• Applying for a home loan when you’re self-employed?
    Home loans are what we do.

    Helping business owners become home owners

    At RAMS, we understand that when you’re self-employed, buying a home can be more challenging. That’s why our network of RAMS Home Loan Specialists will be by your side every step of the way.

    They appreciate how busy running your own business can be so they’ll work around your schedule, give you their mobile number (not just a call centre) and always be there with plenty of step-by-step support with your application, the type of paperwork you’ll need, and any other help you may require. They’ll also be a wealth of local market knowledge and moral support when you need it, all to help make you a proud property owner as a well as a proud business owner.

    It’s no surprise that RAMS have been awarded Best Self-Employed Lender for the fourth year running at the 2017, 2018, 2019 and 2020 Australian Lending Awards!

    Leave your details in the form below and your local RAMS Home Loan Specialist will reach out to help.


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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. 

    The financials you need to support your application are a signed Borrower Certificate of Income Declaration form together with a satisfactory Accountant Declaration for amounts up to $1,000,000 and (if refinancing) statements for the last six months of the loan(s) being refinanced.  If the amount is more than $1,000,000 or your cash out limit exceeds $100,000 or 10% equity in property, then 12 months of BAS are required.  If you manually lodge your BAS, evidence of payment to the ATO is also required.