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 principal & interest loan of at least $15,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $15,000 with an LVR below 70%
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 owner occupier taking out a interest only loan of at least $15,000 with an LVR below 70%
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 principal & interest 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 70%
The details shown below are for an investor taking out a interest only 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%
The details shown below are for an investor taking out a interest only loan of at least $15,000 with an LVR below 70%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | 80%-95% | $15,000 | |
| | Owner Occupier | Principal & Interest | 70%-80% | $15,000 | |
| | Owner Occupier | Principal & Interest | < 70% | $15,000 | |
| | Owner Occupier | Interest Only | 70%-80% | $15,000 | |
| | Owner Occupier | Interest Only | < 70% | $15,000 | |
| | Investor | Principal & Interest | 80%-90% | $15,000 | |
| | Investor | Principal & Interest | 70%-80% | $15,000 | |
| | Investor | Principal & Interest | < 70% | $15,000 | |
| | Investor | Interest Only | 80%-90% | $15,000 | |
| | Investor | Interest Only | 70%-80% | $15,000 | |
| | Investor | Interest Only | < 70% | $15,000 |
Owner Occupier (Principal & Interest)
LVR 80%-95%
Loan: $15,000
Owner Occupier (Principal & Interest)
LVR 70%-80%
Loan: $15,000
Owner Occupier (Principal & Interest)
LVR < 70%
Loan: $15,000
Owner Occupier (Interest Only)
LVR 70%-80%
Loan: $15,000
Owner Occupier (Interest Only)
LVR < 70%
Loan: $15,000
Investor (Principal & Interest)
LVR 80%-90%
Loan: $15,000
Investor (Principal & Interest)
LVR 70%-80%
Loan: $15,000
Investor (Principal & Interest)
LVR < 70%
Loan: $15,000
Investor (Interest Only)
LVR 80%-90%
Loan: $15,000
Investor (Interest Only)
LVR 70%-80%
Loan: $15,000
Investor (Interest Only)
LVR < 70%
Loan: $15,000
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
$595.00
$0.00
$0.00
$285.00
n/a
$0.00
$295.00
$15,000
none
80.00%
95.00%
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.
4.36% p.a.
n/a
n/a
n/a
4.42% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$595.00
$0.00
$0.00
$285.00
n/a
$0.00
$295.00
$15,000
none
70.00%
80.00%
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.
4.31% p.a.
n/a
n/a
n/a
4.37% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$595.00
$0.00
$0.00
$285.00
n/a
$0.00
$295.00
$15,000
none
none
70.00%
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.
4.95% p.a.
n/a
n/a
n/a
5.01% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$595.00
$0.00
$0.00
$285.00
n/a
$0.00
$295.00
$15,000
none
70.00%
80.00%
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.
4.90% p.a.
n/a
n/a
n/a
4.96% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$595.00
$0.00
$0.00
$285.00
n/a
$0.00
$295.00
$15,000
none
none
70.00%
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.
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
$595.00
$0.00
$0.00
$285.00
n/a
$0.00
$295.00
$15,000
none
80.00%
90.00%
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.
4.87% p.a.
n/a
n/a
n/a
4.93% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$595.00
$0.00
$0.00
$285.00
n/a
$0.00
$295.00
$15,000
none
70.00%
80.00%
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.
4.82% p.a.
n/a
n/a
n/a
4.88% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$595.00
$0.00
$0.00
$285.00
n/a
$0.00
$295.00
$15,000
none
none
70.00%
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.
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
$595.00
$0.00
$0.00
$285.00
n/a
$0.00
$295.00
$15,000
none
80.00%
90.00%
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.
5.16% p.a.
n/a
n/a
n/a
5.23% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$595.00
$0.00
$0.00
$285.00
n/a
$0.00
$295.00
$15,000
none
70.00%
80.00%
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.
5.11% p.a.
n/a
n/a
n/a
5.17% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$595.00
$0.00
$0.00
$285.00
n/a
$0.00
$295.00
$15,000
none
none
70.00%
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.
The worst service ever, I was on a covid package and needed to fix my home loan interest rate. They put my account in collections and are lying to cover their mistake. Everyone we have dealt with has disappeared. They have ruined our account and credit rating!
Read full reviewThe worst service ever, I was on a covid package and needed to fix my home loan interest rate. They put my account in collections and are lying to cover their mistake. Everyone we have dealt with has disappeared. They have ruined our account and credit rating!
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 reviewWe 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.
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 reviewI 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
Great product. Enjoy using my rams online.
Read full reviewGreat product. Enjoy using my rams online.
Really easy to deal with.
Read full reviewReally easy to deal with.
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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1.84% p.a.
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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.
