RAMS Value Advantage Loan


The RAMS Value Advantage Loan is available with a range of eligible home loans offered by RAMS.

The key feature of the loan is its discounts on administration fees and other services for eligible borrowers. For borrowers who have borrowed the minimum amount across eligible RAMS home loans, the Value Advantage Loan gives them the opportunity to retain the features of whichever home loan most suits their needs, while reducing their fees significantly.

The Value Advantage Loan is available with a number of loans provided by RAMS, including the RAMS Fixed Rate, Line of Credit, and Full Feature home loans, and the Self-employed Fixed Rate and Line of Credit Home Loans.

Eligible borrowers can choose from a range of flexible features, which include a line of credit account, portability, flexible documentation for the self-employed, and additional repayments with an accompanying redraw facility.

Who is the RAMS Value Advantage Loan good for?

The RAMS Value Advantage Package suits borrowers who are signing up for a large loan with RAMS and are eager to avoid significant fees. They may be hoping to refinance quickly, or they may be investors seeking to avoid significant fees. It may suit borrowers looking for flexible features.

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The RAMS Value Advantage Package may be appealing for borrowers who already have a large loan with RAMS and want to take advantage of fee discounts.

Borrowers who already have reason to choose an RAMS home loan over others may want to consider the Value Advantage Package. Borrowers looking for low fees above all else should bear in mind that the Value Advantage Pack still charges ongoing fees, and that the monthly fee and application fees for eligible loans will be the only fees fully waived. Any other fees will be discounted, but not done away with entirely.

RAMS Value Advantage Loan Options

The RAMS Value Advantage Package offers borrowers discount options depending on their loan size and loan type.

Variable Rates from


Advertised rate


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  • Discounted fees for eligible borrowers.
  • Applicable to a number of loans.
  • Increased flexibility.
  • Ongoing annual fee.
  • Only for loans of $150,000 or more.
  • High interest rate.

Minimum loan size with eligible RAMS home loans.

Australian resident.

At least 18 years of age.

Proof of income.

Suitable For
  • First Home Buyers
  • Owner-Occupiers
  • Refinancers
  • Investors
  • Line of Credit Loans
  • Estimated upfront fees: $285.00
  • Discharge fees: $295
  • Ongoing fees: $375 annually

Borrowers signing up to the RAMS Value Advantage Package can expect a significant reduction in fees as compared to the standard fees on eligible loans they have chosen. The size of the discount provided by RAMS will increase in accordance with the size of the RAMS loans a borrower has chosen.

Borrowers may still be required to pay a discharge fee upon termination of the loan.

  • Redraw facility
  • 100% offset account
  • Unlimited extra repayments
  • Weekly repayments
  • Fortnightly repayments
  • Monthly repayments
  • Loan allows split interest rate
About RAMS
RAMS Home Loans is lender owned by the Westpac Banking Corporation. Its customer offering includes home loans, transaction accounts and insurance.
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