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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 this 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

Fixed 3 year rate
2.29% p.a.
Comparison Rate*
4.30% p.a.
Service fee
$20.00 monthly
Upfront fee
$880
Fixed 3 year rate
3.69% p.a.
Comparison Rate*
5.08% p.a.
Service fee
$20.00 monthly
Upfront fee
$880
Fixed 3 year rate
2.69% p.a.
Comparison Rate*
4.77% p.a.
Service fee
$20.00 monthly
Upfront fee
$880
Fixed 3 year rate
2.89% p.a.
Comparison Rate*
5.02% p.a.
Service fee
$20.00 monthly
Upfront fee
$880

Details

Rates and fees information correct as at 4 July 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

  • n/a

  • n/a

  • n/a

  • n/a

  • 2.29% (4.69%*)

  • 2.29% (4.49%*)

  • 2.29% (4.30%*)

  • 2.79% (4.29%*)

  • 2.79% (4.17%*)

  • n/a

  • 5.64% (5.64%*)

  • 4.61% p.a.

Fees

  • $595.00

  • $0.00

  • $0.00

  • $285.00

  • n/a

  • $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

  • 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 4 July 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

  • 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.

Fees

  • $595.00

  • $0.00

  • $0.00

  • $285.00

  • n/a

  • $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

  • 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 4 July 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

  • n/a

  • n/a

  • n/a

  • n/a

  • 2.89% (5.20%*)

  • 2.69% (4.96%*)

  • 2.69% (4.77%*)

  • 3.19% (4.75%*)

  • 3.19% (4.62%*)

  • n/a

  • 5.89% (5.96%*)

  • 5.12% p.a.

Fees

  • $595.00

  • $0.00

  • $0.00

  • $285.00

  • n/a

  • $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

  • 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 4 July 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

  • n/a

  • n/a

  • n/a

  • n/a

  • 3.09% (5.47%*)

  • 2.89% (5.23%*)

  • 2.89% (5.02%*)

  • 3.39% (5.00%*)

  • 3.39% (4.86%*)

  • n/a

  • 6.54% (6.51%*)

  • 5.41% p.a.

Fees

  • $595.00

  • $0.00

  • $0.00

  • $285.00

  • n/a

  • $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

  • 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 230 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 1/10
    Close RAMS down.

    A bad company to be in with. Very Unhelpful and not trustworthy.

    Read full review

    A bad company to be in with. Very Unhelpful and not trustworthy.

    Price
    2/10
    Features
    1/10
    Customer service
    1/10
    Convenience
    1/10
    Trust
    1/10
    Less
    Peter, Queensland reviewed 12 days ago
  • Overall 9/10
    Top products and great customer service.

    Great customer service, banking app easy to use, great deals and comparison rates.

    Read full review

    Great customer service, banking app easy to use, great deals and comparison rates.

    Price
    8/10
    Features
    6/10
    Customer service
    10/10
    Convenience
    8/10
    Trust
    9/10
    Less
    Amy, Australian Capital Territory reviewed 4 months ago
  • Overall 10/10
    Great company with lovely staff.

    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 review

    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.

    Price
    8/10
    Features
    7/10
    Customer service
    10/10
    Convenience
    8/10
    Trust
    10/10
    Less
    Toni, South Australia reviewed 5 months ago
  • 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 about 4 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 4 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.

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*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.

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