help people into their homes. Depending on your individual situation, we have a variety of flexible features that may be able to get you into your home sooner.

    Speak to your RAMS Home Loan Specialist about: 

    • Flexible deposit options
    • Using rental history1 to demonstrate ability to meet loan repayments 
    • Family Guarantee2  

    They can also help with any Government grants you may be eligible for.

    So what are you waiting for? 

    Speak to RAMS today.

     

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    We'll be in contact within 2 business hours

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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 3 years running jpg   Kids Cancer Project logo  

    RAMS proud winner of Best Self-Employed Lender
    for three years running in the 
    2017, 2018 and 2019 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.

    1 Depending on the Loan to Valuation Ratio (LVR) of your application, you need to demonstrate either 6 or 12 months’ satisfactory rental history through receipts for private rentals or a letter from the licensed property manager / agent and your weekly rental payment must exceed 40% of your new weekly loan repayment.

    2The guarantor, who must be a parent or sibling of the borrower, is required to provide a mortgage over their property, and must obtain independent legal advice. The borrower must also provide a mortgage over the property they are purchasing. Funds to cover transaction costs may be required.