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RAMS Essential Home Loan

The details shown below are for an owner occupier taking out a principal & interest loan of at least $15,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $15,000 with an LVR below 70%

The details shown below are for an owner occupier taking out a interest only loan of at least $15,000 with an LVR below 70%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $15,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan of at least $15,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan of at least $15,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan of at least $15,000 with an LVR below 70%

The details shown below are for an investor taking out a principal & interest loan of at least $15,000 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan of at least $15,000 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan of at least $15,000 with an LVR below 70%

The details shown below are for an investor taking out a interest only loan of at least $15,000 with an LVR below 90%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR 70%-80%

    Loan: $15,000

  • Owner Occupier (Principal & Interest)

    LVR < 70%

    Loan: $15,000

  • Owner Occupier (Interest Only)

    LVR < 70%

    Loan: $15,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-95%

    Loan: $15,000

  • Owner Occupier (Interest Only)

    LVR 70%-80%

    Loan: $15,000

  • Investor (Principal & Interest)

    LVR 70%-80%

    Loan: $15,000

  • Investor (Principal & Interest)

    LVR < 70%

    Loan: $15,000

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $15,000

  • Investor (Interest Only)

    LVR 70%-80%

    Loan: $15,000

  • Investor (Interest Only)

    LVR < 70%

    Loan: $15,000

  • Investor (Interest Only)

    LVR 80%-90%

    Loan: $15,000

Rate
2.64% p.a.
Comparison Rate*
2.70% p.a.
Service fee
$0.00
Upfront fee
$880
Rate
2.59% p.a.
Comparison Rate*
2.65% p.a.
Service fee
$0.00
Upfront fee
$880
Rate
3.54% p.a.
Comparison Rate*
3.60% p.a.
Service fee
$0.00
Upfront fee
$880
Rate
2.89% p.a.
Comparison Rate*
2.95% p.a.
Service fee
$0.00
Upfront fee
$880
Rate
3.84% p.a.
Comparison Rate*
3.90% p.a.
Service fee
$0.00
Upfront fee
$880
Rate
3.04% p.a.
Comparison Rate*
3.10% p.a.
Service fee
$0.00
Upfront fee
$880
Rate
2.99% p.a.
Comparison Rate*
3.05% p.a.
Service fee
$0.00
Upfront fee
$880
Rate
3.29% p.a.
Comparison Rate*
3.35% p.a.
Service fee
$0.00
Upfront fee
$880
Rate
3.24% p.a.
Comparison Rate*
3.30% p.a.
Service fee
$0.00
Upfront fee
$880
Rate
3.19% p.a.
Comparison Rate*
3.25% p.a.
Service fee
$0.00
Upfront fee
$880
Rate
3.49% p.a.
Comparison Rate*
3.55% p.a.
Service fee
$0.00
Upfront fee
$880

Mozo editorial review RAMS Essential Home Loan

Last updated: 28 July 2020.

binocular icon
What's hot
  • Variable rates from 2.59% (2.65% comparison rate*)
  • Free extra repayments and redraw facility
  • Repayment holidays
What's not
  • $595 application fee
  • $275 settlement fee
Mozo snapshot

The RAMS Essentials Home Loan is great for anyone starting out or buying the home of their dreams. With variable rates from as low as 2.59% variable rate (2.65% comparison rate*), no ongoing fees and flexible repayment options you can be sure your repayments are going towards paying off your loan as quickly as possible.


key icon
Key features

The RAMS Essentials Home Loan has a bunch of options for different types of borrowers. The loan is available for both owner occupiers and investors and allows each group to borrow either principal & interest or interest only.

As an owner occupier, you can borrow up to 95% of the property's value for principal & interest loans. For investors, you can borrow up to 90% of the property's value on a principal and interest or interest only loan.

Extra repayments are available for free and there's no minimum redraw amount if you find you need that cash back.

One of the more unique features of the loan is its lack of maximum loan amount; which makes the RAMS Essentials Home Loan ideal if you are looking at taking on a big mortgage with competitive rates. On the other hand there's also a notably low minimum interest rate of only $15,000.

The repayment options should suit most payday frequencies, with weekly, fortnightly and monthly repayment options available. 


In case you can't decide which side of the fence the grass is greener there is a split account option which means you can split your low rate loan between a variable and fixed rate.

Lastly, if you ahead on your payments and want to have a break, you'll be able to take a repayment holiday, which lets you miss a repayment.

snapshot
Who is it good for

The RAMS Essentials Home Loan is great for anyone looking for low cost of entry into the home loan market.


snapshot
Any catches

There are a couple of fees that might get you bleating; to kick off your loan you'll need to pay a $595 application fee. While the end of the will be coupled with a $285 settlement fee and standard $295 discharge fee.


