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 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

5.41% p.a.

5.48% p.a.

$0.00

RAMS Full Feature

5.41% p.a.

5.48% p.a.

$0.00

6.00% p.a.

6.07% p.a.

$0.00

RAMS Full Feature

6.00% p.a.

6.07% p.a.

$0.00

5.92% p.a.

5.99% p.a.

$0.00

RAMS Full Feature

5.92% p.a.

5.99% p.a.

$0.00

6.46% p.a.

6.53% p.a.

$0.00

RAMS Full Feature

6.46% p.a.

6.53% p.a.

$0.00

Details

Rates and fees information correct as at 17 November 2018. 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

  • 0 Months

  • none

  • 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

  • none

  • $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

*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 17 November 2018. 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
  • 6.00% p.a.

  • n/a

  • 0 Months

  • none

  • 6.07% 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

  • none

  • $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

*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 17 November 2018. 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
  • 5.92% p.a.

  • n/a

  • 0 Months

  • none

  • 5.99% 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

  • none

  • $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

*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 17 November 2018. 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
  • 6.46% p.a.

  • n/a

  • 0 Months

  • none

  • 6.53% 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

  • none

  • $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

*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 Full Feature

  • 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...

    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

    Rohan | Victoria

    reviewed over 2 years ago

  • Overall
    9/10
    Great

    Really easy to deal with.

    Really easy to deal with.

    Price
    8/10
    Features
    9/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    9/10

    Peter | Queensland

    reviewed almost 3 years ago

  • Overall
    9/10
    Great product

    Great product. Enjoy using my rams online.

    Great product. Enjoy using my rams online.

    Price
    8/10
    Features
    9/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    9/10

    Hansell | New South Wales

    reviewed almost 3 years ago

  • Overall
    10/10
    Fantastic customer service

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

    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

    Irene | New South Wales

    reviewed over 3 years ago

  • Overall
    2/10
    Rates too high

    Rates are too high and once given the loan from the franchise there was no follow up ever and...

    Rates are too high and once given the loan from the franchise there was no follow up ever and when we called them direct they were rude and did not seem to want to help.

    Price
    1/10
    Features
    1/10
    Customer service
    3/10
    Convenience
    1/10
    Trust
    4/10

    Steven | New South Wales

    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.

See RAMS home loans

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3.82% p.a.

4.22% p.a.

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$600

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3.59% p.a.

$567

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3.65% p.a.

3.66% p.a.

$0

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3.59% p.a.

3.59% p.a.

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3.74% p.a.
fixed 3 years

4.01% p.a.

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Smart Loan Fixed (Package)

3.99% p.a.
fixed 3 years

4.31% p.a.

$520

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Newcastle Permanent

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Fixed Rate Home Loan

3.99% p.a.
fixed 3 years

4.82% p.a.

$0

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Virgin Money

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Reward Me Fixed Rate Home Loan

3.87% p.a.
fixed 3 years

4.02% p.a.

$150

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NAB

NAB

Tailored Home Loan (Fixed, Choice Package)

3.99% p.a.
fixed 3 years

4.86% p.a.

$0

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Bank Australia

Bank Australia

Basic Home Loan (Fixed)

3.89% p.a.
fixed 3 years

3.91% p.a.

$0

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Beyond Bank

Beyond Bank

Fixed Rate Total Home Loan (Package)

3.83% p.a.
fixed 3 years

4.89% p.a.

$0

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bcu

bcu

Fixed Rate Home Loan

3.90% p.a.
fixed 3 years

4.78% p.a.

$600

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Essentials Variable

3.64% p.a.

3.66% p.a.

$0.00

Promoted

HSBC

HSBC

Home Value Loan

3.59% p.a.

3.61% p.a.

$0.00

Promoted

State Custodians

State Custodians

Low Rate Home Loan with Offset

3.68% p.a.

3.69% p.a.

$0.00

Promoted

Bank Australia

Bank Australia

Basic Home Loan

3.65% p.a.

3.66% p.a.

$0.00

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Well Home Loans

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Well Balanced

3.49% p.a.

3.53% p.a.

$0.00

Promoted

Virgin Money

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Reward Me Variable Rate Home Loan

3.68% p.a.

3.82% p.a.

$10.00 monthly

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Newcastle Permanent

Newcastle Permanent

Variable Home Loan (Premium Plus Package)

3.72% p.a.

4.12% p.a.

$395.00 yearly

Promoted

Homestar

Homestar

Variable Rate Loan

3.54% p.a.

3.59% 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.