• 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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    $
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    $

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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?

    $
    years
    % p.a.
    years

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

    ${{ data.loans[0].calculators.initial.initialRepaymentByPeriodTotal | number:2}} a

    over {{ data.loans[0].loanPeriod.initial }} years

    Interest only repayments in the first {{ data.loans[0].loanPeriod.interestOnly }} years

    ${{ data.loans[0].calculators.initial.initialInterestOnlyRepaymentByPeriodTotal | number:2}} a

    and, principal and interest repayments for the remainder of the life of the loan

    ${{ data.loans[0].calculators.initial.initialRepaymentByPeriodTotal | number:2}} a

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

    You would save

    You would pay an extra

    ${{data.loans[0].calculators.compare.saving.amount | number:2}}

    in interest over the life of the loan

    $ {{ data.loans[0].calculators.initial.initialInterestOnlyRepaymentByPeriodTotal | number:2}}

    $ {{ data.loans[0].calculators.initial.initialRepaymentByPeriodTotal | number:2}}

    Total payable

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

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

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

    $ {{ data.loans[0].calculators.compare.comparisonInterestOnlyRepaymentByPeriodTotal | number:2}}

    $ {{ data.loans[0].calculators.compare.comparisonRepaymentByPeriodTotal | number:2}}

    Total payable

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

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

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


    What are the upfront & ongoing costs?

    $
    $

    Your estimated upfront costs would be

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

    Your estimated repayments would be

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

    and your estimated ongoing costs (excluding repayments) would be

    ${{ data.loans[0].calculators.ongoingCosts.totalOngoingCosts | number:0 }} per month

    Cost breakdown upfront costs

    Government fees

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

    $ {{ 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

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

    These figures take effect from 1 July 2017. Stamp duty for properties between $600,000 to $750,000 are only indicative values until more details are released.




    RAMS fees

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    Lender's Mortgage Insurance

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




    Other upfront costs to consider

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

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

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

    Cost breakdown ongoing costs

    Repayments

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

    a {{ data.loans[0].loanPeriod.initial }} year term at an interest rate of {{ data.loans[0].interestRate.ongoing.percent }} % p.a.




    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...
    Investors should pay a bit more and get the ‘right’ investment property. 5 traps for property invest...
    First home buyers -  Here are our 6 home buying tips to help you secure your first home
    Useful tips on what to look for in an investment property for first time investors.
    How to ensure you get the right investor loan with RAMS home loan expert Stephen Villios.
    Learn how to add value to your property with buyer's advocate, Frank Valentic.
  • 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