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RAMS Value Advantage (Package)

The details shown below are for an owner occupier taking out a principal & interest loan of at least $150,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $150,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $150,000 with an LVR below 70%

The details shown below are for an owner occupier taking out a interest only loan of at least $150,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan of at least $150,000 with an LVR below 70%

The details shown below are for an investor taking out a principal & interest loan of at least $150,000 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan of at least $150,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan of at least $150,000 with an LVR below 70%

The details shown below are for an investor taking out a interest only loan of at least $150,000 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan of at least $150,000 with an LVR below 70%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR 80%-95%

    Loan: $150,000

  • Owner Occupier (Principal & Interest)

    LVR 70%-80%

    Loan: $150,000

  • Owner Occupier (Principal & Interest)

    LVR < 70%

    Loan: $150,000

  • Owner Occupier (Interest Only)

    LVR 70%-80%

    Loan: $150,000

  • Owner Occupier (Interest Only)

    LVR < 70%

    Loan: $150,000

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $150,000

  • Investor (Principal & Interest)

    LVR 70%-80%

    Loan: $150,000

  • Investor (Principal & Interest)

    LVR < 70%

    Loan: $150,000

  • Investor (Interest Only)

    LVR 70%-80%

    Loan: $150,000

  • Investor (Interest Only)

    LVR < 70%

    Loan: $150,000

Rate
3.54% p.a.
Comparison Rate*
3.95% p.a.
Service fee
$375.00 yearly
Upfront fee
$285
Rate
3.29% p.a.
Comparison Rate*
3.70% p.a.
Service fee
$375.00 yearly
Upfront fee
$285
Rate
3.24% p.a.
Comparison Rate*
3.66% p.a.
Service fee
$375.00 yearly
Upfront fee
$285
Rate
3.89% p.a.
Comparison Rate*
4.29% p.a.
Service fee
$375.00 yearly
Upfront fee
$285
Rate
3.84% p.a.
Comparison Rate*
4.24% p.a.
Service fee
$375.00 yearly
Upfront fee
$285
Rate
3.94% p.a.
Comparison Rate*
4.34% p.a.
Service fee
$375.00 yearly
Upfront fee
$285
Rate
3.69% p.a.
Comparison Rate*
4.09% p.a.
Service fee
$375.00 yearly
Upfront fee
$285
Rate
3.64% p.a.
Comparison Rate*
4.05% p.a.
Service fee
$375.00 yearly
Upfront fee
$285
Rate
4.40% p.a.
Comparison Rate*
4.79% p.a.
Service fee
$375.00 yearly
Upfront fee
$285
Rate
4.35% p.a.
Comparison Rate*
4.74% p.a.
Service fee
$375.00 yearly
Upfront fee
$285

Details

Rates and fees information correct as at 11 August 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
  • 3.54% p.a.

  • n/a

  • n/a

  • n/a

  • 3.95% 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

  • n/a

  • $375.00 yearly

  • $295.00

Other financial bits
  • $150,000

  • 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 11 August 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
  • 3.29% p.a.

  • n/a

  • n/a

  • n/a

  • 3.70% 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

  • n/a

  • $375.00 yearly

  • $295.00

Other financial bits
  • $150,000

  • 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 11 August 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
  • 3.24% p.a.

  • n/a

  • n/a

  • n/a

  • 3.66% 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

  • n/a

  • $375.00 yearly

  • $295.00

Other financial bits
  • $150,000

  • 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 11 August 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
  • 3.89% p.a.

  • n/a

  • n/a

  • n/a

  • 4.29% 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

  • n/a

  • $375.00 yearly

  • $295.00

Other financial bits
  • $150,000

  • none

  • 70.00%

  • 80.00%

Features
  • Owner Occupier

  • 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 11 August 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
  • 3.84% p.a.

  • n/a

  • n/a

  • n/a

  • 4.24% 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

  • n/a

  • $375.00 yearly

  • $295.00

Other financial bits
  • $150,000

  • none

  • none

  • 70.00%

Features
  • Owner Occupier

  • 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 11 August 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
  • 3.94% p.a.

  • n/a

  • n/a

  • n/a

  • 4.34% 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

  • n/a

  • $375.00 yearly

  • $295.00

Other financial bits
  • $150,000

  • 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 11 August 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
  • 3.69% p.a.

  • n/a

  • n/a

  • n/a

  • 4.09% 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

  • n/a

  • $375.00 yearly

  • $295.00

Other financial bits
  • $150,000

  • 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 11 August 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
  • 3.64% p.a.

