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Next home buyers

We can help you make your next move with flexible home loan options to suit your needs.

What can we help you with today?

How RAMS helps next home buyers

Whether you’re upsizing, downsizing, or looking for a change of scenery, buying your next home is an exciting time. At RAMS, home loans are what we do so you are in safe hands with your local home loan specialist by your side. We can help make your next move.

Here you’ll find calculators, tools and tips to help you buy your next home. Your own home loan specialist will answer your questions and guide you through the home loan process.

When thinking about moving or buying, you will have some decisions to make.

First work out what you can afford

RAMS home loan 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.

Investigate all your options

Upsizing? Downsizing? Buying a second home? Do you want to keep, sell or renovate? Do you want to rent out your current home?

Planning your finances

Should you sell before you buy? We’ll offer helpful tips on ways to finance your next home, help you get financial statements together, and provide support when you need it.


Choose from our range of flexible home loans with expert support along the way.

Home loans for next home buyers

*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 next home buyers

The rise of rentvesting

It’s getting harder and harder for young home buyers to get into the market – could rentvesting be the answer?

Read more
The suburbs where home prices have increased most over the past 10 years.

The dip in home prices experienced in 2022 pales in comparison to the surge experienced during the pandemic when interest rates hit record lows. 

Read more
The features buyers and renters are looking for in a property in 2023

Property searches with keywords can identify which current trends property seekers are looking for in a property.

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 buying your next home, including the application process or eligibility criteria, our experienced home loan specialists will be very happy to answer them.


**Essential Home Loan Promotional Rate: This offer is only available for new Owner Occupier Essential Home Loan applications with Principal and Interest repayments received 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.

#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.

^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.