- Home loans up to $500,000
- Low-interest starting from 3.59%
- Repayment up to 30 years
[Accessed May 3, 2023]
RAMS - flexible home loans
They offer their clients a low-rate home loan that is flexible and it has all the features you may be looking for, it also comes with a 100 % offset account which is a great option should you be looking for your first home or even an investment.
The low-rate loan comes with an interest-only period of up to ten years on a loan for investment purposes or five years for owner-occupier loans. This loan offers you a competitive rate and a range of features.
Some benefits of this loan
- Helpful resources – They offer a useful checklist, and you can call on their experts plus there is a calculator that can assist you in making your first home purchase as straightforward as possible
- Choice – They have a range of flexible home loans, there’s one that’s certain to fit your requirements
- Keeping it real - They have efficient decision-making from a smaller, more nimble home loan specialist.
Their loans have many benefits
Purchasing your first home can be unnerving. Then there are questions like how much you can borrow and what the mortgage processes are. Because this will arguably be your biggest investment!
But with Rams not only will you get unbiased answers to these questions, but you will receive personable service too.
Fixed-rate - benefits
- This is ideal for first-home buyers and investors
- You are able to select from a wide range of fixed-rate periods between one and ten years and 10-year periods.
- Down payment of up to an added $30,000 for the period of the fixed rate, without suffering fixed rate break costs.
- There is also the possibility of redrawing any extra repayments that you have deposited to assist you to deal with life’s little emergencies/disasters as an emergency loan facility (a minimum of $1,000 is required, and please note that conditions and fees apply, which are subjected to RAMS’ approval)
RAMS – Home loan
- Loan Type Home loans
- Interest Rate 3.59 – 5.41% p/a
- Loan Amount up to $500,000
- Repayment 5 years to 30 years
Benefits of RAMS
- Flexible home loan features and options
- No monthly fees
- Choose between home loan options
RAMS – Full feature home loan
They offer their clients a Low Rate Home Loan that is flexible and it has all the features you may be looking for, it also comes with a 100 % offset account which is a great option should you be looking for your first home or even an investment.
The Low Rate Loan comes with an interest-only period of up to ten years on a loan for investment purposes or five years for owner-occupier loans. This loan offers you a competitive rate and a range of features.
Value advantage package
There is a range of home loans that RAMS offers and that are suitable to include in the Value Advantage Package such as the Full Feature Home Loan, Line of Credit Home Loan, Self-Employed Home Loan, Fixed Rate Home Loan, flexible or line of credit facilities, plus the RAMS Value Advantage Package includes interest rate discounts and the waiving of certain fees that are associated with your choice of home loan.
The line of credit home loan
If you need some extra cash or perhaps you would like to do some renovations in your home, you can think about unlocking the equity you’ve built up in your home. With a debit card in place, you are able to access your funds like you would your regular savings account. You can choose to pay it off sooner should your situation change and you no longer need to access the funds. The repayments are flexible and you can pay them with ease, you don’t need to make regular repayments because they are so flexible. This essentially offers homeowners a way to get a quick loan without having to worry about expensive fees.
Fixed-rate home loan
They offer a Fixed Rate Home Loan that comes with a set of fixed-rate periods that range from one to ten years. The LVR maximum is at 95 % and the amount you can borrow is a minimum of $15 000. Within the fixed-rate period, you may deposit up to $30,000. The fixed-rate loan also comes with a redraw and loan splitting option plus other various flexible features that include: a value advantage package to help you save money, a construction and lifestyle option and a deposit bond to help you arrange deposits without having to touch upon your savings.
Full-feature home loan
The Rams Feature Home Loan is suitable for the first-time home buyer and offers many great features such as owner-occupier and refinancers. You could reduce your loans faster and have easy access to your redraw facility by depositing your salary into your mortgage this includes 25 free transactions monthly with your cheque, debit card or ATM.
Self-employed home loans
For the self-employed RAMS offers specialist home loans, the option of flexible, fixed-rate or line of credit loans, depending on your online loan application process or circumstances.
Investor home loan
This is a good loan for those who want to invest. They offer a fixed and flexible rate home for investors. You can borrow up to 90 % and then benefit from their competitive investment home loan interest rate.
Home loan calculators
RAMS mortgage calculators can give you an estimation of what your repayments could be, but it’ll be based on what amount you have in mind or the amount that has been approved, the loan type as well as the interest rate you think you’ll need to pay. It doesn’t matter if you’re buying your first home if you’re refinancing an existing home loan or maybe you’re investing in property. Once you have some sort of clue of the amount is, and take the rest of your budget into consideration, you’ll more or less know if you have the affordability and be in possession to purchase your own home.
You can view all their calculators or you could find a RAMS nearest to you and their Expert Consultants will advise you on any queries or questions you may have.
RAMS is a trusted & reliable provider of home loans
In our review, RAMS adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.
✅ RAMS is a registered credit provider in Australia: ACL 233714
Customer Reviews & Testimonials
If you are looking for low rates and good service, RAMS is what you need.
— Gold Coast —
They really do offer a straight forward online application that is a minimal fuss. Give them a try!
— Townsville —
RAMS has lived up to every one of my expectations and they have delivered on their promises to me. I highly recommend them!
— Sydney —
Buying a home is expensive therefore, it was important for us to broker our home loan with a low-interest rate and affordable fees, we found that in RAMS.
— Canberra —
- not available
- 34/26A Lime St Sydney NSW 2000 Australia
- Get Directions
- RAMS Privacy Officer, Locked Bag 5001, Concord West, 2138, Australia
- Monday 09:00 – 17:00
- Tuesday 09:00 – 17:00
- Wednesday 09:00 – 17:00
- Thursday 09:00 – 17:00
- Friday 09:00 – 17:00
- Saturday – Closed
- Sunday – Closed