RAMS Home Loans
Loan options: What RAMS home loans offer
Here’s a snapshot of RAMS’s variable home loans currently on offer for a loan amount of $600,000 in New South Wales. Please note that this table is formulated based on paying both principal and interest and results are sorted by our Star Rating (highest to lowest). To compare other home loans, please click here.
The inclusions below represent a selection of the features available with a standard variable rate home loan for an owner occupier. Canstar is not making any suggestion or recommendation to you about this product. Additional conditions may apply to different features. Please see our comparison tables for more detailed information about products on offer from this provider. Please ensure that you read the product disclosure statement (PDS) to determine all the current loan terms and conditions for the product you are considering.
Variable home loan features
- No monthly home loan account keeping fees
- Bridging loan option
- $15,000 minimum home loan
- No maximum home loan size
- 100% Offset Facility available
- Home loan term up to 30 years
- Interest only available
- Loan splitting available
- Redraw facility available
- No fee for early repayment
- Repayments may be made weekly, fortnightly, or monthly
What types of home loans does RAMS offer?
At the time of writing RAMS offers the following types of home loans:
- Variable rate home loan
- Fixed rate home loan
- Self-employed home loan
- Investment home loan
- Line of credit home loan
Find out about how different types of home loans work here.
See our comparison tables for details of RAMS home loans:
How to apply for a RAMS home loan
Applying for a RAMS home loan is a simple process; just compare home loans on the Canstar website and enquire online on the RAMS website about the loan of your choice. For more help applying, you can speak to a RAMS consultant by calling 13 RAMS (13 7267) (8am to 8pm Monday to Friday).
Follow our applying for a home loan checklist, and use the Canstar website to compare RAMS home loans with other home loans before choosing a product that suits your needs:
Yes, RAMS allows extra repayments on its variable interest home loans. Terms and conditions apply; contact your lender for details.
Find out how making extra repayments could save money in interest over the life of your loan in this article or use our Extra Repayments Calculator for yourself:
Yes, RAMS’s variable rate home loans offer a redraw facility. Fees and charges may apply to use of a redraw facility; contact your lender for details or learn more about redraw facilities here.
If you’re in the market for a home loan, compare your home loan options with Canstar:
Established in 1995, RAMS has been helping Aussies achieve the ‘Great Australian Dream’ by providing affordable, simple, yet flexible home loans.
RAMS is proud to be both ‘community-based’ and ‘community-focused’, with over 70 RAMS Home Loan Centres throughout Australia. For added-convenience, an experienced mortgage specialist can visit your home or office after hours.