Rating based on 49 reviews

RAMS Home Loan

  • Flexible home loans
  • Low-interest starting from 4.31%
  • Repayment up to 10 years

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RAMS homepage
Author RAMS. Screenshot of RAMS website.
[Accessed March 17, 2023]

About RAMS

Are you an Aussie looking for a second to none home loan?

RAMS has over 70 home loan centers you can visit across both metropolitan and regional areas of Australia. You could also call them or request them to call you for instant assistance. What’s more, is that one of their experienced specialists can come out to your home to get you started on buying your favorite house. They first started in 1991 and have been providing the most affordable, simple, and flexible home loans since 1995.

Access extensive resources and cost-effective products with great features at RAMS. They offer products that can help you save up for your home loan deposit, conveniently manage your home loan online, cover your building, contents, and life with their tailored insurance options and choose the best loan for you from a range of home loans.

Low-cost home loan rates in Australia

Wondering if buying your own home will ever be possible? Well, if there is a way RAMS will find it for you! They mainly specialize in helping Aussies get their home loans approved and have a vast understanding of the possible challenges that might come up and how to deal with them for optimum results.

They won’t just leave you at the first step, but they will support you all the way to the finish line of your home loan journey as this is just how important their clients are to them.

They have been priding themselves by doing the following for decades now:

  • Providing extensive support to their clients every step of the process.
  • Listening to each client’s individual needs.
  • Working around their client’s busy schedule.
  • Deliver local market knowledge as well as proper advice.

RAMS Services

Access a great variety of home loan options and pick the one with the terms, flexibility, rates, and benefits that suit you the best.

Their essential home loan is a low variable rate loan that allows you to enjoy a 1.54%p.a. discount based on your LVR and starts at a rate of only 2.19% per annum. You can freely redraw funds and make additional repayments with this home loan.

With their fixed rate classic home loan, you can get a 1,2,3-,4-,5- or 10-year fixed-rate starting at 2.09%p.a. and make extra repayments within the fixed period of up to $30k without any additional costs. Obtain redrawing options from a minimum of $1,000.

The fixed rate home loan (Packaged) has interest rates that start at 2.09%p.a. for a fixed period of either 1,2,3,4,5 or 10 years and you can also redraw funds of $1,000 and up, with an extra repayment limit up to $30k. This loan could include the value advantage package.

Select the full feature home loan to get a variable rate of 4.36%p.a. and save on fees as this loan could also include their Value Advantage Package that ensures all kinds of discounts. The great part is that you can use the 100% offset account to save a lot of money by depositing your salary into it and have easy access to redraw, with 25 free transactions per month.

Consider their line of credit home loan option, as it is practically a credit card at home loan rates, so if you are under your credit limit there is no regular repayment needed, and interest is only based on the outstanding balance.

Insurance – cover yourself

They offer insurance for every part of your life, so you could cover your house, contents, car, your life and livelihood, business, and more!

RAMS – Home loan

  • Loan Type Home loans
  • Interest Rate 4.316.53% p/a
  • Repayment 10 years

Benefits of RAMS

  • Online application
  • Flexible loans
  • No monthly fees

RAMS Home Loans - We've Got you Covered

Firstly, you can either visit a branch, request them to call you or fill out a quick form online to arrange for a home loan specialist to come out to you.

What you’ll need to provide

  • Full names.
  • The postcode of your area.
  • Your email address.
  • Your contact numbers.
  • Select the type of home you are looking for like whether you are buying for the first time, investing, building, refinancing, etc.
  • Your employment status.
  • A time and date that will be suitable for you to meet with a specialist.

Assessment and approval

They will assess and verify your sources of income, expenses, assets, and liabilities to get a better idea of your financial position and to see if you will be able to afford a mortgage based on the surplus income you have extra each month.


Once they are happy to pre-approve your loan, you will know how much you can spend on your dream home and this will make finding the perfect house so much easier.

House approval

Found the perfect one in your price range? You can put in an offer and let RAMS know, they will then have a look at the value of the house and let you know if they approve of your choice.

Key benefits of applying with RAMS

  • Whether you have a simple or complex situation they will help get the right online loan tailored to what you need.
  • Quick and easy pre-approval process.
  • Great customer service.
  • Competitive prices.
  • Discounts and amazing features on their home loans.
  • Receive professional finance advice.
man holding thumbs up

RAMS is a trusted & reliable provider of home loans

In our review, RAMS adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ RAMS is a registered credit provider in Australia: ACL 233714

Customer Reviews & Testimonials

April 2019

If you looking for a company that cares then look no further because this company cares about you and the best part is they make sure that you understand your loan and all that goes into applying...

Sharon B
— Melbourne —

May 2019

They will offer you the best deal for your dollar and make sure that you get the loan that suits all your needs like they did for me.

Keagan S
— Perth —

April 2019

We had to refinance our house due to the loan being a balloon payment at the end that we were not aware of and thank you to the amazing company we have still got our house.

Cherry L
— Brisbane —

June 2019

The service is great and we will not be going to any other company because of the way we have been treated and they have even organised to get us insurance.

Zelda M
— Melbourne —

RAMS Contact

Contact Number


  • not available


Physical Address

Postal Address

  • RAMS Privacy Officer, Locked Bag 5001, Concord West, 2138, Australia

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed