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Home Loan Fixed (Principal and Interest) 3 Years

Customise your mortgage repayments by entering your details:

I want to borrow

Loan Term

years

Repayment Frequency

Pros:
  • Extra low interest rate for refinancers
  • No ongoing fees
  • Suitable for low deposits
  • Parents can sign as guarantor
Cons:
  • Limited extra repayments
  • Discharge fee at end of loan
  • Not available for self-employed borrowers
  • Repayments won't decrease if RBA cuts rates

Details & Fees

Maximum LVR
Maximum LVR
95%
Interest rate structure
Interest rate structure
Fixed - 3 years
Borrowing range
Borrowing range
$15k - $100mCalculate how much you can borrow »
Total repayments
Total repayments
$582,552View repayment schedule »
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
Extra repayments
Extra repayments
Allowed with restrictions
Redraw facility
Redraw facility
Redraw fee: $10
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$880
Application fee
Application fee$595
Settlement fee
Settlement fee$285
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$0
Ongoing fee
Ongoing fee
$20 monthly
Discharge fee
Discharge fee$295
Maximum LVR
Maximum LVR
95%
Interest rate structure
Interest rate structure
Fixed - 3 years
Borrowing range
Borrowing range
$15k - $100mCalculate how much you can borrow »
Total repayments
Total repayments
$582,552View repayment schedule »
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
Extra repayments
Extra repayments
Allowed with restrictions
Redraw facility
Redraw facility
Redraw fee: $10
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$880
Application fee
Application fee$595
Settlement fee
Settlement fee$285
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$0
Ongoing fee
Ongoing fee
$20 monthly
Discharge fee
Discharge fee$295

Since 1995, RAMS has been providing Australians with access to a wide range of easy to understand yet affordable home loan solutions. Over the years, RAMS has expanded its service offering to include transaction and savings accounts, as well as insurance products. RAMS has a nationwide network of over 90 Home Loan Centres, in addition to a growing network of mobile lenders.

RAMS has won numerous awards, including winning Best First Home Buyer Lender at the Australian Lending Awards and a spot on BRW’s 50 Most Innovative Companies in 2014.

RAMS Home Loan Calculator
Interested in an RAMS home loan? RateCity has a suite of calculators that can show you what your repayments would be and how RAMS compares to its competitors. Simply plug in your borrowing amount below. 

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