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    • RAMS RAMS Full Feature

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    home loans

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    • 6.96%variable

    • 7.03%

    • $0.00

    • $870

    Rates

    Variable rate
    6.96%
    Intro rate
    none
    Intro rate term
    none
    Intro rate type
    Variable
    Comparison Rate*
    7.03%
    Fixed 1 year rate
    none
    Fixed 2 year rate
    none
    Fixed 3 year rate
    none
    Fixed 4 year rate
    none
    Fixed 5 year rate
    none
    Fixed 7 year rate
    none
    Fixed 10 year rate
    none
    Fixed loan revert rate
    none

    Fees

    Application fee
    $595.00
    Legal fee
    $
    Valuation fee
    $0.00
    Settlement fee
    $275.00
    Other upfront fee (% of loan)
    none
    Service fee
    $0.00
    Discharge fee
    $295.00
    Early Exit Fee after 1 year assuming $300,000 loan
    $0

    Features

    Repayment Frequency
    Weekly, Fortnightly, Monthly
    Extra repayments
    yes - free
    Repayment holidays
    yes
    Redraw facility
    yes - free
    Minimum redraw amount
    $
    Split account
    yes
    Offset account
    no
    Other restrictions
    none
    Other benefits
    First year: convert to any Low Doc loan; after 2 yrs convert to any product. Conversion Fee - $295

    Other financial bits

    Minimum loan amount
    $15,000.00
    Maximum loan amount
    $

    About RAMS

    RAMS home loans believe in the Australian dream of owning your own home and aim to make this dream come true. With their flexible options and innovative products, RAM home loans is making the dream a reality. RAMS home loans aim 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 for members Australia wide.

    How are RAMS home loans rated by the Mozo community?

    Product Type Overall Price Features Service Convenience Trust
    RAMS home loans 4.6 Based on 41
    RAMS home loan reviews     		5.3 4.7 4.6 4.9 4.3

    Read RAMS home loan reviews by the Mozo community

    Latest review of RAMS RAMS Full Feature

      • UBank UHomeLoan - Refinance only *

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        * Fees and charges are payable

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        Forget them

          11. Overall customer rating
          12. (Reviewed 18 days ago)

        RAMS staff have been rude/condescending on more than one occasion. I have felt like they believe the are doing me a favour - even by speaking with me. I no longer make contact by phone. Apart from their manner the wait times are too long. I c...       Full review 

        RAMS staff have been rude/condescending on more than one occasion. I have felt like they believe the are doing me a favour - even by speaking with me. I no longer make contact by phone. Apart from their manner the wait times are too long. I can't switch just yet as there are penalties to move.


          11. Price
          11. Features
          11. Service
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          11. Trust
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        RAMS RAMS Full Feature home loan review by Dianne from Queensland

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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, based on the loan amount and loan term you entered. 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.

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