RAMS home loan reviews

RAMS
RAMS's overall rating for home loans

(as rated by the Mozo community)

5.7 / 10

based on 215 reviews

Price

Features

Customer service

Convenience

Trust

Featured home loan from RAMS

Recent RAMS home loan reviews

RAMS

RAMS Line of Credit (Owner Occupier) home loan review

Overall rating   10 / 10

Great service

good bank to deal with

Full review

good bank to deal with

    Price   9 / 10

Less

John, Queensland, reviewed almost 2 years ago

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, Victoria, reviewed almost 3 years ago

RAMS

RAMS Fixed Rate (Owner Occupier, Principal & Interest) home loan review

Overall rating   8 / 10

Great rates and good cutomer service

It is easy to deal, better interest rates.

Full review

It is easy to deal, better interest rates.

    Price   7 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   7 / 10

Less

Abarna, New South Wales, reviewed almost 3 years ago

RAMS

RAMS Full Feature (Owner Occupier, Principal & Interest) home loan review

Overall rating   8 / 10

Overall a good product backed by excellent service

I Like the fact that easy to get to speak to a customer service person. Internet banking easy to use for redraw etc. Don't like the fact that interest increases a letter appears the next day in the mail. Decreases in interest rates take a lot...

Full review

I Like the fact that easy to get to speak to a customer service person. Internet banking easy to use for redraw etc. Don't like the fact that interest increases a letter appears the next day in the mail. Decreases in interest rates take a lot longer. Regular statements

    Price   7 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   7 / 10

Less

Rohan, Victoria, reviewed almost 3 years ago

RAMS

RAMS Fixed Rate (Owner Occupier, Principal & Interest) home loan review

Overall rating   7 / 10

Excellent service that is always a pleasure .

They look after us always ready to help.

Full review

They look after us always ready to help.

    Price   7 / 10

    Features   6 / 10

    Customer service   8 / 10

    Convenience   7 / 10

    Trust   6 / 10

Less

Shawn, Queensland, reviewed about 3 years ago

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, New South Wales, reviewed about 3 years ago

RAMS

RAMS Fixed Rate (Owner Occupier, Principal & Interest) home loan review

Overall rating   10 / 10

Awesome

I love RAMS they are the best bank I ever been with they are so easy to talk to and work with them through any issues.

Full review

I love RAMS they are the best bank I ever been with they are so easy to talk to and work with them through any issues.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Tommy, New South Wales, reviewed about 3 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, Victoria, reviewed about 3 years ago

RAMS

RAMS Fixed Rate (Owner Occupier, Principal & Interest) home loan review

Overall rating   9 / 10

Excellent customer service.

RAMS went above and beyond with helping me with my construction loan. From start to finish they were helpful and took the time to explain every step with me.

Full review

RAMS went above and beyond with helping me with my construction loan. From start to finish they were helpful and took the time to explain every step with me.

    Price   8 / 10

    Features   2 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   8 / 10

Less

Danielle, New South Wales, reviewed about 3 years ago

RAMS

RAMS Full Feature (Owner Occupier, Principal & Interest) home loan review

Overall rating   9 / 10

Great

Really easy to deal with.

Full review

Really easy to deal with.

    Price   8 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Peter, Queensland, reviewed over 3 years ago

RAMS

RAMS Fixed Rate (Owner Occupier, Principal & Interest) home loan review

Overall rating   10 / 10

Great Experience and Rate

Gary from the Sunbury Branch helped me through a difficult home loan application. He was extremely helpful and kept me informed along the way. He went over and above to help get me a loan with a great interest rate. Great experience.

Full review

Gary from the Sunbury Branch helped me through a difficult home loan application. He was extremely helpful and kept me informed along the way. He went over and above to help get me a loan with a great interest rate. Great experience.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Brett, Northern Territory, reviewed over 3 years ago

RAMS

RAMS Full Feature (Owner Occupier, Principal & Interest) home loan review

Overall rating   9 / 10

Great product

Great product. Enjoy using my rams online.

Full review

Great product. Enjoy using my rams online.

    Price   8 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   9 / 10

Less

Hansell, New South Wales, reviewed over 3 years ago

RAMS

RAMS Fixed Rate (Owner Occupier, Principal & Interest) home loan review

Overall rating   7 / 10

Made life so easy for me to get what I wanted

They helped me and made process bearable when I was in a tough time. The customer service was absolutely fantastic as I had a great person working with me, so I could get my needs met.

Full review

They helped me and made process bearable when I was in a tough time. The customer service was absolutely fantastic as I had a great person working with me, so I could get my needs met.

    Price   7 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   8 / 10

Less

Joan, Northern Territory, reviewed over 3 years ago

RAMS

RAMS home loan review

Overall rating   0 / 10

Missed settlement

Rams agent had all details requested for one month prior to finding home, then started asking for extra ID, even though she had everything. Settlement is tomorrow, documents still unsubmitted.

