RAMS
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.
- 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.
- Some products include fees.
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)
✓ Mobile app
✓ Online banking
✓ Branch
✓ Mobile banking staff
RAMS home loans
Product | Advertised rate | Upfront fee | Comparison rate* | Ongoing fee | Go To Site |
|---|---|---|---|---|---|
Advertised rate 4.37%Variable | Upfront fee $880.00 | Comparison rate* 4.43% | Ongoing fee $0 | Details Compare | |
Advertised rate 4.37%Variable | Upfront fee $285.00 | Comparison rate* 4.77% | Ongoing fee $375 annually | Details Compare | |
Advertised rate 4.47%Variable | Upfront fee $285.00 | Comparison rate* 4.87% | Ongoing fee $375 annually | Details Compare | |
Advertised rate 4.39%Fixed - 5 years | Upfront fee $880.00 | Comparison rate* 5.05% | Ongoing fee $20 monthly | Details Compare | |
Advertised rate 4.15%Fixed - 3 years | Upfront fee $880.00 | Comparison rate* 5.08% | Ongoing fee $20 monthly | Details Compare | |
Advertised rate 4.39%Fixed - 4 years | Upfront fee $880.00 | Comparison rate* 5.09% | Ongoing fee $20 monthly | Details Compare | |
Advertised rate 3.99%Fixed - 2 years | Upfront fee $880.00 | Comparison rate* 5.13% | Ongoing fee $20 monthly | Details Compare | |
Advertised rate 4.24%Fixed - 1 year | Upfront fee $880.00 | Comparison rate* 5.25% | Ongoing fee $20 monthly | Details Compare | |
Advertised rate 4.34%Fixed - 2 years | Upfront fee $880.00 | Comparison rate* 5.60% | Ongoing fee $20 monthly | Details Compare |
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.
