RAMS Value Advantage (Package)

The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $249,999 with an LVR below 95%

The details shown below are for an owner occupier taking out a principal & interest loan between $250,000 and $499,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $500,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $250,000 and $499,999 with an LVR below 95%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $500,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan between $150,000 and $249,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan between $250,000 and $499,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan of at least $500,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan between $250,000 and $499,999 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan of at least $500,000 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan between $150,000 and $249,999 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan between $250,000 and $499,999 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan of at least $500,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $250,000 and $499,999 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan of at least $500,000 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan between $150,000 and $249,999 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan between $250,000 and $499,999 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan of at least $500,000 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan between $250,000 and $499,999 with an LVR below 95%

The details shown below are for an investor taking out a interest only loan of at least $500,000 with an LVR below 95%

Choose the version of loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $150,000 $249,999

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $250,000 $499,999

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $500,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-95%

    Loan: $250,000 $499,999

  • Owner Occupier (Principal & Interest)

    LVR 80%-95%

    Loan: $500,000

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $150,000 $249,999

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $250,000 $499,999

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $500,000

  • Owner Occupier (Interest Only)

    LVR 80%-95%

    Loan: $250,000 $499,999

  • Owner Occupier (Interest Only)

    LVR 80%-95%

    Loan: $500,000

  • Investor (Principal & Interest)

    LVR < 90%

    Loan: $150,000 $249,999

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $250,000 $499,999

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $500,000

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $250,000 $499,999

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $500,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $150,000 $249,999

  • Investor (Interest Only)

    LVR < 80%

    Loan: $250,000 $499,999

  • Investor (Interest Only)

    LVR < 80%

    Loan: $500,000

  • Investor (Interest Only)

    LVR 80%-95%

    Loan: $250,000 $499,999

  • Investor (Interest Only)

    LVR 80%-95%

    Loan: $500,000

4.76% p.a.

5.14% p.a.

$375.00 yearly

RAMS Value Advantage (Package)

4.76% p.a.

5.14% p.a.

$375.00 yearly

4.51% p.a.

4.90% p.a.

$375.00 yearly

RAMS Value Advantage (Package)

4.51% p.a.

4.90% p.a.

$375.00 yearly

4.41% p.a.

4.80% p.a.

$375.00 yearly

RAMS Value Advantage (Package)

4.41% p.a.

4.80% p.a.

$375.00 yearly

4.61% p.a.

5.00% p.a.

$375.00 yearly

RAMS Value Advantage (Package)

4.61% p.a.

5.00% p.a.

$375.00 yearly

4.51% p.a.

4.90% p.a.

$375.00 yearly

RAMS Value Advantage (Package)

4.51% p.a.

4.90% p.a.

$375.00 yearly

5.35% p.a.

5.72% p.a.

$375.00 yearly

RAMS Value Advantage (Package)

5.35% p.a.

5.72% p.a.

$375.00 yearly

5.10% p.a.

5.48% p.a.

$375.00 yearly

RAMS Value Advantage (Package)

5.10% p.a.

5.48% p.a.

$375.00 yearly

5.00% p.a.

5.38% p.a.

$375.00 yearly

RAMS Value Advantage (Package)

5.00% p.a.

5.38% p.a.

$375.00 yearly

5.20% p.a.

5.58% p.a.

$375.00 yearly

RAMS Value Advantage (Package)

5.20% p.a.

5.58% p.a.

$375.00 yearly

5.10% p.a.

5.48% p.a.

$375.00 yearly

RAMS Value Advantage (Package)

5.10% p.a.

5.48% p.a.

$375.00 yearly

5.27% p.a.

5.64% p.a.

$375.00 yearly

RAMS Value Advantage (Package)

5.27% p.a.

5.64% p.a.

$375.00 yearly

5.02% p.a.

5.40% p.a.

$375.00 yearly

RAMS Value Advantage (Package)

5.02% p.a.

5.40% p.a.

$375.00 yearly

4.92% p.a.

5.30% p.a.

