This product is available in different versions. Pick the right version for you here.
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
2.99% p.a.
4.77% p.a.
$20.00 monthly
RAMS Fixed Rate
2.99% p.a.
4.77% p.a.
$20.00 monthly
3.79% p.a.
5.39% p.a.
$20.00 monthly
RAMS Fixed Rate
3.79% p.a.
5.39% p.a.
$20.00 monthly
3.69% p.a.
5.31% p.a.
$20.00 monthly
RAMS Fixed Rate
3.69% p.a.
5.31% p.a.
$20.00 monthly
3.89% p.a.
5.57% p.a.
$20.00 monthly
RAMS Fixed Rate
3.89% p.a.
5.57% p.a.
$20.00 monthly
n/a
n/a
n/a
n/a
3.29% (5.14%*)
2.99% (4.93%*)
2.99% (4.77%*)
3.49% (4.78%*)
3.49% (4.68%*)
n/a
5.64% (5.75%*)
5.01% 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
n/a
n/a
n/a
n/a
3.89% (5.72%*)
3.79% (5.54%*)
3.79% (5.39%*)
4.09% (5.36%*)
4.09% (5.25%*)
n/a
n/a
5.60% 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
n/a
n/a
n/a
n/a
3.69% (5.63%*)
3.59% (5.44%*)
3.69% (5.31%*)
3.89% (5.24%*)
3.89% (5.13%*)
n/a
5.89% (6.07%*)
5.52% 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
n/a
n/a
n/a
n/a
3.99% (5.91%*)
3.89% (5.73%*)
3.89% (5.57%*)
3.99% (5.46%*)
3.99% (5.33%*)
n/a
6.54% (6.62%*)
5.81% 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
It is easy to deal, better interest rates.
Read full review
It is easy to deal, better interest rates.
Less
Abarna | New South Wales
reviewed over 3 years ago
They look after us always ready to help.
Read full review
They look after us always ready to help.
Less
Shawn | Queensland
reviewed over 3 years ago
I love RAMS they are the best bank I ever been with they are so easy to talk to and work with...
Read full review
I love RAMS they are the best bank I ever been with they are so easy to talk to and work with them through any issues.
Less
Tommy | New South Wales
reviewed over 3 years ago
RAMS went above and beyond with helping me with my construction loan. From start to finish they...
Read full review
RAMS went above and beyond with helping me with my construction loan. From start to finish they were helpful and took the time to explain every step with me.
Less
Danielle | New South Wales
reviewed over 3 years ago
Gary from the Sunbury Branch helped me through a difficult home loan application. He was...
Read full review
Gary from the Sunbury Branch helped me through a difficult home loan application. He was extremely helpful and kept me informed along the way. He went over and above to help get me a loan with a great interest rate. Great experience.
Less
Brett | Northern Territory
reviewed over 3 years ago
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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