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
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | 80%-95% | $150,000 | |
| | Owner Occupier | Principal & Interest | 70%-80% | $150,000 | |
| | Owner Occupier | Principal & Interest | < 70% | $150,000 | |
| | Owner Occupier | Interest Only | 70%-80% | $150,000 | |
| | Owner Occupier | Interest Only | < 70% | $150,000 | |
| | Investor | Principal & Interest | 80%-90% | $150,000 | |
| | Investor | Principal & Interest | 70%-80% | $150,000 | |
| | Investor | Principal & Interest | < 70% | $150,000 | |
| | Investor | Interest Only | 70%-80% | $150,000 | |
| | Investor | Interest Only | < 70% | $150,000 |
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
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
$0.00
$0.00
$0.00
$285.00
n/a
$375.00 yearly
$295.00
$150,000
none
80.00%
95.00%
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.
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
$0.00
$0.00
$0.00
$285.00
n/a
$375.00 yearly
$295.00
$150,000
none
70.00%
80.00%
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.
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
$0.00
$0.00
$0.00
$285.00
n/a
$375.00 yearly
$295.00
$150,000
none
none
70.00%
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.
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
$0.00
$0.00
$0.00
$285.00
n/a
$375.00 yearly
$295.00
$150,000
none
70.00%
80.00%
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.
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
$0.00
$0.00
$0.00
$285.00
n/a
$375.00 yearly
$295.00
$150,000
none
none
70.00%
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.
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
$0.00
$0.00
$0.00
$285.00
n/a
$375.00 yearly
$295.00
$150,000
none
80.00%
90.00%
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.
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
$0.00
$0.00
$0.00
$285.00
n/a
$375.00 yearly
$295.00
$150,000
none
70.00%
80.00%
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.
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
$0.00
$0.00
$0.00
$285.00
n/a
$375.00 yearly
$295.00
$150,000
none
none
70.00%
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.
3.99% p.a.
n/a
n/a
n/a
4.39% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$285.00
n/a
$375.00 yearly
$295.00
$150,000
none
70.00%
80.00%
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.
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
$0.00
$0.00
$0.00
$285.00
n/a
$375.00 yearly
$295.00
$150,000
none
none
70.00%
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.
Good for first home buyers because only 5% deposit is needed
Read full reviewGood for first home buyers because only 5% deposit is needed
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 reviewRAMS 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.
Great customer service.
Read full reviewGreat customer service.
Accounts not set up as I wanted them, branch manager was useless and cost me money.
Read full reviewAccounts not set up as I wanted them, branch manager was useless and cost me money.
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
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a. variable
2.47% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
2.18% p.a.
fixed 3 years
3.62% p.a.
Bank of Queensland
Fixed Rate
2.09% p.a.
fixed 3 years
3.01% p.a.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a. variable
2.47% p.a.
Newcastle Permanent
Variable Home Loan (Premium Plus Package)
2.94% p.a. variable
3.34% p.a.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a.
2.47% p.a.
Bank of Queensland
Economy
2.59% p.a.
2.76% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
2.18% p.a.
fixed 3 years
3.62% p.a.
Bank of Queensland
Fixed Rate
2.09% p.a.
fixed 3 years
3.01% p.a.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a.
2.47% p.a.
$0.00
Yard
Variable Home Loan Special
2.09% p.a.
2.12% 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.
