• Walk like a Ram
    into your first home

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    Saving can be hard while you’re paying rent. That’s why we may consider your rental history1 as proof of savings, to help you get into your own home sooner.

    1. Taking your rental history1 into account is just one of the ways RAMS helps first home buyers into their own homes. We understand that the process can be daunting, that’s why you’ll have your own local RAMS Home Loan Specialist by your side, every step of the way.

      Armed with knowledge of your local area, a network of partners ready to help and the expertise to help with the home loan application process and in completing any government grants you may be eligible for, you can be sure that you're in great hands. You’ll even get a mobile number rather than dealing with a call centre.

      Reach out to your local RAMS Home Loan Specialist to start the conversation and plan your way into your own home.

       

       

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

      1Depending on the Loan to Valuation Ratio (LVR) of your application, you need to demonstrate either 6 or 12 months’ satisfactory rental history through receipts for private rentals or a letter from the licensed property manager/agent and your weekly rental payment must exceed 40% of your new weekly loan repayment

  • 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