RAMS Value Advantage (Package)

4.62% p.a.

5.01% p.a.

$375.00 yearly

4.37% p.a.

4.76% p.a.

$375.00 yearly

4.27% p.a.

4.66% p.a.

$375.00 yearly

4.47% p.a.

4.86% p.a.

$375.00 yearly

4.37% p.a.

4.76% p.a.

$375.00 yearly

5.21% p.a.

5.59% p.a.

$375.00 yearly

4.96% p.a.

5.34% p.a.

$375.00 yearly

4.86% p.a.

5.24% p.a.

$375.00 yearly

5.06% p.a.

5.44% p.a.

$375.00 yearly

4.96% p.a.

5.34% p.a.

$375.00 yearly

5.13% p.a.

5.51% p.a.

$375.00 yearly

4.88% p.a.

5.26% p.a.

$375.00 yearly

4.78% p.a.

5.16% p.a.

$375.00 yearly

4.98% p.a.

5.36% p.a.

$375.00 yearly

4.88% p.a.

5.26% p.a.

$375.00 yearly

5.67% p.a.

6.04% p.a.

$375.00 yearly

5.42% p.a.

5.79% p.a.

$375.00 yearly

5.32% p.a.

5.69% p.a.

$375.00 yearly

5.52% p.a.

5.89% p.a.

$375.00 yearly

5.42% p.a.

5.79% p.a.

$375.00 yearly

Currently showing

Rates

  • 4.62% p.a.

  • n/a

  • 0 Months

  • none

  • 5.01% 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

Rates

  • 4.37% p.a.

  • n/a

  • 0 Months

  • none

  • 4.76% 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

Rates

  • 4.27% p.a.

  • n/a

  • 0 Months

  • none

  • 4.66% 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

  • 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

Rates

  • 4.47% p.a.

  • n/a

  • 0 Months

  • none

  • 4.86% 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

Rates

  • 4.37% p.a.

  • n/a

  • 0 Months

  • none

  • 4.76% 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

Rates

  • 5.21% p.a.

  • n/a

  • 0 Months

  • none

  • 5.59% 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

Rates

  • 4.96% p.a.

  • n/a

  • 0 Months

  • none

  • 5.34% 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

  • 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

Rates

  • 4.86% p.a.

  • n/a

  • 0 Months

  • none

  • 5.24% 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

  • 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

Rates

  • 5.06% p.a.

  • n/a

  • 0 Months

  • none

  • 5.44% 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

Rates

  • 4.96% p.a.

  • n/a

  • 0 Months

  • none

  • 5.34% 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

  • 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

Rates

  • 5.13% p.a.

  • n/a

  • 0 Months

  • none

  • 5.51% 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

Rates

  • 4.88% p.a.

  • n/a

  • 0 Months

  • none

  • 5.26% 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

Rates

  • 4.78% p.a.

  • n/a

  • 0 Months

  • none

  • 5.16% 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

Rates

  • 4.98% p.a.

  • n/a

  • 0 Months

  • none

  • 5.36% 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

Rates

  • 4.88% p.a.

  • n/a

  • 0 Months

  • none

  • 5.26% 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

Rates

  • 5.67% p.a.

  • n/a

  • 0 Months

  • none

  • 6.04% 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

Rates

  • 5.42% p.a.

  • n/a

  • 0 Months

  • none

  • 5.79% 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

  • 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

Rates

  • 5.32% p.a.

  • n/a

  • 0 Months

  • none

  • 5.69% 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

Rates

  • 5.52% p.a.

  • n/a

  • 0 Months

  • none

  • 5.89% 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

Rates

  • 5.42% p.a.

  • n/a

  • 0 Months

  • none

  • 5.79% 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

  • 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

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 Value Advantage (Package)

RAMS

RAMS Value Advantage (Owner Occupier, Principal & Interest) (Package) home loan review

Overall rating   8 / 10

Great for first home buyers

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

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 (NSW), reviewed about 2 years ago

RAMS

RAMS Value Advantage (Owner Occupier, Principal & Interest) (Package) home loan review

Overall rating   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.

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 (VIC), reviewed about 2 years ago

RAMS

RAMS Value Advantage (Owner Occupier, Principal & Interest) (Package) home loan review

Overall rating   7 / 10

Competitive rates, great customer service

Great customer service.

Full review

Great customer service.

    Price   7 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   7 / 10

Less

Debra (NSW), reviewed almost 3 years ago

RAMS

RAMS Value Advantage (Owner Occupier, Principal & Interest) (Package) home loan review

Overall rating   4 / 10

Online service good but....

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

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 (WA), reviewed over 3 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.

*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.

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