RAMS Line of Credit

6.39% p.a.

n/a

$20.00 monthly

6.39% p.a.

n/a

$20.00 monthly

Currently showing

Rates

  • 6.39% p.a.

  • n/a

  • 0 Months

  • none

  • n/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

  • $20.00 monthly

  • $295.00

Other financial bits

  • $15,000

  • none

  • none

  • 80.00%

Features

  • Owner Occupier

  • No set repayments

  • No set repayments

  • yes - free

  • n/a

  • yes - free

  • $0.00

  • yes

  • no

  • none

  • none

Rates

  • 6.39% p.a.

  • n/a

  • 0 Months

  • none

  • n/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

  • $20.00 monthly

  • $295.00

Other financial bits

  • $15,000

  • none

  • none

  • 80.00%

Features

  • Investor

  • No set repayments

  • No set repayments

  • yes - free

  • n/a

  • yes - free

  • $0.00

  • yes

  • no

  • none

  • none

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.

How are RAMS home loans rated by the Mozo community?

Product Type Overall Rating Price Features Service Convenience Trust
6.0

Based on 73
RAMS home loans reviews

6.4 5.8 6.1 5.7 6.1

Read RAMS home loan reviews by the Mozo community

Latest reviews of RAMS Line of Credit

RAMS

RAMS Line of Credit (Owner Occupier) home loan review

Overall rating   8 / 10

Excellent customer service and very flexible.

I used RAMS for my home loan, they were friendly flexible and gave a very personal service. The only complaint I have had were a few administrative errors at their head office where I have received calls for missed payments in error.

Full review

I used RAMS for my home loan, they were friendly flexible and gave a very personal service. The only complaint I have had were a few administrative errors at their head office where I have received calls for missed payments in error.

    Price   7 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   3 / 10

    Trust   7 / 10

Less

Stuart (VIC), reviewed over 1 year ago

RAMS

RAMS Line of Credit (Owner Occupier) home loan review

Overall rating   8 / 10

Does exactly what it says on the tin

This product serves my needs and as I understand how the different types of mortgages work, I can weigh this against the alternatives to ensure I am getting a good deal. Website and online facilities could be improved.

Full review

This product serves my needs and as I understand how the different types of mortgages work, I can weigh this against the alternatives to ensure I am getting a good deal. Website and online facilities could be improved.

    Price   7 / 10

    Features   7 / 10

    Customer service   -1 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Steven (NSW), reviewed over 4 years ago

RAMS

RAMS Line of Credit (Owner Occupier) home loan review

Overall rating   0 / 10

Never trust them - no matter how good they sound

I nearly lost my home as they used the fine print to take it away from me. I wouldn't trust or recommend them. Please look at your contracts and truly understand what it says.

Full review

I nearly lost my home as they used the fine print to take it away from me. I wouldn't trust or recommend them. Please look at your contracts and truly understand what it says.

    Price   4 / 10

    Features   -1 / 10

    Customer service   1 / 10

    Convenience   5 / 10

    Trust   0 / 10

Less

Marie (NSW), reviewed over 5 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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