• Because working for yourself shouldn’t make getting a home loan harder

  • How RAMS helps the self-employed 

    • An application process with less paperwork, less hassle than you’d expect
    • Borrow up to 80% of the purchase price (funds to cover transaction costs also required) – for owner occupiers or investors 
    • We can  talk to you 7 days a week to discuss your needs. 

    Being self-employed can mean fluctuations in your income. We understand.  

    It can also mean you spend more time looking after customers and perhaps less time maintaining paperwork. We appreciate this reality too. 

    So if you’re self-employed and in the market for a home loan, we’ve got several home loans for the self-employed that don’t require the usual financial statements or tax returns.

  • Home loans for the self-employed - owner occupier (principal and interest)

    Self-employed fixed rate - benefits
    • Ideal for self-employed
    • Simple application process – we make it easy for the self-employed
    • Wide range of fixed rate periods – 1, 2, 3, 4, 5 and 10 year period
    • Borrow up to 80% of your property value and pay no mortgage insurance
    • Deposit up to an additional $30,000 during the fixed rate period
    • Redraw your additional repayments when you need it.
    Self-employed - benefits
    • Ideal for self-employed
    • Redraw with no minimums and no redraw fee
    • Discounted interest rate for LVR’s < or = 70%
    • Simple application process – we make it easy for the self-employed
    • Borrow up to 80% of your property value and pay no mortgage insurance
    • Plus you could save on fees and receive a discounted variable interest rate with our Value Advantage Package - conditions apply.
    Self-employed line of credit - benefits
    • Ideal for Self-employed
    • Simple application process – we make it easy for the self-employed
    • No regular repayment required if under your credit limit
    • Interest charged only on the outstanding loan balance
    • Borrow up to 80% of your property value and pay no mortgage insurance

     

     
  • 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.

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  • Blogs and videos for self-employed

    Getting a home loan when you’re self employed can be tricky, especially with all the documentation t...
    Preparation is key to helping you achieve a successful home loan application. Here are 8 ways to hel...
    Buying your first home? There are few things to tick off your to-do list before the property is all ...
    Video - what is a self-employed home loan?

    Self Employed Home Loans allow the self-employed or investors to apply with less paperwork than a standard home loan, getting you in your home quicker.

    Video - finding the right suburb - Andrew Wilson
    Tips for finding the right suburb to buy your home in, with housing market expert Dr Andrew Wilson.
    Video - the home loan process - Stephen Villios
    Understanding the home loan process and commonly asked first home buyer questions.
  • 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.