We can help you make your next move with flexible home loan options to suit your needs.
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.
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.
Upsizing? Downsizing? Buying a second home? Do you want to keep, sell or renovate? Do you want to rent out your current home?
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.
*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.
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.
There’s the ‘interest rate’ and the ‘comparison rate’. The comparison rate is usually a little bit higher than the interest rate.Read more
Loan to Value ratio is an important calculation when it comes to your home loan. It’s the calculation of the amount of your home loan relative to the bank valuation of the property you are looking at purchasing.Read more
A RAMS home loan specialist will find the right home loan to suit you and your stage of life.
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.
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.
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 RAMS.com.au. 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.