$375.00 yearly

RAMS Value Advantage (Package)

4.92% p.a.

5.30% p.a.

$375.00 yearly

5.12% p.a.

5.50% p.a.

$375.00 yearly

RAMS Value Advantage (Package)

5.12% p.a.

5.50% p.a.

$375.00 yearly

5.02% p.a.

5.40% p.a.

$375.00 yearly

RAMS Value Advantage (Package)

5.02% p.a.

5.40% p.a.

$375.00 yearly

5.81% p.a.

6.18% p.a.

$375.00 yearly

RAMS Value Advantage (Package)

5.81% p.a.

6.18% p.a.

$375.00 yearly

5.56% p.a.

5.93% p.a.

$375.00 yearly

RAMS Value Advantage (Package)

5.56% p.a.

5.93% p.a.

$375.00 yearly

5.46% p.a.

5.83% p.a.

$375.00 yearly

RAMS Value Advantage (Package)

5.46% p.a.

5.83% p.a.

$375.00 yearly

5.66% p.a.

6.03% p.a.

$375.00 yearly

RAMS Value Advantage (Package)

5.66% p.a.

6.03% p.a.

$375.00 yearly

5.56% p.a.

5.93% p.a.

$375.00 yearly

RAMS Value Advantage (Package)

5.56% p.a.

5.93% p.a.

$375.00 yearly

Details

Rates and fees information correct as at 25 September 2018.

Rates
  • 4.76% p.a.

  • n/a

  • 0 Months

  • none

  • 5.14% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $285.00

  • none

  • $375.00 yearly

  • $295.00

Other financial bits
  • $150,000

  • $249,999

  • none

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 25 September 2018.

Rates
  • 4.51% p.a.

  • n/a

  • 0 Months

  • none

  • 4.90% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $285.00

  • none

  • $375.00 yearly

  • $295.00

Other financial bits
  • $250,000

  • $499,999

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 25 September 2018.

Rates
  • 4.41% p.a.

  • n/a

  • 0 Months

  • none

  • 4.80% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $285.00

  • none

  • $375.00 yearly

  • $295.00

Other financial bits
  • $500,000

  • none

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 25 September 2018.

Rates
  • 4.61% p.a.

  • n/a

  • 0 Months

  • none

  • 5.00% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $285.00

  • none

  • $375.00 yearly

  • $295.00

Other financial bits
  • $250,000

  • $499,999

  • 80.00%

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 25 September 2018.

Rates
  • 4.51% p.a.

  • n/a

  • 0 Months

  • none

  • 4.90% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $285.00

  • none

  • $375.00 yearly

  • $295.00

Other financial bits
  • $500,000

  • none

  • 80.00%

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 25 September 2018.

Rates
  • 5.35% p.a.

  • n/a

  • 0 Months

  • none

  • 5.72% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $285.00

  • none

  • $375.00 yearly

  • $295.00

Other financial bits
  • $150,000

  • $249,999

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 25 September 2018.

Rates
  • 5.10% 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
  • $0.00

  • $0.00

  • $0.00

  • $285.00

  • none

  • $375.00 yearly

  • $295.00

Other financial bits
  • $250,000

  • $499,999

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 25 September 2018.

Rates
  • 5.00% p.a.

  • n/a

  • 0 Months

  • none

  • 5.38% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $285.00

  • none

  • $375.00 yearly

  • $295.00

Other financial bits
  • $500,000

  • none

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 25 September 2018.

Rates
  • 5.20% p.a.

  • n/a

  • 0 Months

  • none

  • 5.58% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $285.00

  • none

  • $375.00 yearly

  • $295.00

Other financial bits
  • $250,000

  • $499,999

  • 80.00%

  • 95.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 25 September 2018.

Rates
  • 5.10% 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
  • $0.00

  • $0.00

  • $0.00

  • $285.00

  • none

  • $375.00 yearly

  • $295.00

Other financial bits
  • $500,000

  • none

  • 80.00%

  • 95.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 25 September 2018.

