Low Rate Home Loan (Principal and Interest)

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Customise your mortgage repayments by entering your details:

I want to borrow

Loan Term

years

Repayment Frequency

Pros:
  • No ongoing fees
  • 100% full offset account
  • Suitable for low deposits
  • Parents can sign as guarantor
Cons:
  • Discharge fee at end of loan
  • Repayments may increase if RBA raises rates

Details & Fees

Maximum LVR
Maximum LVR
95%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$15k - $100m
Total repayments
Total repayments
$596,808
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
100% offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
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
$0
Discharge fee
Discharge fee
$295
Property Type
Property Type
SMSF Trustee
SMSF Trustee
Minimum SMSF Amount
Minimum SMSF Amount
Maximum LVR
Maximum LVR
95%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$15k - $100m
Total repayments
Total repayments
$596,808
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
100% offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
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
$0
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.

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