  • n/a

  • n/a

  • n/a

  • 4.05% 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

  • n/a

  • $375.00 yearly

  • $295.00

Other financial bits
  • $150,000

  • 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 11 August 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
  • 4.40% p.a.

  • n/a

  • n/a

  • n/a

  • 4.79% 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

  • n/a

  • $375.00 yearly

  • $295.00

Other financial bits
  • $150,000

  • 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 11 August 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
  • 4.35% p.a.

  • n/a

  • n/a

  • n/a

  • 4.74% 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

  • n/a

  • $375.00 yearly

  • $295.00

Other financial bits
  • $150,000

  • 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 customer rating
5.7/10

Based on 230 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

    Read full review

    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
    Less
    Yaninka, New South Wales reviewed over 4 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 around a minor default and were extremely helpful and friendly in the process.

    Read full review

    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
    Less
    Emily, Victoria reviewed over 4 years ago
  • Overall 7/10
    Competitive rates, great customer service

    Great customer service.

    Read full review

    Great customer service.

    Price
    7/10
    Features
    7/10
    Customer service
    7/10
    Convenience
    7/10
    Trust
    7/10
    Less
    Debra, New South Wales reviewed about 5 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.

    Read full review

    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
    Less
    Trevor, Western Australia reviewed almost 6 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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2.40% p.a.

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HSBC

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2.29% p.a.
fixed 3 years

2.95% p.a.

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ING

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2.59% p.a. variable

2.62% p.a.

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1.99% p.a.variable for 12 months and then 2.57% p.a. variable

2.55% p.a.

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UBank

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UHomeLoan - Discount Offer

2.49% p.a. variable

2.49% p.a.

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Bank of Queensland

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Economy

2.69% p.a. variable

2.86% p.a.

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Macquarie

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Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.60% p.a.

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Suncorp

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Back to Basics

2.78% p.a. variable

2.79% p.a.

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Newcastle Permanent

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Fixed Rate Home Loan (Premium Plus Package)

2.39% p.a.
fixed 3 years

3.66% p.a.

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HSBC

HSBC

Home Value Loan

2.65% p.a.

2.66% p.a.

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ING

ING

Mortgage Simplifier

2.59% p.a.

2.62% p.a.

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loans.com.au

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Smart Home Loan

2.57% p.a.

2.59% p.a.

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UBank

UBank

UHomeLoan - Discount Offer

2.49% p.a.

2.49% p.a.

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Bank of Queensland

Bank of Queensland

Economy

2.69% p.a.

2.86% p.a.

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Newcastle Permanent

Newcastle Permanent

Real Deal Home Loan

2.59% p.a.

2.63% p.a.

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Qudos Bank

Qudos Bank

Low Cost Home Loan (Package)

2.89% p.a.

2.89% p.a.

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Athena

Athena

Variable Home Loan

2.59% p.a.

2.55% p.a.

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HSBC

HSBC

Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% 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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Macquarie

Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.60% p.a.

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Suncorp

Suncorp

Fixed Home Loan (Home Package Plus)

2.49% p.a.
fixed 3 years

3.31% p.a.

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Bank of Queensland

Bank of Queensland

Fixed Rate

2.35% p.a.
fixed 3 years

3.44% p.a.

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Homestar

Homestar

Star Essentials Fixed Home Loan

n/a

n/a

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Qudos Bank

Qudos Bank

Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.82% p.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

ING

ING

Mortgage Simplifier

2.59% p.a.

2.62% p.a.

$0.00

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loans.com.au

loans.com.au

Smart Home Loan

2.57% p.a.

2.59% p.a.

$0.00

Promoted

Bank of Queensland

Bank of Queensland

Economy

2.69% p.a.

2.86% p.a.

$10.00 monthly

Promoted

People's Choice Credit Union

People's Choice Credit Union

Basic Variable Home Loan

2.69% p.a.

2.69% p.a.

$0.00

Promoted

Athena

Athena

Variable Home Loan

2.59% p.a.

2.55% p.a.

$0.00

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Tic:Toc

Tic:Toc

Variable Home Loan

2.39% p.a.

2.40% p.a.

$0.00

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Homestar

Homestar

Star Essentials Home Loan

2.39% p.a.

2.42% p.a.

$0.00

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Yard

Yard

Variable Home Loan Winter Special

2.39% p.a.

2.42% p.a.

$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.