RAMS Home Loan

If you are buying your first home, refinancing, self-employed or purchasing an investment property - there's a RAMS home loan to suit you.

RAMS offers flexible and innovative solutions to suit a wide range of home loan needs. How can we help you?
Search per Channel

* I'm buying my first home
* I'm self-employed
* I'm refinancing or looking for a better deal
* I'm investing in property

Search per Type of Product

* Pro Packs
* Low Doc
* No Deposit / Limited Deposit
* Investment
* Transactional / All-in-one
* Line of Credit
* Fixed Rates
* Honeymoon / Introductory rates
* Standard



RAMS Home Loans Range:

* RAMS Limited Deposit – No need to save a full deposit
* RAMS Fast Track – Buy your first home sooner and save on mortgage insurance
* RAMS Fixed Rate - Protect against rising interest rates
* RAMS Easy Start – Enjoy a 3 year home loan honeymoon
* RAMS Rate Relief - A low introductory rate for the first 2 years
* RAMS Basic – The no fuss, low rate home loan with no account keeping fee
* RAMS IO Maximiser – A low rate home loan designed for property investors
* RAMS Line of Credit – Easy access to home equity
* RAMS SmartWay – The “smarter” all-in-one home loan
* RAMS SmartWay Pro Pack – An all-in-one home loan with preferential rates
* RAMS Line of Credit Pro Pack – Access to home equity at preferential rates
* RAMS Fixed Rate Pro Pack - Repayment certainty for larger loans
* RAMS Standard Variable – A standard home loan with free redraw
* RAMS Fixed Rate Low Doc - Repayment certainty and simplified paperwork for the self-employed
* RAMS Low Doc 500 Plus – A preferential rate and low paperwork for the
self-employed
* RAMS SmartWay Low Doc – Low paperwork and smarter money management for the self-employed
* RAMS Line of Credit Low Doc – Convenient access to equity and low paperwork for the self-employed
* RAMS SE Pro Pack – Discounted rates and low paperwork for the self-employed with larger loans
* RAMS Line of Credit SE Pro Pack - Access to home equity at preferential rates, for the self-employed with larger loans
* RAMS Fixed Rate SE Pro Pack - Low paperwork and repayment certainty for the self-employed with larger loans
* RAMS SE Pro Pack 80 - A discounted rate home loan for self-employed clients with total RAMS borrowings of $100,000 or more who wish to borrow up to 80%