• Information for existing customers to find out more about your home loan options

  • My home loan options

    Bridging loan

    Waiting to sell an existing property, but found the perfect 'next' property? There is a way to 'brid...


    Construction

    Set up progress payments if you intend to purchase land and build a new home – available on most ful...


    Lifestyle option

    Because life changes, you can defer repayments for up to six months to get through any challenging t...


  • Fixed rate home loan

    RAMS Fixed Rate Home Loan gives you option to fix your mortgage rate for the timeframe that best sui...


    Redraw

    A redraw facility allows you to make additional repayments into your loan account and then access th...


  • 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...


    RAMS reduces interest rates

    RAMS today announced a reduction in its variable home loan rates by 0.10% for both owner occupiers ...


  • 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 could I borrow?

    $
    $
    $
    $

    You could borrow up to

    ${{data.loans[0].borrowingPower | number:0}}

    Assuming a {{ data.loans[0].loanPeriod.initial }} year term

    at an interest rate of {{ data.loans[0].interestRate.ongoing.percent }} % p.a.

    Call us on 13 RAMS, thats 13 7267 about your situation to find the best solution for you.

    How much could my repayments be?

    $
    years
    % p.a.

    Based on the amount you want to borrow, an estimate of your minimum repayments is

    ${{ data.loans[0].calculators.initial.initialRepaymentByPeriodTotal | number:2}} a

    over {{ data.loans[0].loanPeriod.initial }} years

    Call us on 13 RAMS, thats 13 7267 about your situation to find the best solution for you.

    Change the repayment amount below to see how much interest you could save

    Total payable

    ${{data.loans[0].calculators.initial.total.payable | number:2}}

    Interest - ${{data.loans[0].calculators.initial.total.interest | number:2}}

    Principal - ${{data.loans[0].calculators.initial.total.principle | number:2}}

    If {{applicantDictionary(tmp.applicants, 'object')}} repayments are $ {{ data.loans[0].calculators.compare.comparisonRepaymentByPeriodTotal | number:2}} a

    Total payable

    ${{data.loans[0].calculators.compare.total.payable | number:2}}

    Interest - ${{data.loans[0].calculators.compare.total.interest | number:2}}

    Principal - ${{data.loans[0].calculators.compare.total.principle | number:2}}


    Total interest saved

    ${{data.loans[0].calculators.compare.saving.amount | number:2}}

    What are the upfront & ongoing costs?

    $
    $

    Your estimated upfront costs would be

    ${{ data.loans[0].calculators.upfrontCosts.totalUpfrontCosts | number:0 }}

    Your estimated repayments would be

    ${{ data.loans[0].calculators.ongoingCosts.repayments | number : 0}} per month

    and your estimated ongoing costs (excluding repayments) would be

    ${{ data.loans[0].calculators.ongoingCosts.totalOngoingCosts | number:0 }} per month

    Cost breakdown upfront costs

    Government fees

    $ {{ data.loans[0].calculators.upfrontCosts.government.mortgageRegistration | number : 0}}

    $ {{ data.loans[0].calculators.upfrontCosts.government.transfer | number : 0}}

    $ {{ data.loans[0].calculators.upfrontCosts.government.stampDuty | number : 0 }}

    $ {{ data.loans[0].calculators.upfrontCosts.government.mortgageDuty | number : 0}}

    Government grants

    $ {{ data.loans[0].calculators.upfrontCosts.government.firstHomeGrant | number : 0}}




    RAMS fees

    $ {{ data.loans[0].calculators.upfrontCosts.bank.settlement | number : 0}}




    Lender's Mortgage Insurance

    $ {{ data.loans[0].calculators.upfrontCosts.lmi| number : 0}}




    Other upfront costs to consider

    $ {{ data.loans[0].calculators.upfrontCosts.movingFee.value | number: 0 }}

    $ {{ data.loans[0].calculators.upfrontCosts.pestInspection.value | number: 0 }}

    $ {{ data.loans[0].calculators.upfrontCosts.conveyancingFee.value | number: 0 }}

    Cost breakdown ongoing costs

    Repayments

    $ {{ data.loans[0].calculators.ongoingCosts.repayments | number : 0}}/month

    a {{ data.loans[0].loanPeriod.initial }} year term at an interest rate of {{ data.loans[0].interestRate.ongoing.percent }} % p.a.




    RAMS fees




    Other ongoing costs to consider

    $ {{ data.loans[0].calculators.ongoingCosts.strata.value | number: 0 }} /month

    $ {{ data.loans[0].calculators.ongoingCosts.council.value | number: 0 }} /month

    $ {{ data.loans[0].calculators.ongoingCosts.utility.value | number: 0 }} /month

    $ {{ data.loans[0].calculators.ongoingCosts.homeContentInsurance.value | number: 0 }} /month

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