Buying your first home is one of life’s major milestones! We can help with ideal first home buyer home loans; we’ll explain the jargon and together explore loan types and interest rates which may suit you.
Buying your first home is an exciting time, a RAMS Home Loan Specialist can help and be with you every step of the way – we specialise in first home buyer home loans.
Here you’ll find calculators, tools and tips to help you buy your first home. Your own home loan specialist will answer your questions and help you with your home loan application.
From understanding Loan to Value Ratio (LVR) and what affects your borrowing power, to choosing the right home loan and whether you’re eligible for a first home owner grant or need Lenders Mortgage Insurance (LMI).
Let’s do this!
Choose from our range of flexible home loans, ideal for first home buyers. Fixed or variable home loans, with redraw facilities and offset; there’s one that’s sure to suit you.
We’re locally based residential home loan specialists. Your RAMS Home Loan Specialist knows the neighbourhood and is part of the community.
First time property investors with less than 20% deposit and an LVR between 80% and 95% could reduce their Lender’s Mortgage Insurance by up to $5k+.
We take pride in delivering great customer service; your dedicated RAMS Home Loan Specialist will help every step of the way.
*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.
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.
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A RAMS home loan specialist will find the right home loan to suit you and your stage of life.
Our home loan specialists take the ‘hard’ out of the process for you. They’ll come to you, at a time and place that suits you and sort out approval in days, not weeks, wherever possible.
You’ll have a dedicated home loan specialist from start to finish, so you’ll only have to tell your story once. You’ll also have their mobile number, so whatever arises, you can get things sorted.
If you have any questions about a first home buyer home loan including the application process or eligibility criteria, our experienced home loan specialists will be very happy to answer them.