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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 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 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 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 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

  • Owner Occupier (Principal & Interest)

    LVR 70%-80%

    Loan: $15,000

  • Owner Occupier (Principal & Interest)

    LVR < 70%

    Loan: $15,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-95%

    Loan: $15,000

  • Owner Occupier (Interest Only)

    LVR < 70%

    Loan: $15,000

  • Owner Occupier (Interest Only)

    LVR 70%-80%

    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

Rate
4.36% p.a.
Comparison Rate*
4.42% p.a.
Service fee
$0.00
Upfront fee
$880
Rate
4.31% p.a.
Comparison Rate*
4.37% p.a.
Service fee
$0.00
Upfront fee
$880
Rate
4.61% p.a.
Comparison Rate*
4.67% p.a.
Service fee
$0.00
Upfront fee
$880
Rate
4.90% p.a.
Comparison Rate*
4.96% 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
4.87% p.a.
Comparison Rate*
4.93% p.a.
Service fee
$0.00
Upfront fee
$880
Rate
4.82% p.a.
Comparison Rate*
4.88% 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
Rate
5.16% p.a.
Comparison Rate*
5.23% p.a.
Service fee
$0.00
Upfront fee
$880
Rate
5.11% p.a.
Comparison Rate*
5.17% p.a.
Service fee
$0.00
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
  • 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

Fees
  • $595.00

  • $0.00

  • $0.00

  • $285.00

  • n/a

  • $0.00

  • $295.00

Other financial bits
  • $15,000

  • none

  • 70.00%

  • 80.00%

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 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
  • 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

Fees
  • $595.00

  • $0.00

  • $0.00

  • $285.00

  • n/a

  • $0.00

  • $295.00

Other financial bits
  • $15,000

  • none

  • none

  • 70.00%

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 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
  • 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

  • 80.00%

  • 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 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
  • 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

Fees
  • $595.00

  • $0.00

  • $0.00

  • $285.00

  • n/a

  • $0.00

  • $295.00

Other financial bits
  • $15,000

  • none

  • none

  • 70.00%

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 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
  • 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

  • 70.00%

  • 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 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
  • 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

  • 80.00%

  • 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 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
  • 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

Fees
  • $595.00

  • $0.00

  • $0.00

  • $285.00

  • n/a

  • $0.00

  • $295.00

Other financial bits
  • $15,000

  • none

  • 70.00%

  • 80.00%

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 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
  • 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

Fees
  • $595.00

  • $0.00

  • $0.00

  • $285.00

  • n/a

  • $0.00

  • $295.00

Other financial bits
  • $15,000

  • none

  • none

  • 70.00%

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 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
  • 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

  • 80.00%

  • 90.00%

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.

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
  • 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

Fees
  • $595.00

  • $0.00

  • $0.00

  • $285.00

  • n/a

  • $0.00

  • $295.00

Other financial bits
  • $15,000

  • none

  • 70.00%

  • 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.

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
  • 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

Fees
  • $595.00

  • $0.00

  • $0.00

  • $285.00

  • n/a

  • $0.00

  • $295.00

Other financial bits
  • $15,000

  • none

  • none

  • 70.00%

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
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 Full Feature

  • Overall 1/10
    Biggest mistake I made is having a RAMS home loan.

    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 review

    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!

    Price
    1/10
    Features
    1/10
    Customer service
    1/10
    Convenience
    1/10
    Trust
    1/10
    Less
    Michelle, Victoria reviewed 16 days ago
  • 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 11 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 almost 5 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 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.

See RAMS home loans

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2.50% p.a.

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HSBC

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Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% p.a.

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UBank

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2.49% p.a.

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Athena

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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

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AMP Bank

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2.59% p.a. variable

3.00% p.a.

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homeloans.com.au

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Low Rate Home Loan

2.54% p.a. variable

2.55% p.a.

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ING

ING

Mortgage Simplifier

2.49% p.a.

2.52% p.a.

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loans.com.au

loans.com.au

Smart Home Loan

2.48% p.a.

2.50% p.a.

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Suncorp

Suncorp

Back to Basics

2.68% p.a.

2.69% p.a.

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UBank

UBank

UHomeLoan - Discount Offer

2.49% p.a.

2.49% p.a.

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homeloans.com.au

homeloans.com.au

Low Rate Home Loan

2.54% p.a.

2.55% p.a.

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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

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IMB Bank

IMB Bank

Budget Home Loan

2.61% p.a.

2.67% p.a.

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Yard

Yard

Variable Home Loan Special

2.19% p.a.

2.22% p.a.

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ING

ING

Fixed Rate Loan (Owner Occupiers with Orange Advantage)

2.34% p.a.
fixed 3 years

3.67% p.a.

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UBank

UBank

UHomeLoan (1 Year Fixed)

n/a

n/a

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Suncorp

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Fixed Home Loan (Home Package Plus)

2.49% p.a.
fixed 3 years

3.28% p.a.

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HSBC

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Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% p.a.

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loans.com.au

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Fixed Home Loan

n/a

n/a

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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.

Promoted

ING

ING

Mortgage Simplifier

2.49% p.a.

2.52% p.a.

$0.00

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.48% p.a.

2.50% p.a.

$0.00

Promoted

Bank of Queensland

Bank of Queensland

Economy

2.59% p.a.

2.76% p.a.

$10.00 monthly

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

$0.00

Promoted

homeloans.com.au

homeloans.com.au

Low Rate Home Loan

2.54% p.a.

2.55% p.a.

$0.00

Promoted

AMP Bank

AMP Bank

Variable Rate Loan (Professional Package)

2.59% p.a.

3.00% p.a.

$349.00 yearly

Promoted

ING

ING

Orange Advantage (Package)

2.54% p.a.

2.89% p.a.

$299.00 yearly

Promoted

Athena

Athena

AcceleRATES Variable Home Loan

2.54% p.a.Apply now to get this rate from 30 Sep

2.46% p.a.Apply now to get this rate from 30 Sep

$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.