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

    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 Owner Occupier fixed rates.

    RAMS 2 and 3 Year Fixed Rates, Owner Occupier, Principal & Interest on the Value Advantage Package (VAP):

    Loan Fixed interest rate Comparison rate*
    2 Year Fixed Rate (Owner Occupier,
    Principal and Interest)
    2.99% p.a. 3.86%
    3 Year Fixed Rate (Owner Occupier, 
    Principal and Interest)
    2.99% p.a. 3.82%

    $375 Annual Package Fee applies

    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
  • The RAMS six point difference

    We know how busy life can get, so to make it easy we'll meet you at a time and place that best suits your schedule.

    You'll get your RAMS Home Loan Specialist's mobile number, so you can easily reach them without using our call centre.

    At our first meeting, we'll learn about your individual circumstances and then clearly outline the steps to getting a home loan.

    And because no one likes repeating themselves, you'll only need to relay your personal information and situation once.

    We'll then tailor a solution to suit your specific needs, using everything we've learnt to ensure you get the right loan.

    Your local RAMS Home Loan Specialist can even help you with handy contacts, such as solicitors and building inspectors.

  •  

    SE award 3 years running jpg   Kids Cancer Project logo  

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

    RAMS proudly supports
    The Kids' Cancer Project

     

     

  • 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 and the Value Advantage Package discount will apply to that 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.