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.
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.
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.
Why choose RAMS?
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
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
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
There are some suburbs where property owners have put down roots and never want to leave.
Read moreInformation 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.
myRAMS
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.
Resources
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
