RAMS Fixed Rate

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

  • 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

Details

Rates and fees information correct as at 23 August 2019. 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

  • 3.29% (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.

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

*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 23 August 2019. 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

  • 3.89% (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.

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

*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 23 August 2019. 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% (5.63%*)

  • 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.

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

*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 23 August 2019. 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

  • 3.99% (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.

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

*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.

    It is easy to deal, better interest rates.

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

    Abarna | New South Wales

    reviewed over 3 years ago

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

    They look after us always ready to help.

    They look after us always ready to help.

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

    Shawn | Queensland

    reviewed over 3 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...

    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

    Tommy | New South Wales

    reviewed over 3 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...

    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

    Danielle | New South Wales

    reviewed over 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...

    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

    Brett | Northern Territory

    reviewed over 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.

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4.09% p.a.

$450

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4.14% p.a.

$450

*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.