RAMS Home Loans
Rams Home Loans are a highly awarded non-bank lender and understand how important it is to achieve the goal of owning your own home – even if other aspects of the great Australian dream have changed, you want to live closer to the city and forgo the lawn, or if you want to have fewer children, or have them later. No matter what your dream home looks like, consider a Rams home loan product to help you manage your repayments, own your home sooner and stop your dream home turning into a mortgage nightmare.
As a non-bank lender, Rams Home Loans has been able to excel in the Australian financial market since the deregulation of the industry in the 1980s. This made room for innovative, flexible and dedicated lenders to provide an alternative to the big banks in Australia who were previously able to exert a stranglehold over the market, and didn’t have to be competitive on fees and interest rates.
Featured Rams Home Loan
Apply for a Rams Low Rate Home Loan and enjoy no an unlimited redraw facility and the ability to make additional repayments
- Interest Rate of 6.45%
- Comparison Rate of 6.76%
- Application Fee of $595
- Maximum LVR With LMI: 95%
- Minimum Borrowing: $15,000
- Maximum Borrowing: $0
RAMS Home Loans Comparison
| Home Loan | Details | Interest Rate (p.a.) | Comp Rate^ (p.a.) | App Fee / Ongoing Fee | Max LVR | Min & Max Borrowing | |
|---|---|---|---|---|---|---|---|
 Rams Low Rate Home Loan |
Up to 10 Years interest-only Repayments. | 6.45% | 6.76% | $595 / $20 | 95% | $15,000 / $0 |
 
|
Rams Fixed Rate Home Loan |
One of the most competitive basic loans on the current market. | 5.95% | 7.32% | $595 / $20 | 95% | $15,000 / $0 |
|
Rams Fixed Rate Home Loan – 2 Year Fixed Rate |
Enjoy no account keeping fees and the ability to make extra repayments. | 5.95% | 7.20% | $595 / $20 | 95% | $15,000 / $0 |
|
Rams Fixed Rate Home Loan – 3 Year Fixed Rate |
A low ongoing rate and interest only repayments. | 6.09% | 7.14% | $595 / $20 | 95% | $15,000 / $0 |
|
Rams Full Feature Home Loan |
Offers a discounted variable rate! | 7.18% | 7.25% | $595 / | 95% | $15,000 / $0 |
|
Rams Fixed Rate Home Loan – 5 Year Fixed Rate |
Borrow up to 95% of the purchase price. | 6.69% | 7.24% | $595 / $20 | 95% | $15,000 / $0 |
|
Rams Investor Home Loan |
Redraw facility offered on over repayments. | 6.49% | 6.77% | $595 / $20 | 95% | $15,000 / $0 |
|
Rams Line of Credit |
Borrow up to 95% and take advantage of interest only repayments. | 7.28% | 7.56% | $595 / $20 | 90% | $15,000 / $0 |
|
Rams Low Doc Home Loan |
Interest only repayments and redraw facility offered. | 7.13% | 7.41% | $595 / $20 | 80% | $15,000 / $0 |
|
Rams Line of Credit Low Doc Loan |
Feature packed loan with a competitive rate for the low doc borrower. | 7.18% | 7.46% | $595 / $20 | 80% | $15,000 / $0 |
|
Rams Low Doc Fixed Rate Home Loan |
Borrow up to 80% and enjoy redraw access to overpayments. | 5.95% | 7.36% | $595 / $20 | 80% | $15,000 / $0 |
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After launching the Rams Home Loans brand into the retail market in 1995, the lender operated as a direct bank, working with customers online and over the phone. In 2002 the first Rams branch was opened in Sydney and since then the lender has grown to have 46 franchises operating around the country. Rams Home Loan centres are open seven days a week and the carefully selected franchisees and staff are also available to visit you in your home or office if you need to meet outside of those hours. Westpac operates the Rams business separately from the Westpac Banking Group operations so you can be assured of your lender’s strength and reliability, while still enjoying the personal service and competitive fees and interest rates of a non-bank lender.
