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

  • Interest only in advance

    Discounted interest rate

    • Ideal for: Investors

      RAMS Interest Only in Advance allows property investors with a fixed rate loan to prepay up to 12 months of interest in advance at a time and to receive a discount off the fixed interest rate (see RAMS Lending Rates at a Glance for current discounts).At the end of each 12 month period the borrower can apply for a further 12 month interest in advance period.

      Additional benefits of interest only in advance 

      • Helps maximise cash flow and budgeting by knowing there'll be no more loan repayments throughout the year
      • Locking in a fixed interest rate can protect you against rate rises.
      • It’s a good idea to check with your accountant or financial adviser to ascertain if this strategy is a suitable option for your circumstances.


    • Fixed rate home loan

      RAMS Fixed Rate Home Loan gives you option to fix your mortgage rate for the timeframe that best sui...

      Self-employed fixed rate

      Self-employed fixed rate home loan; less paperwork and simpler, quicker application process fo...