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
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 95% | $15,000 | |
| | Owner Occupier | Interest Only | < 80% | $15,000 | |
| | Investor | Principal & Interest | < 90% | $15,000 | |
| | Investor | Interest Only | < 80% | $15,000 |
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
Rates and fees information correct as at 20 September 2018.
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
$595.00
$0.00
$0.00
$285.00
none
$0.00
$295.00
$15,000
none
none
95.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes - free
$0.00
yes
yes
none
none
Rates and fees information correct as at 20 September 2018.
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
$595.00
$0.00
$0.00
$285.00
none
$0.00
$295.00
$15,000
none
none
80.00%
Owner Occupier
Interest Only
Monthly
yes - free
yes
yes - free
$0.00
yes
yes
none
none
Rates and fees information correct as at 20 September 2018.
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
$595.00
$0.00
$0.00
$285.00
none
$0.00
$295.00
$15,000
none
none
90.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes - free
$0.00
yes
yes
none
none
Rates and fees information correct as at 20 September 2018.
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
$595.00
$0.00
$0.00
$285.00
none
$0.00
$295.00
$15,000
none
none
80.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
yes
yes - free
$0.00
yes
yes
none
none
I Like the fact that easy to get to speak to a customer service person. Internet banking easy to...
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
Less
Rohan | Victoria
reviewed over 2 years ago
Really easy to deal with.
Read full review
Really easy to deal with.
Less
Peter | Queensland
reviewed almost 3 years ago
Great product. Enjoy using my rams online.
Read full review
Great product. Enjoy using my rams online.
Less
Hansell | New South Wales
reviewed almost 3 years ago
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.
Less
Irene | New South Wales
reviewed about 3 years ago
Rates are too high and once given the loan from the franchise there was no follow up ever and...
Read full review
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.
Less
Steven | New South Wales
reviewed about 3 years ago
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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