Details

Rates and fees information correct as at 24 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 2.64% p.a.

  • n/a

  • n/a

  • n/a

  • 2.70% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $595.00

  • $0.00

  • $0.00

  • $285.00

  • n/a

  • $0.00

  • $295.00

Other financial bits
  • $15,000

  • none

  • 70.00%

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 24 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 2.59% p.a.

  • n/a

  • n/a

  • n/a

  • 2.65% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $595.00

  • $0.00

  • $0.00

  • $285.00

  • n/a

  • $0.00

  • $295.00

Other financial bits
  • $15,000

  • none

  • none

  • 70.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 24 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.54% p.a.

  • n/a

  • n/a

  • n/a

  • 3.60% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $595.00

  • $0.00

  • $0.00

  • $285.00

  • n/a

  • $0.00

  • $295.00

Other financial bits
  • $15,000

  • none

  • none

  • 70.00%

Features
  • Owner Occupier

  • Interest Only

  • Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 24 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 2.89% p.a.

  • n/a

  • n/a

  • n/a

  • 2.95% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $595.00

  • $0.00

  • $0.00

  • $285.00

  • n/a

  • $0.00

  • $295.00

Other financial bits
  • $15,000

  • none

  • 80.00%

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 24 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.84% p.a.

  • n/a

  • n/a

  • n/a

  • 3.90% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $595.00

  • $0.00

  • $0.00

  • $285.00

  • n/a

  • $0.00

  • $295.00

Other financial bits
  • $15,000

  • none

  • 70.00%

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 24 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.04% p.a.

  • n/a

  • n/a

  • n/a

  • 3.10% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $595.00

  • $0.00

  • $0.00

  • $285.00

  • n/a

  • $0.00

  • $295.00

Other financial bits
  • $15,000

  • none

  • 70.00%

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 24 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 2.99% p.a.

  • n/a

  • n/a

  • n/a

  • 3.05% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $595.00

  • $0.00

  • $0.00

  • $285.00

  • n/a

  • $0.00

  • $295.00

Other financial bits
  • $15,000

  • none

  • none

  • 70.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 24 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.29% p.a.

  • n/a

  • n/a

  • n/a

  • 3.35% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $595.00

  • $0.00

  • $0.00

  • $285.00

  • n/a

  • $0.00

  • $295.00

Other financial bits
  • $15,000

  • none

  • 80.00%

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 24 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.24% p.a.

  • n/a

  • n/a

  • n/a

  • 3.30% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $595.00

  • $0.00

  • $0.00

  • $285.00

  • n/a

  • $0.00

  • $295.00

Other financial bits
  • $15,000

  • none

  • 70.00%

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 24 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.19% p.a.

  • n/a

  • n/a

  • n/a

  • 3.25% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $595.00

  • $0.00

  • $0.00

  • $285.00

  • n/a

  • $0.00

  • $295.00

Other financial bits
  • $15,000

  • none

  • none

  • 70.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 24 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.49% p.a.

  • n/a

  • n/a

  • n/a

  • 3.55% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $595.00

  • $0.00

  • $0.00

  • $285.00

  • n/a

  • $0.00

  • $295.00

Other financial bits
  • $15,000

  • none

  • 80.00%

  • 90.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Customer Reviews

How are RAMS home loans rated by the Mozo community?

Overall
5.7/10

Based on 235 RAMS home loan reviews

Price
6.0/10
Features
5.5/10
Customer service
5.8/10
Convenience
5.4/10
Trust
5.5/10

Latest reviews of RAMS Essential Home Loan

  • Overall 1/10
    Biggest mistake refinancing with RAMS.

    I get charged two lots of account fees a month. One is $391 and the other is $246. On top of that I am paying $1600 a month. I finally got the interest rate decreased from 4.22% to 3.97% in March. Also, one of the RAMS workers got into my Westpac bank account looking at my statements and asking me questions about where my money was going. I never gave him permission to look into my bank account. He had no verbal or written authority by me at all to do that.

    Read full review

    I get charged two lots of account fees a month. One is $391 and the other is $246. On top of that I am paying $1600 a month. I finally got the interest rate decreased from 4.22% to 3.97% in March. Also, one of the RAMS workers got into my Westpac bank account looking at my statements and asking me questions about where my money was going. I never gave him permission to look into my bank account. He had no verbal or written authority by me at all to do that.

    Price
    1/10
    Features
    1/10
    Customer service
    1/10
    Convenience
    1/10
    Trust
    1/10
    Less
    Kerry, New South Wales reviewed about 2 months ago
  • Overall 10/10
    I love my bank.

