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

  • My home loan options

    Bridging loan

    Still wondering how to get that new property when the old one hasn’t sold yet? The solution might be...


    Construction

    To maintain cash flow for the builder and keep the construction project’s funding on track, we’ve de...


    Lifestyle option

    Life is full of challenges. RAMS Lifestyle Option allows you to defer repayments on your loan for up...


  • Fixed rate home loan

    RAMS fixed rate home loan has protects you against rate changes during the loan period. Have a look ...


    Redraw

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


    RAMS Action offset

    By linking your 100% offset RAMS Action account to your eligible RAMS home loan, you could pay less ...


  • 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

  • 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.


  • Blogs and videos for customers

    There comes a time in almost every family’s life when they are faced with the question - 'Should we ...
    Did you know that you can enhance your lifestyle and the value of your home by creating an inviting ...
    Entertaining outdoors is very Australian. There is something about being barefoot by the barbie in s...
    Video - consolidate debt

    When you get a home loan you can roll other debts with higher interest rates - such as personal loans - into your home loan to make payments easier to manage.

    Video - how an offset account could lower your home loan payments
    Offset accounts are transaction accounts linked to your home loans which can help to reduce the amount of interest that you pay on your home loan
    Video - Styling your home with flair - Kyal and Kara
    Kara Demmrich shares with us some ideas for home decoration and how to add designer's flair to your home.
  • RAMS Saver

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

     

    Deposit at least $200 during the month
    Make no withdrawals
    Keep your balance between $200 - $500k
    3.15%-p.a.-includes-bonus-interest
  • myRAMS

    Manage your home loan, savings and everyday accounts online with myRAMS, 24 hours a day, 7 days a we...


    FAQs

    At RAMS, we are here to help you every step of the way. Check out the FAQs we have compiled for you....


    Savings and transactions

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