RAMS Fixed Rate

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 loan that suits you best

  • 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

3.99% p.a.

5.31% p.a.

$20.00 monthly

RAMS Fixed Rate

3.99% p.a.

5.31% p.a.

$20.00 monthly

Details
Customer Reviews
Similar loans

4.89% p.a.

5.97% p.a.

$20.00 monthly

RAMS Fixed Rate

4.89% p.a.

5.97% p.a.

$20.00 monthly

Details
Customer Reviews
Similar loans

4.59% p.a.

5.84% p.a.

$20.00 monthly

RAMS Fixed Rate

4.59% p.a.

5.84% p.a.

$20.00 monthly

Details
Customer Reviews
Similar loans

4.99% p.a.

6.32% p.a.

$20.00 monthly

RAMS Fixed Rate

4.99% p.a.

6.32% p.a.

$20.00 monthly

Details
Customer Reviews
Similar loans
Details
Customer Reviews
Similar loans

Details

Rates and fees information correct as at 14 November 2018. 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

  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.24% (5.58%*)

  • 3.89% (5.41%*)

  • 3.99% (5.31%*)

  • 4.39% (5.34%*)

  • 4.39% (5.27%*)

  • (*)

  • 5.64% (5.77%*)

  • 5.41% p.a.

Fees

  • $595.00

  • $0.00

  • $0.00

  • $285.00

  • none

  • $20.00 monthly

  • $295.00

Other financial bits

  • $15,000

  • none

  • none

  • 95.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - free up to $30,000 during fixed rate period

  • yes

  • yes - $10 fee

  • $1,000.00

  • yes

  • no

  • 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 14 November 2018. 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

  • p.a.

  • p.a.

  • 0 Months

  • none

  • 5.09% (6.19%*)

  • 4.74% (6.04%*)

  • 4.89% (5.97%*)

  • 5.09% (5.96%*)

  • 5.09% (5.89%*)

  • (*)

  • (*)

  • 6.00% p.a.

Fees

  • $595.00

  • $0.00

  • $0.00

  • $285.00

  • none

  • $20.00 monthly

  • $295.00

Other financial bits

  • $15,000

  • none

  • none

  • 80.00%

Features

  • Monthly

  • yes - free up to $30,000 during fixed rate period

  • yes

  • yes - $10 fee

  • $1,000.00

  • yes

  • no

  • 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 14 November 2018. 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

  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.59% (6.07%*)

  • 4.09% (5.85%*)

  • 4.59% (5.84%*)

  • 4.69% (5.77%*)

  • 4.69% (5.68%*)

  • (*)

  • 5.89% (6.10%*)

  • 5.92% p.a.

Fees

  • $595.00

  • $0.00

  • $0.00

  • $285.00

  • none

  • $20.00 monthly

  • $295.00

Other financial bits

  • $15,000

  • none

  • none

  • 90.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - free up to $30,000 during fixed rate period

  • yes

  • yes - $10 fee

  • $1,000.00

  • yes

  • no

  • 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 14 November 2018. 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

  • p.a.

  • p.a.

  • 0 Months

  • none

  • 5.09% (6.60%*)

  • 4.59% (6.37%*)

  • 4.99% (6.32%*)

  • 5.29% (6.32%*)

  • 4.99% (6.11%*)

  • (*)

  • 6.54% (6.80%*)

  • 6.46% p.a.

Fees

  • $595.00

  • $0.00

  • $0.00

  • $285.00

  • none

  • $20.00 monthly

  • $295.00

Other financial bits

  • $15,000

  • none

  • none

  • 80.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - free up to $30,000 during fixed rate period

  • yes

  • yes - $10 fee

  • $1,000.00

  • yes

  • no

  • 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 customer rating
5.7/10

Based on 215 RAMS home loan reviews

Price
6.1/10
Features
5.5/10
Customer service
5.8/10
Convenience
5.4/10
Trust
5.5/10

Latest reviews of RAMS Fixed Rate

  • Overall
    8/10
    Great rates and good cutomer service

    It is easy to deal, better interest rates.

    Read full review

    It is easy to deal, better interest rates.

    Price
    7/10
    Features
    7/10
    Customer service
    7/10
    Convenience
    7/10
    Trust
    7/10

    Less

    Abarna | New South Wales

    reviewed over 2 years ago

  • Overall
    7/10
    Excellent service that is always a pleasure .

