Compare RAMs home loan rates

Find the home loan to best suit your needs. Compare reviews, interest rates, fees and features with Ratecity to make sure you get the right loan.

RAMS is a home loan lender headquartered in Sydney. RAMS was formed in 1991 as ‘Registered Australian Mortgage Securities.’ In 1995, RAMS home loans entered the retail market, and in 2008, the RAMS brand and distribution business was bought by Westpac Banking Corporation.

RAMS is known for providing flexible, simple home loan products to everyday Australians. It offers a wide variety of mortgages, including options for investors, re-financers, first home buyers, and self-employed borrowers.

RAMS home loans

Low Rate Home Loan (Principal and Interest)
Advertised rate
4.37%
Variable
Upfront fee
$880.00
Comparison rate*
4.43%
Ongoing fee
$0
Compare
Value Advantage Package Full Feature Loan (Principal and Interest) ($250k-$500k, LVR < 80%)
Advertised rate
4.37%
Variable
Upfront fee
$285.00
Comparison rate*
4.77%
Ongoing fee
$375 annually
Compare
Value Advantage Package Full Feature Loan (Principal and Interest) ($250k-$500k, LVR 80%-95%)
Advertised rate
4.47%
Variable
Upfront fee
$285.00
Comparison rate*
4.87%
Ongoing fee
$375 annually
Compare
Home Loan Fixed (Principal and Interest) 3 Years
Advertised rate
3.99%
Fixed - 3 years
Upfront fee
$880.00
Comparison rate*
5.04%
Ongoing fee
$20 monthly
Compare
Home Loan Fixed (Principal and Interest) 5 Years
Advertised rate
4.39%
Fixed - 5 years
Upfront fee
$880.00
Comparison rate*
5.05%
Ongoing fee
$20 monthly
Compare
Home Loan Fixed (Principal and Interest) 4 Years
Advertised rate
4.39%
Fixed - 4 years
Upfront fee
$880.00
Comparison rate*
5.09%
Ongoing fee
$20 monthly
Compare
Home Loan Fixed (Principal and Interest) 2 Years
Advertised rate
3.99%
Fixed - 2 years
Upfront fee
$880.00
Comparison rate*
5.13%
Ongoing fee
$20 monthly
Compare
Home Loan Fixed (Principal and Interest) 1 Year
Advertised rate
4.24%
Fixed - 1 year
Upfront fee
$880.00
Comparison rate*
5.25%
Ongoing fee
$20 monthly
Compare
Investment Loan Fixed (Principal and Interest) 2 Years
Advertised rate
4.09%
Fixed - 2 years
Upfront fee
$880.00
Comparison rate*
5.56%
Ongoing fee
$20 monthly
Compare
Pros:
  • Variety of home loan products.
  • Opportunity to bundle other financial products.
  • Caters for people with specific needs.
  • Offers discounts on the interest rate by packaging with the Value Advantage Loan.
Cons:
  • Some products include fees.
RAMS customer service:

Home Loan customers can contact RAMS by calling the customer service hotline seven days a week or by requesting a call back through the online contact form. They can also request a meeting with a local home loan specialist or by pop into one of the RAMS home loan centres.

  • Customer service centre (phone, email, branch)
  • Mobile app
  • Online banking
  • Mobile banking staff

How to Apply

Customers wanting to apply for a RAMS home loan can do so by filling out an online enquiry form, calling the hotline or by visiting a RAMS Home Loan centre. Before applying for a home loan it is advisable to think about how much money you could conceivably borrow given your financial situation and income. You will also need to provide documentation when applying for a home loan. This may include:

  • Personal identification material.
  • Proof of income – whether you are self-employed or work for an employer.
  • Information regarding your current debts, liabilities and assets including any personal or car loans.
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