• You could receive a $4,000
    Refinance Rebate.1

    Splash out with RAMS and you could enjoy a $4,000 rebate1 when you refinance with RAMS.

    Whether you’re looking to reshuffle your home loan repayments, get a better deal or consolidating loans, now could be a great time to refinance. 

    As well as the RAMS’ great service, step by step guidance and tailored advice, you could now also enjoy a $4,000 rebate1 .

    You may be eligible to receive a $4,000 rebate1 when you refinance your home loan to a new RAMS Home Loan, with a minimum loan size of $250k between 1 September 2021 and 30 September 2021 and settle by 30 November 2021.  (Excludes Owner Occupier with Interest Only repayments, and internal refinances from within the Westpac Group). T&Cs and exclusions apply.

    Get started by filling in the form below and your local RAMS Home Loan Specialist will be in touch.

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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



  • More information: 

    Credit criteria, fees and charges apply. RAMS home loans are not available for foreign borrowers residing outside Australia. 1Offer is current as at 1 September 2021 and may be varied or withdrawn at any time. For new refinance applications received between 1 September 2021 and 30 September 2021 and settle by 30 November 2021.  Offer available on the Essential Home Loan, Full Feature and Fixed rate home loan products (excludes Line of Credit) Owner Occupier with Principal and Interest repayments and Investment Loans. $250k min loan per property refinanced. Only 1 rebate per settled application with the predominant purpose is refinance will be paid regardless of the number of loans involved. This offer is not available in conjunction with the New Purchase Buyer $2,000 Rebate. Excludes Line of Credit Loans, switches and refinances of home loans within the Westpac Group which include St.George, Westpac, Bank of Melbourne, BankSA. Offer not available for Owner Occupier Interest Only loans or residential lending originated under family or company trusts. Not available to company and trust borrowers. The offer is limited to one rebate per eligible application. Split loans are counted as one settled home loan regardless of the number of splits. Rebate will be automatically deposited into the home loan account within 60 days after settlement. If the home loan has a fixed interest rate, the rebate will count towards the prepayment threshold. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters.