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RAMS Home LoansHome 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. |
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| RAMS Basic Loan | ||
| Overall Customer Rating | 5.7BASED ON 21 REVIEWS |
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| Price Rating | 6.0 | |
| Features Rating | 5.6 | |
| Service Rating | 5.4 | |
| Convenience Rating | 4.5 | |
| Trust Rating | 4.4 | |
| Go to site |
| 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 | ||
| Go to site |
*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
| 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 | |
| Go to site |
| RAMS Basic Loan | ||
| Minimum Loan Amount | $50,000.00 | |
| Maximum Loan Amount | ||
| Go to site |
| 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 | ||
| Go to site |
Overall Rating
2Pricing
7Product Features
3Customer Service
2Convenience
0Trust
1It 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
3Pricing
5Product Features
0Customer Service
1Convenience
1Trust
1RAMS 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
4Pricing
6Product Features
8Customer Service
3Convenience
6Trust
3I 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
6Pricing
7Product Features
5Customer Service
5Convenience
6Trust
5Cheap rate but limited options – steven from New South Wales, a RAMS home loan customer. Reviewed 3 months ago
Overall Rating
8Pricing
8Product Features
8Customer Service
8Convenience
5Trust
7Competitive 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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