• View the benefits and rates of our home loan products or make a selection below to find the best home loan for you

  • Quick links to our home loan products, rates and benefits

    First home buyers

    Buying your first home can be daunting. How do you know how much you can borrow or what the likely s...


    Self-employed

    If you're a self-employed borrower, our dedicated home loans can save you both time and money - and ...


    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...


    Customers

    Your home loan with RAMS is more than a stepladder to owning a property. With so many available home...


    Value Advantage Package

    You could save with interest rate discounts, reduced or zero fees and more, depending on the type an...


  • Our home loans - owner occupier (principal and interest)

    Low rate - benefits
    • Ideal for first home buyers, owner occupiers
    • A low variable Rate with no monthly fees available to both owner occupiers and investors
    • The option of Interest Only repayment for up to 10 years for loans for investment purpose or up to 5 years for owner occupied loans
    • Gives you the flexibility to make extra repayments on your loan
    Fixed rate - benefits
    • Ideal for first home buyers and investors
    • Select from a wide range of fixed rate periods – 1, 2, 3, 4, 5 and 10 year  periods
    • Deposit up to an additional $30,000 during the fixed rate period without incurring fixed rate break costs  
    • Redraw any additional repayments to better help deal with life’s little emergencies ($1,000 minimum, conditions and fees apply, and subject to RAMS’ approval)  
    Full feature - benefits
    • Potential to save on fees and discounted interest rate with our Value Advantage Package (conditions apply).
    • Ideal for owner-occupiers, first home buyers, refinancers
    • Save money by depositing your salary into the 100% offset transaction account. 
    • Easy access to redraw on your home loan with debit card, ATM or cheque account – get 25 free transactions per month 
  • Line of credit - benefits
    • Ideal for investors, owner occupiers
    • Unlocks the equity in your home
    • Acts like a credit card at home loan rates
    • Easy access – use BPAY®, debit card, cheque or Bank@Post to transact
    • No regular repayment required if under your credit limit
    • Interest charged only on the outstanding loan balance.
    Self-employed - benefits
    • Ideal for self-employed
    • Redraw with no minimums and no redraw fee
    • Discounted interest rate for LVR’s < or = 70%
    • Simple application process – we make it easy for the self-employed
    • Borrow up to 80% of your property value and pay no mortgage insurance
    • Plus you could save on fees and receive a discounted variable interest rate with our Value Advantage Package - conditions apply.
    Self-employed fixed rate - benefits
    • Ideal for self-employed
    • Simple application process – we make it easy for the self-employed
    • Wide range of fixed rate periods – 1, 2, 3, 4, 5 and 10 year period
    • Borrow up to 80% of your property value and pay no mortgage insurance
    • Deposit up to an additional $30,000 during the fixed rate period
    • Redraw your additional repayments when you need it.
  • Self-employed line of credit - benefits
    • Ideal for Self-employed
    • Simple application process – we make it easy for the self-employed
    • No regular repayment required if under your credit limit
    • Interest charged only on the outstanding loan balance
    • Borrow up to 80% of your property value and pay no mortgage insurance

     

     
  • Home loan rates

    View all of our home loan rates and other product information in our forms and downloads section.
  • *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 examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

    Disclaimer:

    New loans only. Credit criteria, fees and charges apply.

    ^myRAMS is not available to Companies and Trusts and is subject to systems availability.

    1 Maximum LVR on purchase price (or valuation if lower) of up to 95% for principal and interest (P&I) loans and interest only (IO) construction loans with an interest only period of 12 months.  Maximum LVR on purchase price (or valuation if lower) of up to 80% for non construction interest only loans or construction loans with an interest only period greater than 12 months. Funds to cover transaction costs required. Lenders mortgage insurance applies when LVR is >80%. If LVR >85%, evidence of 5% genuine savings required.  Maximum LVRs are inclusive of any capitalisation of LMI. 

    2 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. 

    3 10 year IO option available for investment purposes only. 

    4 ®Registered to BPAY Pty Ltd ABN 69 079 137 518.  

    5 Lock In Fee Rules: For a Single Drawdown Loan, Lock In is applicable for a period of 90 days from the date the application is received by RAMS Origination. 

    6 Debit card not available to company borrowers. 

    7 Switch to interest only repayments is not permitted in the first 12 months of the loan 

    8 Value Advantage Package available on selected loans for customer with total RAMS eligible borrowings of $150,000 or more. Refer to the Value Advantage Package Brochure for Terms and Conditions. 

    9 Some institutions may charge a fee for use of their ATMs, payable in addition to any fee for transactions over free threshold.

    10 The RAMS Risk Fee is charged because of the increased risk to us due to the high LVR. Whether a Lender's Mortgage Insurance premium or a RAMS Risk Fee is payable will depend on the individual application.

    11 5% deposit and funds to cover transaction costs is also required. Not available on some property types or locations and other conditions apply.

    12 Not available for the purpose of owner occupied refinance, debt consolidation or equity release. 

    Value Advantage Package Conditions apply and are available at RAMS.com.au. 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 $375, 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.