Full review

Rams agent had all details requested for one month prior to finding home, then started asking for extra ID, even though she had everything. Settlement is tomorrow, documents still unsubmitted.

    Price   7 / 10

    Features   7 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

Less

A, New South Wales, reviewed over 3 years ago

RAMS

RAMS Fixed Rate (Owner Occupier, Principal & Interest) home loan review

Overall rating   4 / 10

Good rate but poor customer service.

Communication not very good.

Full review

Communication not very good.

    Price   7 / 10

    Features   3 / 10

    Customer service   5 / 10

    Convenience   4 / 10

    Trust   4 / 10

Less

Lorna, Australian Capital Territory, 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.

Home loan comparisons on Mozo - rates updated daily

  • HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager

    interest rate

    3.59% p.a. variable

    comparison rate*

    3.61% p.a.

    upfront fees

    $150

    Go to site

    More info

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager
    • Interest rate: 3.59% p.a. variable
    • Comparison rate*: 3.61% p.a.
    • Upfront fees: $150
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free online
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $7,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.0

    Based on 109 HSBC home loan reviews

    Need more information?
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    More info

  • loans.com.au Smart Home Loan (Owner Occupier, Principal & Interest)

    loans.com.au Smart Home Loan (Owner Occupier, Principal & Interest)

    • For purchase and refinance, min 20% deposit
    • No application or ongoing fees
    • Unlimited redraws and additional repayments

    interest rate

    3.48% p.a. variable

    comparison rate*

    3.50% p.a.

    upfront fees

    $520

    Go to site

    More info

    • For purchase and refinance, min 20% deposit
    • No application or ongoing fees
    • Unlimited redraws and additional repayments
    • Interest rate: 3.48% p.a. variable
    • Comparison rate*: 3.50% p.a.
    • Upfront fees: $520
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.2

    Based on 636 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2019

    Well Home Loans Well Balanced (Owner Occupier, Principal & Interest, LVR <80%)

    Well Home Loans Well Balanced (Owner Occupier, Principal & Interest, LVR <80%)

    • Well Balanced home loan is a low rate home loan with free online redraw and no valuation fee.
    • Purchase, Refinance or Equity Release purposes allowed
    • Optional 100% interest offset sub-account with Visa debit card access

    interest rate

    3.49% p.a. variable

    comparison rate*

    3.53% p.a.

    upfront fees

    $850

    Go to site

    More info

    • Well Balanced home loan is a low rate home loan with free online redraw and no valuation fee.
    • Purchase, Refinance or Equity Release purposes allowed
    • Optional 100% interest offset sub-account with Visa debit card access
    • Interest rate: 3.49% p.a. variable
    • Comparison rate*: 3.53% p.a.
    • Upfront fees: $850
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes - $10/month
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
    Go to site

    More info

  • Bank Australia Basic Home Loan Special (LVR<80%, Owner Occupier)

    Bank Australia Basic Home Loan Special (LVR<80%, Owner Occupier)

    • Special rate of 3.66% p.a. comparison rate applies to a maximum LVR of 80%
    • Redraw available. Flexible repayments
    • Loan repayment pause for eco-upgrades to your home or maternity leave

    interest rate

    3.76% p.a. variable

    comparison rate*

    3.77% p.a.

    upfront fees

    $0

    Go to site

    More info

    • Special rate of 3.66% p.a. comparison rate applies to a maximum LVR of 80%
    • Redraw available. Flexible repayments
    • Loan repayment pause for eco-upgrades to your home or maternity leave
    • Interest rate: 3.76% p.a. variable
    • Comparison rate*: 3.77% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.8

    Based on 79 Bank Australia home loan reviews

    Need more information?
    Go to site

    More info

  • Bank First First Rate Home Loan (Owner Occupier, Principal & Interest, LVR<80%)

    Bank First First Rate Home Loan (Owner Occupier, Principal & Interest, LVR<80%)

    • Flexible weekly, fortnightly or monthly repayments
    • Free redraw with a $500 minimum.
    • No annual package fee

    interest rate

    3.72% p.a. variable

    comparison rate*

    3.77% p.a.

    upfront fees

    $600

    Go to site

    More info

    • Flexible weekly, fortnightly or monthly repayments
    • Free redraw with a $500 minimum.
    • No annual package fee
    • Interest rate: 3.72% p.a. variable
    • Comparison rate*: 3.77% p.a.
    • Upfront fees: $600
    • Ongoing fees: $0.00
    • Discharge fee: $350.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.9

    Based on 43 Bank First home loan reviews

    Need more information?
    Go to site

    More info

*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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*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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