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    3 year fixed rate

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    If you’re looking for a great rate, look no further with our low 2 and 3 year Fixed Rate home loans

    1. There’s a lot to plan for whether you’re buying your first home, switching your current loan or thinking about your next loan. 

      Take some stress out of the picture with our two and three year fixed rates.

      RAMS 2 and 3 Year Fixed Rates, Owner Occupied, Principal & Interest:

      Loan Fixed interest rate  Comparison rate* 
      2 Year Fixed Rate (Owner Occupied,
      Principal and Interest)
      2.99% p.a. 4.73%
      3 Year Fixed Rate (Owner Occupied, 
      Principal and interest)
      2.99% p.a. 4.58%

      As well as a great rate, you’ll get the assurance of our local RAMS Home Loan Specialists’ years of experience, one less thing for you to have to worry about.

      Contact RAMS today.

  • 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
  • More information:

    Credit criteria, fees and charges apply. RAMS home loans are not available for foreign borrowers residing outside Australia.

    We will apply the fixed rate that is available at the loan settlement date or the date the fixed rate period commences, unless you lock a fixed rate in on the loan using our Fixed Rate Lock-in feature and you settle your loan within 90 days from your loan application date. 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 interest rate.

    *The comparison rate is based on a loan of $150,000 for 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.