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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

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Flexible Features


An offset bank account could help reduce interest on your variable rate home loan, while giving you access to funds you can redraw.

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Bridging Loan

You could still buy your new home even if you haven’t sold your old one yet. Welcome to a RAMS bridging loan.

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Construction Option

Make progress payments for your new home build or renovation and pay interest on only your drawn down loan amount during the initial construction period.

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Interest only in advance

Investors can pay up to 12 months of interest upfront and receive an interest rate discount on your fixed rate loan. Great for investors.

More details on Interest only in advance

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