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 | |
|---|---|---|---|---|---|
|
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Owner Occupier | Principal & Interest | < 95% | $15,000 | |
|
|
Owner Occupier | Interest Only | < 80% | $15,000 | |
|
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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 |
|
|
4.64% (3.96%*) |
|
|
5.44% (4.19%*) |
|
|
5.74% (4.42%*) |
|
|
5.94% (4.65%*) |
|
|
6.04% (4.86%*) |
|
|
n/a |
|
|
7.39% (6.57%*) |
|
|
3.69% p.a. |
|
$595.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$285.00 |
|
|
n/a |
|
|
$10.00 monthly |
|
|
$295.00 |
|
$15,000 |
|
|
none |
|
|
none |
|
|
95.00% |
|
Weekly, Fortnightly, Monthly |
|
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yes - free up to $30,000 during fixed rate period |
|
|
yes |
|
|
yes - fees apply |
|
|
$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 |
|
|
5.14% (5.27%*) |
|
|
5.74% (5.39%*) |
|
|
6.04% (5.53%*) |
|
|
6.44% (5.75%*) |
|
|
6.54% (5.90%*) |
|
|
n/a |
|
|
n/a |
|
|
5.09% p.a. |
|
$595.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$285.00 |
|
|
n/a |
|
|
$10.00 monthly |
|
|
$295.00 |
|
$15,000 |
|
|
none |
|
|
none |
|
|
80.00% |
|
Monthly |
|
|
yes - free up to $30,000 during fixed rate period |
|
|
yes |
|
|
yes - fees apply |
|
|
$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 |
|
|
4.84% (4.25%*) |
|
|
5.44% (4.44%*) |
|
|
5.94% (4.70%*) |
|
|
6.04% (4.89%*) |
|
|
6.14% (5.08%*) |
|
|
n/a |
|
|
7.39% (6.65%*) |
|
|
3.99% p.a. |
|
$595.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$285.00 |
|
|
n/a |
|
|
$10.00 monthly |
|
|
$295.00 |
|
$15,000 |
|
|
none |
|
|
none |
|
|
90.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $30,000 during fixed rate period |
|
|
yes |
|
|
yes - fees apply |
|
|
$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 |
|
|
5.04% (4.45%*) |
|
|
5.64% (4.64%*) |
|
|
5.94% (4.84%*) |
|
|
6.24% (5.09%*) |
|
|
6.44% (5.33%*) |
|
|
n/a |
|
|
7.39% (6.71%*) |
|
|
4.19% p.a. |
|
$595.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$285.00 |
|
|
n/a |
|
|
$10.00 monthly |
|
|
$295.00 |
|
$15,000 |
|
|
none |
|
|
none |
|
|
80.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $30,000 during fixed rate period |
|
|
yes |
|
|
yes - fees apply |
|
|
$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.
Absolutely useless bank. Their customer service policies are terrible and make it so difficult to resolve simple queries. I had an agent make mistakes during ID validation meaning I had to go on hold again and explain my situation again to a new person for no reason. What a waste of 20 minutes! Secondly, it’s genuinely easier to switch to a new bank than it is to stay with RAMS and complete a simple change. Why is that the case? RAMS is a bank living in the past and is better of being buried. Do yourself a favour and go with someone else to get better features, better rates and better service!
Read full reviewAbsolutely useless bank. Their customer service policies are terrible and make it so difficult to resolve simple queries. I had an agent make mistakes during ID validation meaning I had to go on hold again and explain my situation again to a new person for no reason. What a waste of 20 minutes! Secondly, it’s genuinely easier to switch to a new bank than it is to stay with RAMS and complete a simple change. Why is that the case? RAMS is a bank living in the past and is better of being buried. Do yourself a favour and go with someone else to get better features, better rates and better service!
I highly recommend Rams. I went to Rams home loans Arundel on the Goldcoast. I seen Ronald McBean he made the whole process of buying our home a dream . He was professional reliable trust worthy and helped me through the process step by step . I was always informed of what I needed to do & how the process was tracking . Nothing was a problem excellent customer service by all the team at the Arundel Office .
Read full reviewI highly recommend Rams. I went to Rams home loans Arundel on the Goldcoast. I seen Ronald McBean he made the whole process of buying our home a dream . He was professional reliable trust worthy and helped me through the process step by step . I was always informed of what I needed to do & how the process was tracking . Nothing was a problem excellent customer service by all the team at the Arundel Office .
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.
loans.com.au
Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a. variable
3.96% p.a.
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Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a. variable
3.96% p.a.
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Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a.
3.96% 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.
