Get one of the lowest variable interest rates on the market
2.88%
2.90%
Smart Home Loan
Maximum LVR | Maximum LVR 90% |
|---|---|
Interest rate structure | Interest rate structure Fixed - 4 years |
Borrowing range | |
Total repayments | |
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 ForInvestors |
Applicable States | Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA |
Make Repayments | Make RepaymentsFortnightly, Monthly, Weekly |
Estimated upfront fees | Estimated upfront fees $880.00 |
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 |
Property Type | Property Type |
SMSF Trustee | SMSF Trustee |
Minimum SMSF Amount | Minimum SMSF Amount |
Maximum LVR | Maximum LVR 90% |
|---|---|
Interest rate structure | Interest rate structure Fixed - 4 years |
Borrowing range | |
Total repayments | |
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 ForInvestors |
Applicable States | Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA |
|---|---|
Make Repayments | Make RepaymentsFortnightly, Monthly, Weekly |
Estimated upfront fees | Estimated upfront fees $880.00 |
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 |
Property Type | Property Type |
SMSF Trustee | SMSF Trustee |
Minimum SMSF Amount | Minimum SMSF Amount |
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.
