Skip to main

Information for our customers

Find out how you can manage your accounts, discover some of the features and options available on your home loan, and check out our blogs and videos for loads of other useful information.


Manage your home loan, savings and everyday accounts 24/7 with myRAMS. Check your balances, pay your bills, transfer money.  All you need is internet access!


We know our customers may need support in different ways at different times in their lives. Whether it’s financial hardship, a difficult domestic situation or health problems.  if you need a little extra care, we can help.


Ready to invest in property? Our loan options for investors include the option of interest-only repayments for up to 10 years


Find out how you could benefit from refinancing – potentially saving money, reducing repayments or unlocking equity in your home.

Find out more about our product features

Offset account

An offset bank account could help reduce interest on your variable rate home loan, while giving you access to funds you can redraw.

Bridging loan

You could still buy your new home even if you haven’t sold your old one yet.  Welcome to a RAMS bridging loan.

Redraw facility

You can make additional repayments into your loan account and then access these extra funds when you need them.

Parental leave

Defer principal and interest repayments for up to six months while you’re on parental leave with a Full Feature Home Loan.

Home loan calculators

Use our home loan calculators to estimate your mortgage repayments, upfront costs, and how much you could borrow – whether you’re looking for your first loan or refinancing an existing one.

How much could I borrow calculator
How much could my repayments be calculator
What are the upfront and ongoing costs calculator

Important information

Open Banking

Share your RAMS banking data with parties that you trust, such as other banks and financial services providers.

Comprehensive credit reporting

CCR provides a more complete picture of consumers’ credit history. As part of CCR, RAMS is required to share your account information with the credit reporting bodies.

Identification documents checklist

To set you up as a customer we’ll need some identification documents so we know you’re who you say you are.

Indigenous Australian Customers

Supporting and partnering with our Indigenous customers will help promote social and financial equality. That benefits all Australians.

Forms and downloads

Checklists, definitions, product and rates info, tips and lots of other useful stuff.


RAMS Home & Contents and Landlord insurance products are no longer available. However, current holders of these policies will continue to be covered under their existing policies.

RAMS Saver

RAMS Saver is a completely online savings account, easily managed via myRAMS where you can deposit, withdraw and transfer funds.

RAMS Action 

It’s an everyday transaction account, managed online via myRAMS where you can transfer funds between RAMS accounts, and much more.


Managing your home loan, savings and everyday accounts has never been easier with myRAMS. Access your RAMS accounts 24 hours a day, 7 days a week; wherever you have internet access.

Update your profile

Everything you need to know about verifying and updating your details.

Blogs and videos for customers

The state where investors are flocking29 November 2023 | Blog | 3minRead
Common building defects16 November 2023 | Blog | 2minRead