• Things change; like interest rates, income, lifestyle, living expenses. So why shouldn’t your home loan?

  • How RAMS helps with refinancing

    Unlock equity in your current property to fund a range of purposes or purchases subject to serviceability

    Potentially save money with reduced repayments or a shortened loan term

    Consolidate several debts into a single repayment (potentially at a lower rate)^.

    Whatever the property market is doing it makes sense to review your home loan from time to time.  After all, a new loan structure could offer greater flexibility or features that better suit your current needs; not to mention reduced repayments if your interest rate is lower than what you had previously.

  • Refinancing your home loan - owner occupier

    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
    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)  
    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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    How much could my repayments be?

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

    Total payable

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    Total interest saved

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    What are the upfront & ongoing costs?


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    Your estimated repayments would be

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    Cost breakdown upfront costs

    Government fees

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    RAMS fees

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    Cost breakdown ongoing costs


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    RAMS fees

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  • Blogs and videos for Refinancers

    Gone are the days where home buyers stayed with their original lender; the market is too competitive...
    Traditionally, people have stayed with the same lender for the life of their loan but now an increas...
    There comes a time in almost every family’s life when they are faced with the question - 'Should we ...
    Video - Should you refinance - Graeme Plenderleith
    Graeme Plenderleith explains how RAMS can help you refinance your home loan.
    Video - renovating for profit - Cameron Frazer
    Useful tips on renovating for profit for first time renovators with architect Cameron Frazer.
    Video - how an offset account could lower your home loan payments
    Offset accounts are transaction accounts linked to your home loans which can help to reduce the amount of interest that you pay on your home loan

    *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.

  • ^Consolidating your short term debt into your home loan may extend the loan term of the short term debt and could result in more interest payments over the loan term. You should obtain independent professional advice relevant to your financial circumstances.