Rams Home Loan Products
Rams Home Loans have established a strong position in the home loan market by providing a wide range of flexible home loan solutions, no matter what you needs or circumstances. For example, Rams was one of the first Australian lenders to offer a transactional home loan, as well as a home loan application process which was specifically tailored to self employed Australians. Plus, if you are a first home buyer, Rams can offer you a solution to the common drawback of trying to save for a deposit for your own home while you are paying rent on someone else’s.
Rams home loan products include:
- Assistance for first home buyers. Rams offers flexible loan options which allow you to provide just a 5% deposit and borrow up to 95% of the property value, or you can borrow 120% and cover all of your other home buying costs. Rams can help you complete your First Home Owner Grant application.
- Basic home loans. If you know you won’t need a lot of fancy home loan features then you don’t need to pay for them, and in return you will be rewarded with lower fixed or variable interest rates on Rams basic home loans.
- Low doc loans. Allow every Australian to secure their own home even if you cannot provide income verification because you are self employed, a contract worker or a new Australian.
- Professional packages. Rams will reward your custom when you take out a larger home loan with extra features in their professional packages. These can include linked credit card and transaction accounts fee free, and an offset account to help you save on interest.
- Line of credit loans. These loans do not have a set term, and instead are an approved amount of credit which you can draw down on in a lump sum, or periodically to improve your home or fund new investments and you only pay interest on the amount you have used.
Why Choose Rams Home Loans?
The Rams Home Loans icon of Raymond the Ram is used to depict the lender’s link to the core Australian values of honesty and hard work, where Raymond embodies the approachable nature which you will find when you deal with a Rams home loan expert. But you don’t just have to take Raymond’s word for it because Rams Home Loans have been recognised by their customers, peers and industry bodies time and time again with awards such as:
- Money Magazine’s Non-Bank Lender of the Year in 2010 and 2009.
- Your Mortgage Magazine’s Best Introductory Loan from non-bank lender in their 2010 Mortgage of the Year Awards.
- Money Magazine’s Cheapest Low-Doc Loan from a Non-Bank Lender in 2010 and 2009.
- CANSTAR CANNEX five star rating for the Rams Basic Home Loan, Easy Start Home Loan and Fixed Interest Rate Home Loans (Fixed periods 2, 3 and 5 years) in 2009.
Start a Rams Home Loan product comparison now.
Related Resources
- Rams Basic Loan
- RAMS Fixed Rate Pro Pack 2
- Rams Fixed Rate SE Pro Pack
- RAMS IO Maximiser
- RAMS Line of Credit
- RAMS Line Of Credit Low Doc
- RAMS Line of Credit Pro Pack 1
- RAMS Line of Credit Pro Pack 2
- Rams Low Doc 500 Plus
A Rams Low Doc 500 Plus loan can help you out with your home if you are a self employed person. The loan will have a low rate and an interest only payment option among other benefits. - Rams Rate Shearer Home Loan
- Rams Rent Saver
- RAMS SE Pro Pack 2
- RAMS SE Pro Pack 80
- RAMS SmartWay Home Loan
- Rams SmartWay Low Doc
You can use a Rams SmartWay Low Doc loan to help you with getting a loan with ease. You can also access your money in a variety of forms when you pay off your loan. - RAMS SmartWay Pro Pack 1
- RAMS SmartWay Pro Pack 2
Related Posts
- RAMS Home Loans FAQ
Not every bank has the same flexibility or features in a home loan. To make it easier for customers to find out what they need to know, this RAMS Home Loans FAQ should answer any questions you have. - RAMS Lifestyle Option
There are times in every-one's life when finances are tighter than usual. Illness, injury, or an unexpected job loss can affect a family’s ability to keep up with mortgage repayments. Yet the RAMS Lifestyle Option offers customers a way to reduce their payments during times of hardship. - RAMS Fast Track Mortgage
The RAMS Fast Track Mortgage gives borrowers a true way to buy a home without saving for a deposit. Customers can borrow the entire purchase price of their new home, and borrow the stamp duty and fees, too. With the invaluable help of family members, getting into your new home sooner is now possible. - RAMS Deposit Bond
