• Whether first time or a seasoned pro, RAMS can help you build that residential investment property portfolio

  • How RAMS helps investors

    Get up to 10 years interest only repayments

    Access one FREE Residex1 property report – as part of the free First time Investor Pack – to help make a more informed choice about where to invest (only available through participating franchisees).

    Building wealth through property investment could be one way to achieve your financial goals. But it requires careful planning and regular monitoring.

     
  • Home Loans for investors (principal and interest)

    Fixed rate - benefits
    • Ideal for first home buyers and investors
    • Select from a wide range of fixed rate periods – 1, 2, 3, 4, 5 and 10 year  periods
    • Deposit up to an additional $30,000 during the fixed rate period without incurring fixed rate break costs  
    • Redraw any additional repayments to better help deal with life’s little emergencies ($1,000 minimum, conditions and fees apply, and subject to RAMS’ approval)  
    Low rate - benefits
    • Ideal for first home buyers, owner occupiers
    • A low variable Rate with no monthly fees available to both owner occupiers and investors
    • The option of Interest Only repayment for up to 10 years for loans for investment purpose or up to 5 years for owner occupied loans
    • Gives you the flexibility to make extra repayments on your loan
    Full feature - benefits
    • Potential to save on fees and discounted interest rate with our Value Advantage Package (conditions apply).
    • Ideal for owner-occupiers, first home buyers, refinancers
    • Save money by depositing your salary into the 100% offset transaction account. 
    • Easy access to redraw on your home loan with debit card, ATM or cheque account – get 25 free transactions per month 
  • Home loan calculators

    Whether buying a new home, refinancing an existing home loan or investing in property, RAMS mortgage calculators can give you an estimate of what your repayments could be, based on your home loan amount, your loan type and the interest rate you think you'll be paying.  Once you get an idea of your mortgage repayments from the calculator, together with the rest of your budget, you'll start to see whether you can realistically afford the home you want to buy.  Your local RAMS franchisee can also help guide you through this process.  View all of our calculators.

  • How much could I borrow?

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    Call us on 13 RAMS, thats 13 7267 about your situation to find the best solution for you.

    How much could my repayments be?

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    years
    % p.a.

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    Call us on 13 RAMS, thats 13 7267 about your situation to find the best solution for you.

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

    Total payable

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

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

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    Total payable

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

    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.transfer | number : 0}}

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

    $ {{ 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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    $ {{ data.loans[0].calculators.upfrontCosts.conveyancingFee.value | number: 0 }}

    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.council.value | number: 0 }} /month

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

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

  • Blogs and videos for Investors

    Young buyers often consider buying an investment property first, rather than a home to live in. Weig...
    Australia is seen as a strong property market by overseas investors. Is now a good time for buying a...
    An important objective for first home buyers is to build capital growth by focusing on what is calle...
    Video - where to invest - Andrew Wilson
    Tips for first time investors with housing market expert Dr Andrew Wilson.
    Video - Tips for property investors - Cameron Frazer
    Useful tips on what to look for in an investment property for first time investors.
    Video - Get the right investment loan - Stephen Villios
    How to ensure you get the right investor loan with RAMS home loan expert Stephen Villios.
  • DISCLAIMER:

    *Please note: The comparison rate for the relevant product is based on a loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

  • 1RAMS, its franchisees or employees do not accept responsibility for the accuracy of any reports provided by Residex Pty Ltd