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    • RAMS RAMS Line of Credit

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    home loans

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    • 7.06%variable

    • 7.34%

    • $20.00Monthly

    • $870

    Rates

    Variable rate
    7.06%
    Intro rate
    none
    Intro rate term
    none
    Intro rate type
    Variable
    Comparison Rate*
    7.34%
    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
    $20.00Monthly
    Discharge fee
    $295.00
    Early Exit Fee after 1 year assuming $300,000 loan
    $0

    Features

    Repayment Frequency
    No set repayments
    Extra repayments
    yes - free
    Repayment holidays
    n/a
    Redraw facility
    yes - free
    Minimum redraw amount
    $
    Split account
    yes
    Offset account
    n/a
    Other restrictions
    none
    Other benefits
    Convert to any Full Doc loan any time. 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 Line of Credit

      • UBank UHomeLoan - Refinance only *

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        * Fees and charges are payable

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        Never trust them - no matter how good they sound

          11. Overall customer rating
          12. (Reviewed 4 days ago)

        I nearly lost my home as they used the fine print to take it away from me. I wouldn't trust or recommend them. Please look at your contracts and truly understand what it says.       Full review 

        I nearly lost my home as they used the fine print to take it away from me. I wouldn't trust or recommend them. Please look at your contracts and truly understand what it says.


          11. Price
          11. Features
          11. Service
          11. Convenience
          11. Trust
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        RAMS RAMS Line of Credit home loan review by Marie from New South Wales

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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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