RAMS Basic Loan

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RAMS Home Loans

Home loan specialist RAMS has built a strong reputation for its innovative and flexible home loans. Over the past 12 years, RAMS Home Loans has helped tens of thousands of Australian home loan customers. RAMS Home Loans aims to provide home loan solutions to meet many different needs, including low deposit loans, no deposit loans, low doc loans, line of credit loans and low rate loans.

              
  RAMS
   
 

Customer ratingsclick to open

    RAMS Basic Loan
Overall Customer Rating 5.7BASED ON
21 REVIEWS
Price Rating 6.0
Features Rating 5.6
Service Rating 5.4
Convenience Rating 4.5
Trust Rating 4.4
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Ratesclick to open

    RAMS Basic Loan
Variable Rate 6.26%
Intro Rate  
Intro Rate Term  
Intro Rate Type Variable
Comparison Rate* 6.32%
Fixed 1 Year Rate  
Fixed 2 Year Rate  
Fixed 3 Year Rate  
Fixed 4 Year Rate  
Fixed 5 Year Rate  
Fixed 7 Year Rate  
Fixed 10 Year Rate  
Fixed Loan Revert Rate  
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*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

**Total interest and fees over 0 years

Feesclick to open

    RAMS Basic Loan
Application Fee $395.00
Legal Fee  
Valuation Fee $200.00
Settlement Fee $250.00
Other upfront fee (% of loan)  
Service Fee  
Exit Fee $295.00
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Other financial bitsclick to open

    RAMS Basic Loan
Minimum Loan Amount $50,000.00
Maximum Loan Amount  
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Featuresclick to open

    RAMS Basic Loan
Repayment Frequency Weekly, Fortnightly, Monthly
Extra Repayments yes - minimum $2,000
Repayment Holidays yes
Redraw Facility yes - fees apply
Minimum Redraw Amount $0.00
Split Account yes
Offset Account no
Other Restrictions  
Other Benefits  
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Most recent reviews of RAMS home loans

 

  • Overall Rating

    2
  • Pricing

    7
  • Product Features

    3
  • Customer Service

    2
  • Convenience

    0
  • Trust

    1

It was easy to get a loan. There is no branch to withdraw or deposit money. I dont feel confident going to a post office to deposit money and how do i get a bank cheque if they're is not spot to get one from? – Belinda from New South Wales, a RAMS home loan customer.   Reviewed 2 months ago

 

  • Overall Rating

    3
  • Pricing

    5
  • Product Features

    0
  • Customer Service

    1
  • Convenience

    1
  • Trust

    1

RAMS is apparently owned by Westpac and they have just put the interest rate up double what the reserve bank did today . So i don't think they give a s#!+ about their customers , just their own selfish greed . – Mal from South Australia, a RAMS home loan customer.   Reviewed 2 months ago

 

  • Overall Rating

    4
  • Pricing

    6
  • Product Features

    8
  • Customer Service

    3
  • Convenience

    6
  • Trust

    3

I could not believe it when they sold on my mortgage to a third party. – Andrew from Western Australia, a RAMS home loan customer.   Reviewed 2 months ago

 

  • Overall Rating

    6
  • Pricing

    7
  • Product Features

    5
  • Customer Service

    5
  • Convenience

    6
  • Trust

    5

Cheap rate but limited options – steven from New South Wales, a RAMS home loan customer.   Reviewed 3 months ago

 

  • Overall Rating

    8
  • Pricing

    8
  • Product Features

    8
  • Customer Service

    8
  • Convenience

    5
  • Trust

    7

Competitive interest rate. – Ann from Victoria, a RAMS home loan customer.   Reviewed 3 months ago

See all RAMS home loan reviews

Find more home loans by visiting our compare home loans page.

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