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

  • Parental Leave option

    You could defer repayments for up to six months, (to a maximum of 12 months), over the term of your loan; conditions apply.

    • RAMS Parental Leave option

      The RAMS Parental Leave option is available to eligible customers wanting to take maternity/parental leave.

      RAMS Parental Leave option allows you to defer repayments on your loan for up to six months –  up to a maximum of 12 months over the life of the loan. It’s our way of helping out.

      Conditions and fees apply so talk to a RAMS home loan specialist to see how we can help.

      Parental Leave option conditions

      Borrowers will need to make a formal request to RAMS with an updated assets and liabilities statement, with all borrowers signing the request. 

      • Parental Leave option is only available to borrowers wanting to take maternity or parental leave.  
      • Usual reduced period is six months. This can be reassessed for a further six months. Shorter periods may also be taken provided the total time does not exceed 12 months over the term of the loan.
      • Borrower will need to provide evidence e.g. maternity/parental leave approval. 
      • The deferred portion of repayments will be capitalised to the remaining loan principal balance. 

      Applicable waiting periods 

      • Parental leave is available from 12 months after starting an eligible RAMS Home Loan. 
      • Other conditions and lending criteria apply.

    • Full feature home loan

      An all-in-one home loan with a transaction account, redraw option and ability to deposit salary stra...


      Low rate

      Our Low Rate home loan offers a no fuss, no frills, and easy-to-manage mortgage with 100% offset and...


      Self-employed home loan

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


    • Hypothetical scenario

      John and Katie had taken out a RAMS Home Loan two years ago and were now expecting a baby. They wanted to reduce their monthly loan repayments while Katie was on maternity leave.

      RAMS says...

      Having saved, they were ahead in their loan repayments and their LVR was now below 90%. And because their particular RAMS Home Loan had the Parental Leave option, John and Katie were able to halve their monthly interest only repayment for 6 months with the amount owing added to the loan’s principal. 

      The expectant couple were of the view that it was a small price to pay for the time they were able to share as a family without the pressure of meeting loan repayments while Katie was on maternity leave.

  • Home loan calculators

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  • Blogs and videos for home buyers

    Saving your first home deposit can be tough but there are ways you could fast-track your entry into the property market. Ken Wilson, Principal of RAMS Sydney South East, explains.
    For those with a longer term ‘buy, hold, sell’ strategy, here are a few tips on how to add value to your investment property
    The sheer satisfaction of transforming your property to your dream home is what most renovators live for.
    Matt Clark explains the importance of choosing the right home loan and helps first home buyers understand different types of home loans.
    Renting out a spare room could be a way to help pay off your mortgage faster. 
    Nikki McCarthy takes us on a tour of a recently renovated home with tips on how to plan and manage your renovation.