• Whether a first-time buyer or self-employed, a RAMS home loan has flexible options to make the loan work better for you.

  • Flexible features

    Whether a first-time buyer or self-employed, a RAMS home loan has flexible options to make the loan work better for you

  • Offset

    How to reduce the amount of interest you pay on your loan.


    Value Advantage Package

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


    Fast track

    With a limited guarantee (from a parent or sibling) you could make that home loan happen sooner.


  • Construction

    Set up progress payments if you intend to purchase land and build a new home – available on most ful...


    Lifestyle option

    Because life changes, you can defer repayments for up to six months to get through any challenging t...


    Bridging loan

    Waiting to sell an existing property, but found the perfect 'next' property? There is a way to 'brid...


  • Deposit bond

    Acts as a guarantee that’s used instead of a cash deposit on exchange of contracts without dipping i...


    Interest only in advance

    Offers a discounted fixed rate and one lump sump payment for 12 months.