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Investment property home loans

Whether you’re new to residential property investment or you’re a seasoned pro, RAMS can help you.

What can we help you with today?

How RAMS helps property investors

Choose the right location for your investment property and look for a property that has strong tenancy demand and owner occupier appeal. It’s a good idea to get home loan pre approval so you know your borrowing power before you start looking for your investment property. Organise your insurances; and understand investment property tax deductions, which can often be the difference between a negative cash flow and a positive one.

Key benefits


Choose from our range of investment property home loans. Fixed or variable rates, flexible features, and up to 10 years interest only repayments

Helpful resources

Get information and tips. Including a free +Residex property report to help you make a more informed choice about your first investment property.

Smooth pre-approval process

We take care of the pre-approval for you, so you can devote more time to finding the right investment property.

We're local

We’re locally based residential home loan specialists. Your RAMS Home Loan Specialist knows the neighbourhood and is part of the community.

Personal support

Your RAMS Home Loan Specialist will be your dedicated go-to person from start to finish.


We understand the mortgage needs of property investors. Whether you’re a first timer, or already a savvy investor, we can help.

Home loans for investors

*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 the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Home loan calculators

Use our home loan calculators to estimate your mortgage repayments, upfront costs, and how much you could borrow – whether you’re looking for your first loan or refinancing an existing one.

How much could I borrow calculator
How much could my repayments be calculator
What are the upfront and ongoing costs calculator

Speak to a home loan specialist

Blogs and videos for investors

Hottest investor suburbs to watch in 2024

Investors looking to buy property in the new year have received a helping hand from a panel of property experts amid a hand-selected list of 100 suburbs set to outperform in 2024.

Read more
The state where investors are flocking

The number of investor loans has risen over recent months; however, one state is attracting more investors than others.

Read more
The ins and outs of negative gearing.

What does this property buzzword mean and how does it actually work?

Read more

A RAMS Home Loan Specialist makes a difference

The right home loan for you

A RAMS home loan specialist will find the right home loan to suit you and your stage of life.

Smooth process

Our home loan specialists take the ‘hard’ out of the process for you. They’ll come to you, at a time and place that suits you and sort out approval in days, not weeks, wherever possible.

Personal service

You’ll have a dedicated home loan specialist from start to finish, so you’ll only have to tell your story once.  You’ll also have their mobile number, so whatever arises, you can get things sorted.

We can help

If you have any questions about a property investment home loan including the application process or eligibility criteria, our experienced home loan specialists will be very happy to answer them.


New loans only. Credit criteria, fees and charges apply.

#Value Advantage Package Conditions apply and are available at Available for customers with total RAMS borrowings of $150,000 or more. No discounts apply where total customer borrowings is less than $150,000, and no interest rate discounts apply to an eligible loan while the interest rate is fixed. Total Customer Borrowings is calculated as the total credit limit for each existing RAMS home loan and any new RAMS home loan being applied for; however the discount only applies to the new eligible loan. There is no limit on the number of new eligible variable rate loans within a RAMS Value Advantage Package that can receive an interest rate discount. Annual fee, currently $149, applies. Unless we tell you otherwise, Package benefits cannot be taken in conjunction with, or in addition to other special offers, negotiated rates or discounts.

**Essential Home Loan Promotional Rate: This offer is only available for new Investment Essential Home Loan applications with Principal and Interest repayments received from  from 5 July 2023. Discount applies to our Essential Home Loan offer for the life of the loan. This offer may be varied or withdrawn at any time. Interest rates subject to change.

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

^From 27 November 2023, new, replacement and reissued cards will no longer feature the Maestro or Cirrus logos and you won’t be able to use your RAMS debit card overseas.