    I love my bank. My mortgage broker goes above and beyond for me. Great price, great customer service, what more could I ask for.

    Read full review

    I love my bank. My mortgage broker goes above and beyond for me. Great price, great customer service, what more could I ask for.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Aimee, New South Wales reviewed 4 months ago
  • Overall 1/10
    Poor customer service calls not returned

    Rams is a home loan provider that is only good when you can pay your mortgage but times like this when one has lost their job due to Covid 19 they dont want to know No calls are return only promises to do so. It has been a whole month since I filled in a form

    Read full review

    Rams is a home loan provider that is only good when you can pay your mortgage but times like this when one has lost their job due to Covid 19 they dont want to know No calls are return only promises to do so. It has been a whole month since I filled in a form

    Price
    0/10
    Features
    0/10
    Customer service
    0/10
    Convenience
    0/10
    Trust
    0/10
    Less
    Nomboniso, Victoria reviewed 4 months ago
  • Overall 9/10
    No frills, best rate

    Rams have always worked with us to find the best rate for our home loan. We like that they are backed by Westpac which gives us more security.

    Read full review

    Rams have always worked with us to find the best rate for our home loan. We like that they are backed by Westpac which gives us more security.

    Price
    9/10
    Features
    9/10
    Customer service
    8/10
    Convenience
    8/10
    Trust
    9/10
    Less
    Melissa, Queensland reviewed 5 months ago
  • Overall 1/10
    Only there for the money, low customer service.

    Good to get your foot in the door, but then they wring you dry.

    Read full review

    Good to get your foot in the door, but then they wring you dry.

    Price
    4/10
    Features
    10/10
    Customer service
    3/10
    Convenience
    0/10
    Trust
    2/10
    Less
    Lisa, South Australia reviewed 11 months ago
RAMS

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.

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2.32% p.a.

Promoted

Suncorp

Suncorp

Fixed Home Loan (Home Package Plus)

2.49% p.a.
fixed 3 years

3.28% p.a.

Promoted

Bank of Queensland

Bank of Queensland

Economy

2.59% p.a. variable

2.76% p.a.

Promoted

Macquarie

Macquarie

Offset Home Loan (Package)

2.54% p.a.

2.81% p.a.

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.48% p.a.

2.50% p.a.

Promoted

HSBC

HSBC

Home Value Loan

2.59% p.a.

2.60% p.a.

Promoted

Athena

Athena

AcceleRATES Variable Home Loan

2.34% p.a.

2.34% p.a.

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.29% p.a.

2.32% p.a.

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.49% p.a.

2.49% p.a.

Promoted

Suncorp

Suncorp

Back to Basics

2.68% p.a.

2.69% p.a.

Promoted

Bank of Queensland

Bank of Queensland

Economy

2.59% p.a.

2.76% p.a.

Promoted

loans.com.au

loans.com.au

Fixed Home Loan

n/a

n/a

Promoted

HSBC

HSBC

Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% p.a.

Promoted

Homestar

Homestar

Star Classic Fixed Home Loan

2.06% p.a.
fixed 3 years

2.38% p.a.

Promoted

UBank

UBank

UHomeLoan (1 Year Fixed)

n/a

n/a

Promoted

Suncorp

Suncorp

Fixed Home Loan (Home Package Plus)

2.49% p.a.
fixed 3 years

3.28% p.a.

Promoted

Bank of Queensland

Bank of Queensland

Fixed Rate

2.25% p.a.
fixed 3 years

3.41% p.a.

Promoted

IMB Bank

IMB Bank

Fixed Home Loan

2.39% p.a.
fixed 3 years

3.08% p.a.

Promoted

AMP Bank

AMP Bank

Fixed Rate Loan (Professional Package)

2.49% p.a.
fixed 3 years

3.07% p.a.

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.48% p.a.

2.50% p.a.

$0.00

Promoted

Athena

Athena

AcceleRATES Variable Home Loan

2.34% p.a.

2.34% p.a.

$0.00

Promoted

Macquarie

Macquarie

Offset Home Loan (Package)

2.54% p.a.

2.81% p.a.

$248.00 yearly

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.49% p.a.

2.49% p.a.

$0.00

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.29% p.a.

2.32% p.a.

$0.00

Promoted

Bank of Queensland

Bank of Queensland

Economy

2.59% p.a.

2.76% p.a.

$10.00 monthly

Promoted

IMB Bank

IMB Bank

Budget Home Loan

2.61% p.a.

2.67% p.a.

$0.00

Promoted

AMP Bank

AMP Bank

Variable Rate Loan (Professional Package)

2.59% p.a.

3.00% p.a.

$349.00 yearly

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.