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RAMS Full Feature

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

Rate
4.61% p.a.
Comparison Rate*
4.67% p.a.
Service fee
$0.00
Upfront fee
$880
Rate
5.20% p.a.
Comparison Rate*
5.27% p.a.
Service fee
$0.00
Upfront fee
$880
Rate
5.12% p.a.
Comparison Rate*
5.18% p.a.
Service fee
$0.00
Upfront fee
$880
Rate
5.41% p.a.
Comparison Rate*
5.48% p.a.
Service fee
$0.00
Upfront fee
$880

Details

Rates and fees information correct as at 5 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
  • 4.61% p.a.

  • n/a

  • n/a

  • n/a

  • 4.67% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $595.00

  • $0.00

  • $0.00

  • $285.00

  • n/a

  • $0.00

  • $295.00

Other financial bits
  • $15,000

  • none

  • none

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • 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 5 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
  • 5.20% p.a.

  • n/a

  • n/a

  • n/a

  • 5.27% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $595.00

  • $0.00

  • $0.00

  • $285.00

  • n/a

  • $0.00

  • $295.00

Other financial bits
  • $15,000

  • none

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • 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 5 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
  • 5.12% p.a.

  • n/a

  • n/a

  • n/a

  • 5.18% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $595.00

  • $0.00

  • $0.00

  • $285.00

  • n/a

  • $0.00

  • $295.00

Other financial bits
  • $15,000

  • none

  • none

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • 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 5 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
  • 5.41% p.a.

  • n/a

  • n/a

  • n/a

  • 5.48% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $595.00

  • $0.00

  • $0.00

  • $285.00

  • n/a

  • $0.00

  • $295.00

Other financial bits
  • $15,000

  • none

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • 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 Full Feature

  • Overall 8/10
    No fuss.

    We had to open an account with Westpac even though we dealt with RAMS direct for the loan initially, we didn't realise this however both RAMS and Westpac have only been helpful for us whenever we have had any interactions with them.

    Read full review

    We had to open an account with Westpac even though we dealt with RAMS direct for the loan initially, we didn't realise this however both RAMS and Westpac have only been helpful for us whenever we have had any interactions with them.

    Price
    6/10
    Features
    7/10
    Customer service
    8/10
    Convenience
    8/10
    Trust
    8/10
    Less
    Adele, Queensland reviewed 8 months ago
  • Overall 8/10
    Overall a good product backed by excellent service

    I Like the fact that easy to get to speak to a customer service person. Internet banking easy to use for redraw etc. Don't like the fact that interest increases a letter appears the next day in the mail. Decreases in interest rates take a lot longer. Regular statements

    Read full review

    I Like the fact that easy to get to speak to a customer service person. Internet banking easy to use for redraw etc. Don't like the fact that interest increases a letter appears the next day in the mail. Decreases in interest rates take a lot longer. Regular statements

    Price
    7/10
    Features
    7/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    7/10
    Less
    Rohan, Victoria reviewed over 4 years ago
  • Overall 9/10
    Great product

    Great product. Enjoy using my rams online.

    Read full review

    Great product. Enjoy using my rams online.

    Price
    8/10
    Features
    9/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    9/10
    Less
    Hansell, New South Wales reviewed over 4 years ago
  • Overall 9/10
    Great

    Really easy to deal with.

    Read full review

    Really easy to deal with.

    Price
    8/10
    Features
    9/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    9/10
    Less
    Peter, Queensland reviewed over 4 years ago
  • Overall 10/10
    Fantastic customer service

    They were wonderful to deal with, very helpful and compassionate when I had an accident.

    Read full review

    They were wonderful to deal with, very helpful and compassionate when I had an accident.

    Price
    9/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    9/10
    Trust
    10/10
    Less
    Irene, New South Wales reviewed almost 5 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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n/a

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fixed 3 years

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fixed 3 years

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fixed 3 years

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fixed 3 years

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$0.00

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Star Essentials Home Loan

2.39% p.a.

2.39% p.a.

$0.00

Promoted

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UHomeLoan - Discount Offer

2.59% p.a.

2.59% p.a.

$0.00

Promoted

Newcastle Permanent

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2.94% p.a.

3.34% p.a.

$395.00 yearly

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2.39% p.a.

2.42% p.a.

$0.00

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2.79% p.a.

$0.00

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2.69% p.a.

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2.59% p.a.

2.55% p.a.

$0.00

*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.