• 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 has protects you against rate changes during the loan period. Have a look ...


      Self-employed fixed rate

      RAMS' self-employed fixed rate home loan means less paperwork and a simpler, quicker application pro...


  • Home loan calculators

    How much could I borrow?

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    How much could my repayments be?

    $
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    Based on the amount you want to borrow, an estimate of your minimum repayments is

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    Change the repayment amount below to see how much interest you could save

    Total payable

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    Principal - ${{data.loans[0].calculators.initial.total.principle | number:2}}

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    Principal - ${{data.loans[0].calculators.compare.total.principle | number:2}}


    Total interest saved

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    What are the upfront & ongoing costs?

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    Your estimated upfront costs would be

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    Your estimated repayments would be

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    and your estimated ongoing costs (excluding repayments) would be

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    Cost breakdown upfront costs

    Government fees

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    $ {{ data.loans[0].calculators.upfrontCosts.government.mortgageDuty | number : 0}}

    Government grants

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    RAMS fees

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    Lender's Mortgage Insurance

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    Other upfront costs to consider

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    Cost breakdown ongoing costs

    Repayments

    $ {{ data.loans[0].calculators.ongoingCosts.repayments | number : 0}}/month

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    RAMS fees




    Other ongoing costs to consider

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    $ {{ data.loans[0].calculators.ongoingCosts.utility.value | number: 0 }} /month

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  • Blogs and videos for home buyers

    Whether you opt for a fixed or variable interest rate will depend on several factors. Find out what ...
    If you're thinking about investing in your first property, make an appointment with RAMS to discuss ...
    When your home just doesn't tick the boxes anymore, you know it’s time to move on. Do you sell or ha...
    Video - why choose an interest only loan?
    An Interest Only loan allows the borrower to repay only the interest (as opposed to the principal amount and interest) for a set amount of time as agreed with their provider
    Video - Get the right investment loan - Stephen Villios
    How to ensure you get the right investor loan with RAMS home loan expert Stephen Villios.
    Video - Tips for property investors - Cameron Frazer
    Useful tips on what to look for in an investment property for first time investors.