Thumbnail icon for RAMS

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 27 September 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 27 September 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 27 September 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 27 September 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
5.7/10

Based on 233 RAMS home loan reviews

Price
6.0/10
Features
5.4/10
Customer service
5.8/10
Convenience
5.4/10
Trust
5.5/10

Latest reviews of RAMS Fixed Rate

  • Overall 10/10
    Go to RAMS.

    They looked after me when I was struggling many years ago.

    Read full review

    They looked after me when I was struggling many years ago.

    Price
    8/10
    Features
    7/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    9/10
    Less
    Janette, New South Wales reviewed about 2 months ago
  • 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 3 months 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 7 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 8 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 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.

See RAMS home loans

Promoted

ING

ING

Mortgage Simplifier

2.49% p.a. variable

2.52% p.a.

Promoted

Suncorp

Suncorp

Fixed Home Loan (Home Package Plus)

2.49% p.a.
fixed 3 years

3.28% p.a.

Promoted

HSBC

HSBC

Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% p.a.

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.48% p.a. variable

2.50% p.a.

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.49% p.a. variable

2.49% p.a.

Promoted

Yard

Yard

Variable Home Loan Special

2.19% p.a. variable

2.22% p.a.

Promoted

Athena

Athena

AcceleRATES Variable Home Loan

2.39% p.a. variableApply now to get this rate from 30 Sep

2.39% p.a.Apply now to get this rate from 30 Sep

Promoted

homeloans.com.au

homeloans.com.au

Low Rate Home Loan

2.54% p.a. variable

2.55% p.a.

Promoted

ING

ING

Mortgage Simplifier

2.49% p.a. variable

2.52% p.a.

Promoted

Suncorp

Suncorp

Back to Basics

2.68% p.a. variable

2.69% p.a.

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.48% p.a. variable

2.50% p.a.

Promoted

HSBC

HSBC

Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% p.a.

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.49% p.a. variable

2.49% p.a.

Promoted

Athena

Athena

AcceleRATES Variable Home Loan

2.39% p.a. variableApply now to get this rate from 30 Sep

2.39% p.a.Apply now to get this rate from 30 Sep

Promoted

AMP Bank

AMP Bank

Variable Rate Loan (Professional Package)

2.59% p.a. variable

3.00% p.a.

Promoted

homeloans.com.au

homeloans.com.au

Low Rate Home Loan

2.54% p.a. variable

2.55% p.a.

Promoted

ING

ING

Mortgage Simplifier

2.49% p.a.

2.52% p.a.

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.48% p.a.

2.50% p.a.

Promoted

Suncorp

Suncorp

Back to Basics

2.68% p.a.

2.69% p.a.

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.49% p.a.

2.49% p.a.

Promoted

homeloans.com.au

homeloans.com.au

Low Rate Home Loan

2.54% p.a.

2.55% p.a.

Promoted

Athena

Athena

AcceleRATES Variable Home Loan

2.39% p.a.Apply now to get this rate from 30 Sep

2.39% p.a.Apply now to get this rate from 30 Sep

Promoted

IMB Bank

IMB Bank

Budget Home Loan

2.61% p.a.

2.67% p.a.

Promoted

Yard

Yard

Variable Home Loan Special

2.19% p.a.

2.22% p.a.

Promoted

ING

ING

Fixed Rate Loan (Owner Occupiers with Orange Advantage)

2.34% p.a.
fixed 3 years

3.67% p.a.

Promoted

UBank

UBank

UHomeLoan (1 Year Fixed)

n/a

n/a

Promoted

Suncorp

Suncorp

Fixed Home Loan (Home Package Plus)

2.49% p.a.
fixed 3 years

3.28% p.a.

Promoted

HSBC

HSBC

Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% p.a.

Promoted

loans.com.au

loans.com.au

Fixed Home Loan

n/a

n/a

Promoted

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

2.39% p.a.
fixed 3 years

3.66% p.a.

Promoted

Bank of Queensland

Bank of Queensland

Fixed Rate

2.25% p.a.
fixed 3 years

3.41% p.a.

Promoted

Macquarie

Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.60% 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.