• Find out more about your home loan options and check out our blogs and videos for our customers.
  • Manage your home loan

    Manage your home loan, savings and everyday accounts online with myRAMS, 24 hours a day, 7 days a week; wherever you have internet access!
    myRAMS makes it easy for you to keep your accounts up to date, by allowing you to update some of your details online.
    RAMS Parental Leave option allows you to defer principal and interest repayments on your loan for up to 6 months, to a maximum of 12 months, over the term of your loan
    Still wondering how to get that new property when the old one hasn’t sold yet? The solution might be a bridging loan from RAMS. Interested?
    A redraw facility allows you to make additional repayments into your loan account and then access these extra funds when necessary.
    To maintain cash flow for the builder and keep the construction project’s funding on track, we’ve developed the RAMS Construction Option.
  • Important information for customers

    Comprehensive Credit Reporting

    CCR enhances the credit reporting system that’s already in place by allowing for the exchange of a...


    Identification documents - checklist

    In order to establish you as a customer, you will need to provide us with various identification doc...


    Indigenous Customers

    By partnering with Aboriginal and Torres Strait Islander people, customers and communities we can ...


  • Blogs and videos for customers

    The sooner you get on the property ladder, the sooner your equity grows and you can start duplicating. Here are 6 expert tips from RAMS to get you started.
    It’s the question a lot of Australians with a mortgage have to grapple with – should I choose a fixed, variable or split home loan?
    When moving to a new area, consider who has the inside knowledge and local secrets to help you slip seamlessly into a new life…
  • Home loan calculators

    Whether buying a new home, refinancing an existing home loan or investing in property, RAMS mortgage calculators can give you an estimate of what your repayments could be, based on your home loan amount, your loan type and the interest rate you think you'll be paying.  Once you get an idea of your mortgage repayments from the calculator, together with the rest of your budget, you'll start to see whether you can realistically afford the home you want to buy.  Your local RAMS franchisee can also help guide you through this process.  View all of our calculators.

  • How much you could save by making additional repayment(s)

    $
      
    % p.a.
      
    years
    $
    $
      
    Year(s)

    Total interest saved

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    You could pay off your loan in

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    Total interest saved

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    You could pay off your loan in

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    Have you considered how much you could save by using an offset account?

    How much you could save by using an offset account?

    $
      
    % p.a.
      
    years
    $
    $

    Total interest saved on your home loan

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    You could also unlock equity to borrow more

    How much equity you could unlock to borrow more

    $
      
    %
      
    years
    $

    You could unlock useable equity

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    You may be able to borrow more but Lender's mortgage insurance may be applicable.

    Your repayment could be

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    This would be your new repayment if you unlock all of your useable equity.

    You need to apply to increase your home loan in order to access useable equity. Applications are subject to RAMS credit criteria, and fees and charges apply.

    Want to find out more about your home loan options?

  • I'm looking for information related to .....

    Refinancers

    Things change; like interest rates, income, lifestyle, living expenses. So why shouldn’t your home l...


    Investors

    Whether first time or a seasoned pro, RAMS can help you build that residential investment property p...


    Forms and downloads

    Checklists, tips, definitions and other helpful stuff, so you don’t miss a thing.