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 September 14, 2021]

About RAMS

RAMS offers a range of financial products and services designed to meet the needs of Australians.

The list includes home loans, online transactions and savings accounts and insurance assistance. It has been helping people in Australia to become homeowners since 1995 by offering a variety of innovative, highly flexible and affordable home loans. Currently, there are more than 70 centres where we assist home buyers with expert advice.

Come in and see us

Our centres operate from Monday to Friday and on Saturdays by appointment. If you cannot visit our specialists in person, they will come to you to discuss your situation and offer the best home loan solution.

High-interest savings

In addition to mortgages, we now offer online savings and transaction accounts that can be linked to a mortgage offset.  The savings accounts offer some of the highest interest rates in the market.  In this way, the repayment of the mortgage becomes faster and more convenient for the customer. 

RAMS Services

Whether you are buying your first home, investing in a property or refinancing, we will assist you in the most effective way.

We work with individuals who do not have a stable employment income such as self-employed people.

Expertise and professionalism

You can rely on our expertise and professionalism to get the right RAMS loan available. You are about to make a very important decision when selecting a personal finance solution, and we will help you in every way that we can. We will work with you to analyse your current financial situation.

Obtain the ideal home loan

We will take into account your future plans as well. We help home buyers in various situations to obtain the ideal home loan for them.  These factors will enable us to come up with the most suitable loan in terms of interest type, repayment structure and other features. You simply need to get in touch with a RAMS centre near you to get started.

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

We understand that everyone has different and unique needs when it comes to one of the most difficult and financially straining decisions in your life. 

RAMS Home Loans in Australia are the home loan specialists you have been waiting for.

We know that there is no one size that fits all solution. 

That's why we've got one of the biggest ranges of loans and options to suit all our clients wants and needs, whether or not you are:

  • Buying your first home
  • Self-employed
  • Refinancing your existing property or home loan
  • Purchasing an investment property

And with versatile choices like deposit bonds, bridging loans and fixed accounts out there, owning your home has never been easier.

Which combination works best for you?

Our home loan specialists can take the time to seek out the best advice and options concerning you, your goals and borrowing necessities, then counsel and advise you on the best home loan options that will fit your needs.

The best deal on your home

Contact your nearest RAMS home loan firm in Australia to chat about the best deal on your home. Buying your initial property is pretty intimidating but, we can help.

It's most likely the largest investment you will take on in your life. We are equipped with valuable data, tips and checklists on everything from a way to notice the proper home loan, produce a budget, to creating a smooth transition for your move.

Fast approval with RAMS

You could purchase your initial home sooner and save on mortgage insurance.

The support of family is valuable and once they’re happy to act as guarantors on your property purchase, they may assist you to purchase your home faster than you thought and prevent thousands in mortgage insurance.

Key advantages for the borrower:

  • Depending on your circumstances, you may be compelled to save a deposit. wherever the LVR exceeds a certain amount, proof of savings is needed.

Key advantages for the guarantor:

  • Only accountable in agreement (i.e. not the complete loan amount) and affordable controlled expenses.
  • Not accountable for regular monthly repayments.
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, as well as the National Consumer Credit Protection Regulations 2010, 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