Rates
  • 5.27% p.a.

  • n/a

  • 0 Months

  • none

  • 5.64% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $285.00

  • none

  • $375.00 yearly

  • $295.00

Other financial bits
  • $150,000

  • $249,999

  • none

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 25 September 2018.

Rates
  • 5.02% p.a.

  • n/a

  • 0 Months

  • none

  • 5.40% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $285.00

  • none

  • $375.00 yearly

  • $295.00

Other financial bits
  • $250,000

  • $499,999

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 25 September 2018.

Rates
  • 4.92% p.a.

  • n/a

  • 0 Months

  • none

  • 5.30% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $285.00

  • none

  • $375.00 yearly

  • $295.00

Other financial bits
  • $500,000

  • none

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 25 September 2018.

Rates
  • 5.12% p.a.

  • n/a

  • 0 Months

  • none

  • 5.50% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $285.00

  • none

  • $375.00 yearly

  • $295.00

Other financial bits
  • $250,000

  • $499,999

  • 80.00%

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 25 September 2018.

Rates
  • 5.02% p.a.

  • n/a

  • 0 Months

  • none

  • 5.40% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $285.00

  • none

  • $375.00 yearly

  • $295.00

Other financial bits
  • $500,000

  • none

  • 80.00%

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 25 September 2018.

Rates
  • 5.81% p.a.

  • n/a

  • 0 Months

  • none

  • 6.18% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $285.00

  • none

  • $375.00 yearly

  • $295.00

Other financial bits
  • $150,000

  • $249,999

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 25 September 2018.

Rates
  • 5.56% p.a.

  • n/a

  • 0 Months

  • none

  • 5.93% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $285.00

  • none

  • $375.00 yearly

  • $295.00

Other financial bits
  • $250,000

  • $499,999

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 25 September 2018.

Rates
  • 5.46% p.a.

  • n/a

  • 0 Months

  • none

  • 5.83% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $285.00

  • none

  • $375.00 yearly

  • $295.00

Other financial bits
  • $500,000

  • none

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 25 September 2018.

Rates
  • 5.66% p.a.

  • n/a

  • 0 Months

  • none

  • 6.03% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $285.00

  • none

  • $375.00 yearly

  • $295.00

Other financial bits
  • $250,000

  • $499,999

  • 80.00%

  • 95.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 25 September 2018.

Rates
  • 5.56% p.a.

  • n/a

  • 0 Months

  • none

  • 5.93% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $285.00

  • none

  • $375.00 yearly

  • $295.00

Other financial bits
  • $500,000

  • none

  • 80.00%

  • 95.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

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 Value Advantage (Package)

  • Overall
    8/10
    Great for first home buyers

    Good for first home buyers because only 5% deposit is needed

    Good for first home buyers because only 5% deposit is needed

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

    Yaninka | New South Wales

    reviewed over 2 years ago

  • Overall
    8/10
    Competitive rates, and flexible lending criteria

    RAMS were really great to deal with turned our loan application around in 4 days. were flexible...

    RAMS were really great to deal with turned our loan application around in 4 days. were flexible around a minor default and were extremely helpful and friendly in the process.

    Price
    8/10
    Features
    6/10
    Customer service
    9/10
    Convenience
    5/10
    Trust
    8/10

    Emily | Victoria

    reviewed over 2 years ago

  • Overall
    7/10
    Competitive rates, great customer service

    Great customer service.

    Great customer service.

    Price
    7/10
    Features
    7/10
    Customer service
    7/10
    Convenience
    7/10
    Trust
    7/10

    Debra | New South Wales

    reviewed about 3 years ago

  • Overall
    4/10
    Online service good but....

    Accounts not set up as I wanted them, branch manager was useless and cost me money.

    Accounts not set up as I wanted them, branch manager was useless and cost me money.

    Price
    3/10
    Features
    4/10
    Customer service
    5/10
    Convenience
    5/10
    Trust
    5/10

    Trevor | Western Australia

    reviewed about 4 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

*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.