RAMS home loan reviews

RAMS
RAMS's overall rating for home loans

(as rated by the Mozo community)

6.0 / 10

based on 73 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   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 (VIC), reviewed over 2 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 (NSW), reviewed over 2 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 (VIC), reviewed over 2 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

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Shawn (QLD), reviewed over 2 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

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Yaninka (NSW), reviewed over 2 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

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Tommy (NSW), reviewed over 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

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Emily (VIC), reviewed over 2 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

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Danielle (NSW), reviewed over 2 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 (QLD), reviewed over 2 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 (NT), reviewed over 2 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 (NSW), reviewed over 2 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 (NT), reviewed almost 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 (NSW), reviewed almost 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 (ACT), reviewed almost 3 years ago

RAMS

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

Overall rating   10 / 10

Amazing

Great job Adelaide Central RAMS thanks to Stephen, Geoff, and Natasha.

Full review

Great job Adelaide Central RAMS thanks to Stephen, Geoff, and Natasha.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Stan (SA), reviewed almost 3 years ago

RAMS

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

Overall rating   8 / 10

Great customer service

Low interest rate.

Full review

Low interest rate.

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Sandeep (SA), reviewed almost 3 years ago

RAMS

RAMS home loan review

Overall rating   10 / 10

Always great personal service

Just refinanced to consolidate other debts, paperwork took longer than expected. Have been with Rams since 2000.

Full review

Just refinanced to consolidate other debts, paperwork took longer than expected. Have been with Rams since 2000.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Carolyn (NSW), reviewed almost 3 years ago

RAMS

RAMS home loan review

Overall rating   0 / 10

Premiums may be low but so are their tactics

After being with RAMS for quite a few years our mortgage was right down then as soon as you get down low they change you over to RHG with high interest rates.This should be illegal,as we weren't offered as they just changed us over.Rates might be...

Full review

After being with RAMS for quite a few years our mortgage was right down then as soon as you get down low they change you over to RHG with high interest rates.This should be illegal,as we weren't offered as they just changed us over.Rates might be low but as soon as you get your mortgage down they will change you over to RHG.

    Price   1 / 10

    Features   1 / 10

    Customer service   1 / 10

    Convenience   0 / 10

    Trust   0 / 10

Less

Janette (WA), reviewed almost 3 years ago

RAMS

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

Overall rating   9 / 10

They want to help you out

Have had no problems with them.

Full review

Have had no problems with them.

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   7 / 10

    Trust   9 / 10

Less

Darryl (VIC), reviewed about 3 years ago

RAMS

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

Overall rating   10 / 10

Fantastic customer service

They were wonderful to deal with, very helpful and compassionate when I had an accident.

Full review

They were wonderful to deal with, very helpful and compassionate when I had an accident.

    Price   9 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   10 / 10

Less

Irene (NSW), reviewed about 3 years ago

RAMS

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

Overall rating   10 / 10

Stupendous

I had the pleasure of dealing with the lovely girls down at RAMS at Mudgeeraba, it was good because I live in northern NSW and they were able to come to me and post everything I needed as well as update me throughout the whole process. Recommend...

Full review

I had the pleasure of dealing with the lovely girls down at RAMS at Mudgeeraba, it was good because I live in northern NSW and they were able to come to me and post everything I needed as well as update me throughout the whole process. Recommend 100%, go girls!

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Kim (NSW), reviewed about 3 years ago

RAMS

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

Overall rating   5 / 10

Fixed interest rates good

Product is good if you just want a low fixed interest loan and that's all, but customer service is bad as they don't return calls and are slow to follow up on queries. They even sent us a letter requesting immediate payment on an overdue account...

Full review

Product is good if you just want a low fixed interest loan and that's all, but customer service is bad as they don't return calls and are slow to follow up on queries. They even sent us a letter requesting immediate payment on an overdue account even though there was no actual overdue payments required as they had stuffed up and then they took an unacceptable time to get their records right.

    Price   7 / 10

    Features   0 / 10

    Customer service   2 / 10

    Convenience   3 / 10

    Trust   5 / 10

Less

John (SA), reviewed about 3 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 about 3 years ago

RAMS

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

Overall rating   2 / 10

Rates too high

Rates are too high and once given the loan from the franchise there was no follow up ever and when we called them direct they were rude and did not seem to want to help.

Full review

Rates are too high and once given the loan from the franchise there was no follow up ever and when we called them direct they were rude and did not seem to want to help.

