5% deposit. Yes please.
Home loans are what we do.
What can we help you with today?
Disclaimer: 5% deposit can be offered to owner occupier, principal and interest customers who are purchasing or refinancing. It can include the borrowing amount for LMI. Excludes Line of Credit, equity release and debt consolidation.
Choose a loan option to suit you
First home buyers
Explore home loans suitable for first home buyers.
Investors
Ready to invest in property? Our loan options for investors include the option of interest-only repayments for up to 10 years^
Refinancing
Find out how you could benefit from refinancing – potentially saving money, reducing repayments or unlocking equity in your home.
Construction
Make building or renovating your home achievable with the Construction option added to your RAMS Home Loan
Flexible Features
Our loans work around you, with flexible features designed to help everyone from self-employed to first-home buyers.
Existing customers
Log into MyRAMS to manage your home loan or read informative articles and advice from our RAMS home loan specialists (not available to company or trust borrowers).
Our latest home loan offers
Construction
Talk to use about financing your new home build.
Credit criteria, fees and charges apply.
Essential home loan
We understand that things can get overwhelming on your home loan journey, which is why we’ve created the RAMS Essential Home Loan.
LMI waived for eligible nurses and midwives
Registered nurses and midwives provide an incredible service to our communities, so we’re waiving Lenders Mortgage Insurance (LMI) for those with a 10% deposit.
Our home loan calculators
Use our home loan calculators to estimate your mortgage repayments, upfront costs, and how much you could borrow – whether you’re looking for your first loan or refinancing an existing one.
RAMS Home Loans
Essential Home Loan
A no-frills variable interest rate home loan suitable for first home buyers or investors, with the flexibility to make extra repayments or redraw whenever you need.
Fixed Rate Classic Home Loan
A simple fixed-rate home loan the gives you the certainty of set repayment amounts, with the ability to redraw, or make lump sum repayments (up to $30K over the fixed term) without break costs.
Full Feature Home Loan
Flexibility with an offset account, parental leave option, easy redraw and the potential to save with our Value Advantage Package.*
Line of Credit
With a line of credit, you could access the equity that has built up in your home loan to a pre-approved credit limit, and only pay interest on the amount you’ve accessed.
Fixed Rate Home Loan (Packaged)
Get the certainty of regular loan repayment amounts over a fixed term, while saving on fees by taking up a Value Advantage Package.
RAMS Home Loan Features
An aid to help you understand the advantages and disadvantages of the main features of a home loan in order to assist you with choosing a loan that is suitable for your needs.
RAMS Home loans rates and features (Owner Occupier)
*Please note: The comparison rate for the relevant product is based on a loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
RAMS Home loans rates and features (Investor)
*Please note: The comparison rate for the relevant product is based on a loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Knowledge Centre
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 more
#Value Advantage Package Conditions apply and are available at RAMS.com.au. Available for customers with total RAMS borrowings of $150,000 or more. No discounts apply where total customer borrowings is less than $150,000, and no interest rate discounts apply to an eligible loan while the interest rate is fixed. Total Customer Borrowings is calculated as the total credit limit for each existing RAMS home loan and any new RAMS home loan being applied for; however the discount only applies to the new eligible loan. There is no limit on the number of new eligible variable rate loans within a RAMS Value Advantage Package that can receive an interest rate discount. Annual fee, currently $149, applies. Unless we tell you otherwise, Package benefits cannot be taken in conjunction with, or in addition to other special offers, negotiated rates or discounts.
^ Maximum LVR of up to 90% on purchase price (or valuation if lower) for loans with principal and interest (P&I) repayments. Maximum LVR of up to 80% on purchase price (or valuation if lower) for loans with interest only (IO) repayments and all construction loans. Funds to cover transaction costs required.
10 year IO option available for investment purposes only.