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    RAMS 2 Year Fixed Rate Home Loan (Owner Occupier) 4.14% p.a./5.22% p.a. comparison rate*

    1. Buying your first home? Take a break from the stress of watching interest rates by fixing yours for 2 years at RAMS’ low rate of just 4.14%.

    2. As well as a great home loan deal, you’ll also benefit from the local market knowledge and expertise of your own dedicated RAMS Home Loan Specialist.

    3. Your RAMS Home Loan Specialist will not only understand your individual situation, but always be contactable via their mobile (rather than a call centre), and advise you step by step the whole way.

      Disclaimer:  Credit criteria, fees and charges apply. *Up to 95% LVR on purchase price or valuation (if lower) and only available for full doc owner occupier borrowers making principal and interest repayments. If LVR > 85%, evidence of 5% genuine savings required.  Funds to cover transaction and establishment costs and lenders's mortgage insurance required.

  • The RAMS 6 point difference

    1. 1. Your first meeting won’t be a sales pitch. It starts with us listening and understanding your goals and unique situation.

    2. 2. From our very first contact you will have your RAMS home loan specialist’s mobile number who will be your main point of contact right through until settlement and beyond.

    3. 3. From the start, your dedicated RAMS home loan specialist will know your story , your ambitions and your needs. So you’ll only ever need to have that first long conversation once.

    4. 4. You won't be offered a home loan that doesn’t suit your needs.

    5. 5. You’ll have access to the RAMS local network of contacts to help as you progress to purchase.

    6. 6. Your dedicated RAMS home loan specialist will be available for advice and help whenever you need on your home buying journey.

  • Hear what our customers have to say

    • Testimonial image 3

      I wanted to take the opportunity to thank the RAMS team for their support and the effort they put into pulling our loans together. They always deliver a high level of customer service and are quick and efficient to work through any problems and questions that arise during the loan application process.

      Bryan Leeming
    • Testimonial image 2
      The team at RAMS were great, they explained all aspects of refinancing our home loan and were very responsive to all of our enquiries. Unlike other experiences with financial brokers or dealing with the other major banks, RAMS were helpful in assisting to complete documentation and realistic in managing our expectations.
      Phil Ulrich
    • Testimonial image 1
      I found applying for a mortgage a very nervous experience. I spoke to a friend about this and was recommended to contact Fiona at RAMS. I'm so glad I did. Fiona made the whole experience a calm process by guiding, explaining and offering me her expertise in all matters relating to a home loan, which made it less stressful.
      Anne Corcoran
     
  • Note: If you want to make prepayments greater than the maximum amount specified by RAMS, you may be required to pay break costs, which can be considerable. If interest rates drop while your interest rate is fixed, you will not receive the benefit of the reduced rates.

    Disclaimer:

    Credit criteria, fees and charges apply. We will apply the fixed rate that is available at the loan settlement date or the date the fixed rate period commences, unless the customer locks a fixed rate in on the loan using our Fixed Rate Lock-in feature (conditions apply). The Fixed Rate Lock-in fee is 0.15% of the fixed loan amount. At the end of the fixed rate period the interest rate will convert to the applicable variable home loan rate.  *The comparison rate is based on a secured 2 Year Fixed Rate home 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.