Warning: Part 9 Debt Agreements have serious consequences
With Australia’s household debt-to-income ratio being one of the highest in the world, individuals and families are finding it harder than ever to keep up with their repayments.
specialGet one of the lowest variable interest rates on the market and pay no application or ongoing fees
Get one of the lowest variable interest rates on the market
Smart Home Loan
Interest rate structure
$15k - $100mCalculate how much you can borrow
Principal & interest
Loan term range
1 - 30 years
Unlimited extra repayments
Redraw fee: $0
Allows split interest
ACT, NSW, NT, QLD, SA, TAS, VIC, WA
Estimated upfront fees
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.