• 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

    Information for RAMS existing customers


    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.
  • DISCLAIMER:

    *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.