• No more back and forth with our
    Fixed Rate Classic Home Loan.

    Lock in your repayments with a RAMS Fixed Rate Classic Home Loan, a basic home loan without all the extras. 

    Buying your first home, next home or refinancing your existing loan can be challenging at the best of times. 

    Our Fixed Rate Classic Home Loan allows some peace of mind, so you can worry less about your repayments by fixing part or all of your loan amount with our 1, 2, 3, 4, 5 and 10 year options. 


    RAMS Fixed Rate Classic Home Loan Rates, Owner Occupier and Principal & Interest

    Loan Fixed interest rate Comparison rate*
    1 Year Fixed Rate (Owner Occupier,
    Principal and Interest)
    2.49% p.a. 2.51% p.a.
    2 Year Fixed Rate (Owner Occupier,
    Principal and Interest)
    2.69% p.a. 2.56% p.a.
    3 Year Fixed Rate (Owner Occupier, 
    Principal and Interest)
    3.14% p.a. 2.70% p.a.
    4 Year Fixed Rate (Owner Occupier,
    Principal and Interest)
    3.44% p.a. 2.86% p.a.

    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.

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  • What our customers have to say

    • As a first home buyer, applying for a home loan seemed pretty scary and quite full on. But applying with RAMS was the best part.

      Jeni Beattie from RAMS Brisbane South East & Bayside walked us through the process step by step, and made the whole process seem so easy, and much less daunting. Without Jeni we probably would still be stuck at the beginning trying to find a way into buying our first home. 

      For other young couples wanting to buy their first home, I would definitely recommend going through RAMS.

      Vennessa Churchward
    • Amanda and the RAMS Redlands team were brilliant. We had such a fantastic experience for the purchase of our first home. Amanda and Bianca went above and beyond, answering the millions questions we had with kindness and patience. Amanda was also full of knowledge and she genuinely cared about helping us have the best experience possible.

      RAMS are efficient and quick, from the start of our application to progress payments to the builder. We will definitely recommend RAMS to any family and friends in the future.

      Tiffany Aukuso and Casey Wright
    • I approached RAMS after speaking to a few different lenders. I found their response from the initial email was quick, and followed up with a phone call to go through my situation. 

      Being a first home buyer I was very green to the process and Mark helped me every step of the way. Mark always kept me well informed, I found my experience to be a lot easier than I thought it would be. I would highly recommend RAMS in Castle Hill to anyone

      Les Sutherland

    SE award 4 years running jpg   Kids Cancer Project logo  

    RAMS proud winner of Best Self-Employed Lender
    for four years running in the 
    2017, 2018, 2019 and 2020 Australian Lending Awards.


    RAMS proudly supports
    The Kids' Cancer Project



  • More information:

    Credit criteria, fees and charges apply. These rates are current as at 21 January 2022 and are available to new customers and existing variable rate customers looking to fix all or part of their loans.  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.  This offer may be varied or withdrawn at any time.

    *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.