    Price   1 / 10

    Features   1 / 10

    Customer service   3 / 10

    Convenience   1 / 10

    Trust   4 / 10

Less

Steven (NSW), reviewed about 3 years ago

RAMS

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

Overall rating   8 / 10

Great rates, great service

Great products.

Full review

Great products.

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Rebekah (WA), reviewed about 3 years ago

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Home loan comparisons on Mozo - rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2016

    loans.com.au Essentials Variable 80 (Owner Occupier, Principal & Interest)

    loans.com.au Essentials Variable 80 (Owner Occupier, Principal & Interest)

    • A super-low rate available to purchases & refinance
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product

    interest rate

    3.64% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $520

    Go to site

    More info

    • A super-low rate available to purchases & refinance
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 3.66% 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: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.2

    Based on 202 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • Aussie Select Basic Variable (LVR<80%, Owner Occupier, Principal & Interest)

    Aussie Select Basic Variable (LVR<80%, Owner Occupier, Principal & Interest)

    • A competitive rate available with no ongoing fees
    • Minimum of 5% deposit required for owner-occupied loans (conditions apply)
    • Reduce interest by making additional payments. Access your extra funds via a redraw facility

    interest rate

    3.69% p.a. variable

    comparison rate*

    3.70% p.a.

    upfront fees

    $330

    Go to site

    More info

    • A competitive rate available with no ongoing fees
    • Minimum of 5% deposit required for owner-occupied loans (conditions apply)
    • Reduce interest by making additional payments. Access your extra funds via a redraw facility
    • Interest rate: 3.69% p.a. variable
    • Comparison rate*: 3.70% p.a.
    • Upfront fees: $330
    • Ongoing fees: $0.00
    • Discharge fee: $535.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $5,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Fortnightly, Monthly
    Overall rating

    7.0

    Based on 52 Aussie home loan reviews

    Need more information?
    Go to site

    More info

  • NAB Base Variable Rate Home Loan (Owner Occupier, Principal & Interest)

    NAB Base Variable Rate Home Loan (Owner Occupier, Principal & Interest)

    • Low ongoing rate
    • No annual or monthly fees
    • Free extra repayments and redraw facility

    interest rate

    3.69% p.a. variable

    comparison rate*

    3.73% p.a.

    upfront fees

    $600

    Go to site

    More info

    • Low ongoing rate
    • No annual or monthly fees
    • Free extra repayments and redraw facility
    • Interest rate: 3.69% p.a. variable
    • Comparison rate*: 3.73% 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: 95.00%
    • Minimum loan amount: $20,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.2

    Based on 864 NAB home loan reviews

    Need more information?
    Go to site

    More info

  • UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    • A Low rate Home Loan with $0 application fees for variable rate, $0 ongoing fees, $0 annual fees
    • Choose between weekly, fortnightly or monthly repayments and make extra repayments for free on a variable rate home loan
    • 20% minimum deposit required

    interest rate

    3.59% p.a. variable

    comparison rate*

    3.59% p.a.

    upfront fees

    $0

    Go to site

    More info

    • A Low rate Home Loan with $0 application fees for variable rate, $0 ongoing fees, $0 annual fees
    • Choose between weekly, fortnightly or monthly repayments and make extra repayments for free on a variable rate home loan
    • 20% minimum deposit required
    • Interest rate: 3.59% p.a. variable
    • Comparison rate*: 3.59% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount: $699,999
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    4.8

    Based on 56 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    • Interest rate of 3.64% p.a. variable & a comparison rate* of 4.03% p.a.
    • Owner Occupier, Principal & Interest
    • Experts Choice - Australia's Best Customer-Owned Banking & Home Lender of the Year 2018

    interest rate

    3.72% p.a. variable

    comparison rate*

    4.12% p.a.

    upfront fees

    $0

    Go to site

    More info

    • Interest rate of 3.64% p.a. variable & a comparison rate* of 4.03% p.a.
    • Owner Occupier, Principal & Interest
    • Experts Choice - Australia's Best Customer-Owned Banking & Home Lender of the Year 2018
    • Interest rate: 3.72% p.a. variable
    • Comparison rate*: 4.12% p.a.
    • Upfront fees: $0
    • Ongoing fees: $395.00 yearly
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.5

    Based on 80 Newcastle Permanent home loan reviews

    Need more information?
    Go to site

    More info

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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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