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Home loans are what we do.

If there's a way to get you into a new home, we'll find it.

What can we help you with today?

RAMS Home Loan Offers

At RAMS, eligible home buyers and refinancers only need a 5% deposit.

T&Cs, exclusion and credit criteria apply.

Talk to us about financing your new home build

Talk to us about financing your new home build

Credit criteria, fees and charges apply.

RAMS have a range of offers and promotions that could help you into your home sooner

Find out about all RAMS Home loans offers and rates.

RAMS has a range of offers that could help you into your home.

Our home loan options

All home loans

A comprehensive overview of all our available home loans.

Compare home loans

Select up to three home loans to compare features and benefits.

Existing customers

Home loan options, blogs and videos for our existing customers.

Find your local RAMS Home Loan Centre

Home loan calculators

Whether buying a new home, refinancing an existing home loan or investing in property, RAMS mortgage calculators can give you an estimate of what your repayments could be. These estimates are indicative only and actual costs and the amount you could borrow may vary based on a number of factors including loan purpose. Before acting on the results of this calculator you should seek professional advice and contact your local RAMS Home Loan Specialist who can help guide you through this process.

How much could I borrow calculator

Why choose RAMS?

At RAMS, we focus primarily on home loans. We understand the challenges that come with buying a home better than anyone – and more importantly, how to navigate them successfully.

Our RAMS Home Loan Specialists pride themselves on supporting you through every step of the process. This means listening to your individual needs, working around your schedule and delivering all the local market knowledge, professional advice and moral support you need to get you into your new home sooner.

Discover the difference a true home loan specialist can make.  Find out more.

Knowledge Centre - latest blogs and videos

Epic dream homes and budget buys top list of Australia's most popular properties

The cost-of-living crisis hasn’t stopped Australians from dreaming about living in the most luxurious and expensive homes on the market

Read more
Regions where home prices are up 20% over the past year 

Home prices are growing strongly again after a slowdown in recent months. In some regions, prices are more than 20% higher than a year ago.

Read more
New data unveils the tightest held suburbs and those with the fastest turnover

There are some suburbs where property owners have put down roots and never want to leave.

Read more

Information for RAMS existing customers

Existing customers

Find out how you can manage your accounts and discover some of the features and options  available on your home loan.


Manage your home loan, savings and everyday accounts online with myRAMS.

Customers in need of extra care

We know our customers may need support in different ways, at different times in their lives. Here is how we can help if you.


Forms, fact sheets, terms and conditions, fees and charges information.

Awards and community support

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