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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.