If you’ve signed a Contract of Sale to purchase a new property, the real estate agent may require you to come up with a cash deposit. Unfortunately, not everyone has ready access to their cash. This is where a RAMS Deposit Bond can help enormously. - RAMS Value Advantage Package
The RAMS Value Advantage Package allows customers to take advantage of some great discounts off their normal interest rates. This means saving money and paying less interest overall. - RAMS Full Feature Home Loan
The RAMS Full Feature Home Loan is an incredibly diverse loan account that offers flexibility and plenty of features. This home loan is ideal for those customers who want to take full advantage of the many ways available to repay a mortgage much faster. - RAMS Fixed Rate Home Loan
The RAMS Fixed Rate Home Loan offers customers plenty of flexibility, with the added peace of mind that comes with knowing the interest rate won’t change. This can be a great way to avoid rising interest rates and keep your budget stable at the same time. - Rams Home Loans Self-Employed Low Doc Line of Credit
RAMS, also known as the “Registered Australian Mortgage Securities,” has been around for over 20 years. They know how to help Australians with their dreams of owning a home. With more choice and flexibility, they make it easy for people to make their dreams come true. - RAMS Home Loans Self-Employed Low Doc Home Loan
RAMS makes it easier than ever to get a home loan if you are self-employed. You no longer have to worry about the hassle and constant rejections from other lenders because of your job. If you are self-employed, there are loan products that are available to you that will make it possible to make your dream of home ownership come true. - RAMS Self-Employed Low Doc Fixed Rate Home Loan
If you are self-employed and have had trouble getting a loan, you needn’t worry anymore. RAMS understand those who work for themselves and makes it possible to get the loan you are looking for. They will help you fulfill the dream of home ownership once and for all. - RAMS Investor Home Loan
The RAMS Investor Home Loan is the ideal solution for investors who want to take advantage of a very competitive low interest rate, plus the ability to pay interest payments only to maximise cash flow. - RAMS Low Rate Home Loan
The RAMS Low Rate Home Loan is a highly competitive "no frills" home loan. Customers can take advantage of the low interest rate, without having to worry about the fuss of added features they'll never use. - RAMS Construction Option
The RAMS Construction Option allows customers to access funds to purchase vacant land and build a new home, rather than purchasing an existing home. This option is available for full doc or low doc applicants, and can be used with various mortgage types across the RAMS Home Loan range. - RAMS standard variable home loan
If you need an easy to use home loan, with free redraw and a flexible variable interest rate, then let Home Loan Finder help you calculate whether you are eligible for the RAMS Standard Variable Home Loan and whether it will suit your needs. - RAMS Rate Relief Home Loan
A simple variable rate home loan that offers a high introductory discount of 0.9% for 24 months is packed with standard features such as interest only redraw and the ability to make extra repayments. - RAMS Fixed Rate Pro Pack
The RAMS Fixed Rate Pro Pack offers a flexible fixed rate loan with a large range of fixed rate terms. This loan is ideal for the person looking to fix their loan for a long period of time. Read this article to find out more. - RAMS Fixed Rate
The RAMS Fixed Rate home loan offers you a home loan with many additional features and great fixed rates. To find out more about the RAMS Fixed Rate home loan read this article. - RAMS Easy Start
Most honeymoon rates last for just six months or one year but RAMS extends the honeymoon to three years to help you get settled. Find out about the other great features of the Easy Start loan now. - RAMS Basic Loan
If you are looking for a home loan where you can just pay the repayments and forget about the rest the RAMS Basic Loan may be for you. The RAMS Basic Loan offers a simple loan with a great variable interest rate so you can concentrate on other things. Read this article to find out more.
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