• Low Rate Home Loan

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    Low Rate Home Loan discounted rates for First Time Buyers2

    1. First Time Buyers who take out a Low Rate Home Loan are eligible to receive a discount off the Low Rate Home Loan interest rate.  Here’s a no frills, no fuss, low rate home loan whether you’re an owner-occupier or investor.

      3.59% p.a.2 (3.65% p.a. comparison rate3) for Owner Occupiers Principal and Interest on a Low Rate Home Loan. 

      Apply for a new Low Rate Home Loan, with a minimum loan size of $150k, between 1 July 2019 and 31 August 2019 and settle by 31 October 2019, and depending on your loan purpose and repayment type at the time of application, we’ll apply the relevant discounted rate to your loan for the life of the loan. The offer excludes construction loans and refinances of existing home loans to RAMS.

      First Time Buyer Low Rate Home Loan discounted variable rates  

      Loan Variable interest rate2 Comparison rate3
      Owner Occupied Principal and Interest 3.59% p.a. 3.65% p.a.
      Investment Loan Principal and Interest 4.20% p.a. 4.26% p.a.
      Investment Loan Interest Only 4.55% p.a. 4.61% p.a.


      Why not also check out our $2,000 First Time Buyer Rebateand you could get an even better deal.


  • The RAMS 6 point difference

    1. 1. Your first meeting won’t be a sales pitch. It starts with us listening and understanding your goals and unique situation.

    2. 2. From our very first contact you will have your RAMS home loan specialist’s mobile number who will be your main point of contact right through until settlement and beyond.

    3. 3. From the start, your dedicated RAMS home loan specialist will know your story , your ambitions and your needs. So you’ll only ever need to have that first long conversation once.

    4. 4. You won't be offered a home loan that doesn’t suit your needs.

    5. 5. You’ll have access to the RAMS local network of contacts to help as you progress to purchase.

    6. 6. Your dedicated RAMS home loan specialist will be available for advice and help whenever you need on your home buying journey.

  • Hear what our customers have to say

    • Testimonial image 3

      I wanted to take the opportunity to thank the RAMS team for their support and the effort they put into pulling our loans together. They always deliver a high level of customer service and are quick and efficient to work through any problems and questions that arise during the loan application process.

      Bryan Leeming
    • Testimonial image 2
      The team at RAMS were great, they explained all aspects of refinancing our home loan and were very responsive to all of our enquiries. Unlike other experiences with financial brokers or dealing with the other major banks, RAMS were helpful in assisting to complete documentation and realistic in managing our expectations.
      Phil Ulrich
    • Testimonial image 1
      I found applying for a mortgage a very nervous experience. I spoke to a friend about this and was recommended to contact Fiona at RAMS. I'm so glad I did. Fiona made the whole experience a calm process by guiding, explaining and offering me her expertise in all matters relating to a home loan, which made it less stressful.
      Anne Corcoran
  • More Information: Credit criteria, fees and charges apply. RAMS home loans are not available for foreign borrowers residing outside Australia.   

    2The discounted variable interest rate on the Low Rate Home Loan is available for new home loan applications. The offer is current as at 1 July 2019 and may be varied or withdrawn at any time. A First Time Buyer is an applicant purchasing their first property. Refinances of existing home loans are not eligible for the interest rate discount. Where there are joint applicants, only one applicant needs to be a First Time Buyer. Not available to company and trust borrowers. Offer excludes loans for construction and Low Rate Home Loans for owner occupiers making interest only repayments. The promotional variable interest rates include a discount on the current Low Rate Home Loan interest rate for the life of the loan based on the purpose and repayment type at the time of application: 0.52% p.a discount on Owner Occupied, Principal & Interest repayment loans, 0.42% p.a. discount on Residential Investment, Principal & Interest repayment loans and 0.36% p.a. discount on Residential Investment, Interest Only repayment loans. Interest rates are subject to change. The promotional variable interest rates can be used in conjunction with the First Time Buyer Rebate Offer, but are not available in conjunction with any other special offer, or discount.

    3The comparison rate is based on a loan of $150,000 over a term of 25 years. WARNING: The 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.