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 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%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 95% | $15,000 | |
| | Owner Occupier | Interest Only | < 80% | $15,000 | |
| | Investor | Principal & Interest | < 90% | $15,000 | |
| | Investor | Interest Only | < 80% | $15,000 |
Owner Occupier (Principal & Interest)
LVR < 95%
Loan: $15,000
Owner Occupier (Interest Only)
LVR < 80%
Loan: $15,000
Investor (Principal & Interest)
LVR < 90%
Loan: $15,000
Investor (Interest Only)
LVR < 80%
Loan: $15,000
n/a
n/a
n/a
n/a
2.09% (4.67%*)
2.09% (4.45%*)
2.09% (4.25%*)
1.99% (4.04%*)
2.29% (3.98%*)
n/a
5.64% (5.64%*)
4.61% p.a.
$595.00
$0.00
$0.00
$285.00
n/a
$20.00 monthly
$295.00
$15,000
none
none
95.00%
Weekly, Fortnightly, Monthly
yes - free up to $30,000 during fixed rate period
yes
yes - $10 fee
$1,000.00
yes
no
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.
n/a
n/a
n/a
n/a
3.69% (5.34%*)
3.69% (5.21%*)
3.69% (5.08%*)
4.19% (5.14%*)
4.19% (5.07%*)
n/a
n/a
5.20% p.a.
$595.00
$0.00
$0.00
$285.00
n/a
$20.00 monthly
$295.00
$15,000
none
none
80.00%
Monthly
yes - free up to $30,000 during fixed rate period
yes
yes - $10 fee
$1,000.00
yes
no
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.
n/a
n/a
n/a
n/a
2.59% (5.17%*)
2.49% (4.93%*)
2.49% (4.71%*)
2.79% (4.62%*)
2.79% (4.46%*)
n/a
5.89% (5.96%*)
5.12% p.a.
$595.00
$0.00
$0.00
$285.00
n/a
$20.00 monthly
$295.00
$15,000
none
none
90.00%
Weekly, Fortnightly, Monthly
yes - free up to $30,000 during fixed rate period
yes
yes - $10 fee
$1,000.00
yes
no
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.
n/a
n/a
n/a
n/a
2.79% (5.44%*)
2.69% (5.19%*)
2.69% (4.97%*)
2.99% (4.87%*)
2.99% (4.70%*)
n/a
6.54% (6.51%*)
5.41% p.a.
$595.00
$0.00
$0.00
$285.00
n/a
$20.00 monthly
$295.00
$15,000
none
none
80.00%
Weekly, Fortnightly, Monthly
yes - free up to $30,000 during fixed rate period
yes
yes - $10 fee
$1,000.00
yes
no
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.
They looked after me when I was struggling many years ago.
Read full reviewThey looked after me when I was struggling many years ago.
A bad company to be in with. Very Unhelpful and not trustworthy.
Read full reviewA bad company to be in with. Very Unhelpful and not trustworthy.
Great customer service, banking app easy to use, great deals and comparison rates.
Read full reviewGreat customer service, banking app easy to use, great deals and comparison rates.
I have had an amazing experience with Rams. The staff are fantastic and genuinely helpful and the low rate has been great for me as a single mum.
Read full reviewI have had an amazing experience with Rams. The staff are fantastic and genuinely helpful and the low rate has been great for me as a single mum.
It is easy to deal, better interest rates.
Read full reviewIt is easy to deal, better interest rates.
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.
See RAMS home loans
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a. variable
2.47% p.a.
Bank of Queensland
Fixed Rate
2.09% p.a.
fixed 3 years
3.01% p.a.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a. variable
2.47% p.a.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a.
2.47% p.a.
Bank of Queensland
Economy
2.59% p.a.
2.76% p.a.
Bank of Queensland
Fixed Rate
2.09% p.a.
fixed 3 years
3.01% p.a.
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.