    They look after us always ready to help.

    Read full review

    They look after us always ready to help.

    Price
    7/10
    Features
    6/10
    Customer service
    8/10
    Convenience
    7/10
    Trust
    6/10

    Less

    Shawn | Queensland

    reviewed over 2 years ago

  • Overall
    10/10
    Awesome

    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.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Less

    Tommy | New South Wales

    reviewed over 2 years ago

  • Overall
    9/10
    Excellent customer service.

    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.

    Price
    8/10
    Features
    2/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    8/10

    Less

    Danielle | New South Wales

    reviewed almost 3 years ago

  • Overall
    10/10
    Great Experience and Rate

    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.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Less

    Brett | Northern Territory

    reviewed almost 3 years 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.

See RAMS home loans

Promoted

loans.com.au

loans.com.au

Essentials Variable

3.64% p.a. variable

3.66% p.a.

$520

Go to site

Promoted

HSBC

HSBC

Home Value Loan

3.59% p.a. variable

3.61% p.a.

$150

Go to site

Promoted

UBank

UBank

UHomeLoan - Offer

3.59% p.a. variable

3.59% p.a.

$0

Go to site

Promoted

State Custodians

State Custodians

Low Rate Home Loan with Offset

3.68% p.a. variable

3.69% p.a.

$0

Go to site

Promoted

Bank Australia

Bank Australia

Basic Home Loan

3.65% p.a. variable

3.66% p.a.

$0

Go to site

Promoted

Virgin Money

Virgin Money

Reward Me Variable Rate Home Loan

3.68% p.a. variable

3.82% p.a.

$150

Promoted

NAB

NAB

Base Variable Rate Home Loan

3.87% p.a. variable

3.91% p.a.

$600

Go to site

Promoted

Well Home Loans

Well Home Loans

Well Balanced

3.49% p.a. variable

3.53% p.a.

$600

Go to site

Promoted

loans.com.au

loans.com.au

Essentials Variable

3.64% p.a.

3.66% p.a.

$520

Go to site

Promoted

UBank

UBank

UHomeLoan - Offer

3.59% p.a.

3.59% p.a.

$0

Go to site

Promoted

NAB

NAB

Base Variable Rate Home Loan

3.87% p.a.

3.91% p.a.

$600

Go to site

Promoted

State Custodians

State Custodians

Low Rate Home Loan with Offset

3.68% p.a.

3.69% p.a.

$0

Go to site

Promoted

Newcastle Permanent

Newcastle Permanent

Variable Home Loan (Premium Plus Package)

3.82% p.a.

4.22% p.a.

$0

Go to site

Promoted

HSBC

HSBC

Home Value Loan

3.59% p.a.

3.61% p.a.

$150

Go to site

Promoted

Well Home Loans

Well Home Loans

Well Balanced

3.49% p.a.

3.53% p.a.

$600

Go to site

Promoted

Homestar

Homestar

Variable Rate Loan

3.54% p.a.

3.59% p.a.

$567

Go to site

Promoted

UBank

UBank

UHomeLoan (Fixed)

3.74% p.a.
fixed 3 years

4.01% p.a.

$395

Go to site

Promoted

loans.com.au

loans.com.au

Smart Loan Fixed (Package)

3.99% p.a.
fixed 3 years

4.31% p.a.

$520

Go to site

Promoted

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan

3.99% p.a.
fixed 3 years

4.82% p.a.

$0

Go to site

Promoted

Virgin Money

Virgin Money

Reward Me Fixed Rate Home Loan

3.87% p.a.
fixed 3 years

4.02% p.a.

$150

Promoted

NAB

NAB

Tailored Home Loan (Fixed, Choice Package)

3.99% p.a.
fixed 3 years

4.86% p.a.

$0

Go to site

Promoted

Bank Australia

Bank Australia

Basic Home Loan (Fixed)

3.89% p.a.
fixed 3 years

3.91% p.a.

$0

Go to site

Promoted

Beyond Bank

Beyond Bank

Fixed Rate Total Home Loan (Package)

3.83% p.a.
fixed 3 years

4.89% p.a.

$0

Go to site

Promoted

UBank

UBank

UHomeLoan (Fixed)

3.74% p.a.
fixed 3 years

4.01% p.a.

$395

Go to site

*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.

Compare other home loans