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Home loans are what we do.

If there's a way to get you into a new home, we'll find it.

What can we help you with today?

Choose a loan option to suit you

First home buyers

Explore home loans suitable for first home buyers, including an option to reduce Lender’s Mortgage Insurance by up to $5k+.


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.


Make building or renovating your home achievable with the Construction option added to your RAMS Home Loan

Flexible Features

Our loans work around you, with flexible features designed to help everyone from self-employed to first-home buyers.

Existing customers

Log into MyRAMS to manage your home loan or read informative articles and advice from our RAMS home loan specialists (not available to company or trust borrowers).

Our latest home loan offers

Get $4,000 when you switch your home loan to us

Refi rebate

You could enjoy a $3,000 rebate when you refinance your home loan.

Essential home loan with LVR less than 70%

Essential home loan

We understand that things can get overwhelming on your home loan journey, which is why we’ve created the RAMS Essential Home Loan.

Take out a new RAMS home loan and you could enjoy a $1,000 New Purchase Rebate

New purchase rebate

Your home loan journey could get a head start with a $1,000 New Purchase Rebate.


Our 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

RAMS Home Loans

Essential Home Loan

A no-frills variable interest rate home loan suitable for first home buyers or investors, with the flexibility to make extra repayments or redraw whenever you need.

Fixed Rate Classic Home Loan

A simple fixed-rate home loan the gives you the certainty of set repayment amounts, with the ability to redraw, or make lump sum repayments (up to $30K over the fixed term) without break costs.

Full Feature Home Loan

Flexibility with an offset account, parental leave option, easy redraw and the potential to save with our Value Advantage Package.*

Line of Credit

With a line of credit, you could access the equity that has built up in your home loan to a pre-approved credit limit, and only pay interest on the amount you’ve accessed. 

Fixed Rate Home Loan (Packaged)

Get the certainty of regular loan repayment amounts over a fixed term, while saving on fees by taking up a Value Advantage Package.

RAMS Home Loan Features

An aid to help you understand the advantages and disadvantages of the main features of a home loan in order to assist you with choosing a loan that is suitable for your needs.

RAMS Home loans rates and features (Owner Occupier)

*Please note: The comparison rate for the relevant product is based on a loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

RAMS Home loans rates and features (Investor)

*Please note: The comparison rate for the relevant product is based on a loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Knowledge Centre

Redraw facility vs offset account - how to save interest on your home loan 

Let’s look at redraw vs offset, and which of these home loan features might be better for your financial situation. 

Read more
Units tipped to outpace house price growth in coming years

Australia's housing market is at an 'inflection point' with deteriorating affordability and increased stock causing price growth to moderate, according to a new report.

Read more

Contact us

Awards and community support

#Value Advantage Package Conditions apply and are available at Available for customers with total RAMS borrowings of $150,000 or more. No discounts apply where total customer borrowings is less than $150,000, and no interest rate discounts apply to an eligible loan while the interest rate is fixed. Total Customer Borrowings is calculated as the total credit limit for each existing RAMS home loan and any new RAMS home loan being applied for; however the discount only applies to the new eligible loan. There is no limit on the number of new eligible variable rate loans within a RAMS Value Advantage Package that can receive an interest rate discount. Annual fee, currently $149, applies. Unless we tell you otherwise, Package benefits cannot be taken in conjunction with, or in addition to other special offers, negotiated rates or discounts.

+ First Time Buyers are applicants ​applying for their first home loan for their first property. For joint applications, at least one applicant must be a First Time Buyer. Available on New Owner Occupier & Investment loans with Principal & Interest repayments. Not available on Interest Only repayments. Offer current as of 13 July 2020. Offer may be varied or withdrawn at any time. Min loan size of $250k. Max one security property per application. Excludes Line of Credit, Constructions Loans which remain on Interest Only repayments after completion of the initial Interest Only period, Land Only Loans, RAMS Fast Track home loans, company and trustee borrowers, refinances, and switches and refinances of home loans within the Westpac Group which includes RAMS, St. George, Westpac, Bank of Melbourne and BankSA. Offer not available in conjunction with RAMS New Purchase Buyer $1,000 Rebate offer. Lender’s Mortgage Insurance premium will be reduced for eligible customers up to a max of $5,000 with a premium of at least $1 payable for LMI by the customer. This will be reflected within the Home Loan Agreement. Where the LMI premium is more than $5,000, RAMS will pay $5,000 towards the premium. The balance of the LMI premium will be payable by the customer. LMI subject to approval and customer must adhere to LMI obligations during the loan agreement. Funds to cover transaction costs are required. This information does not take into account your personal circumstances.  

^ Maximum LVR of up to 90% on purchase price (or valuation if lower) for loans with principal and interest (P&I) repayments. Maximum LVR of up to 80% on purchase price (or valuation if lower) for loans with interest only (IO) repayments and all construction loans. Funds to cover transaction costs required.

10 year IO option available for investment purposes only.

**Essential Home Loan Promotional Rate: This offer is only available for new Owner Occupier Essential Home Loan applications with Principal and Interest repayments received from 5 July 2023. Discount applies to our Essential Home Loan offer for the life of the loan. This offer may be varied or withdrawn at any time. Interest rates subject to change.