RAMS Home Loans
RAMS has home loan rates starting from 6.59%.
What different scores mean
9+
Excellent
These home loans offer low costs, coupled with a host of features, giving the best overall value.
7+
Great
These home loans may have slightly higher interest rates or fewer features but overall, a competitive offering.
5+
Standard
Usually the home loans would offer above average rates. They may still include some competitive features.
0+
Basic
Higher costs and/or fewer features.
RAMS offers a range of home loans for Australian borrowers. Check out the full table of RAMS products below or read more about the lender.
Compare RAMS home loans for June 2025
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How we picked theseRAMS key facts
- It's an Australian lender based in both metropolitan and regional areas of Australia.
- It offers home loan products for owner-occupiers and investors.
- This lender also offers other financial products such as savings accounts, transaction accounts and insurance products.
RAMS home loan features
Here are the key features and details you need to know about RAMS' mortgage products.
| Feature | Details |
|---|---|
| Minimum deposit | It's possible to get a home loan with a deposit as low as 5%. |
| Offset account | You can get an offset account with several of its loans. |
| Repayment options | Many of its home loans allow you to make interest only repayments for a limited period. The lender also offers the standard principal and interest repayments on its loans. |
How do I apply for a mortgage from RAMS?
When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.Eligibility
The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.
- Age. You must be over 18 years of age.
- Residency. You should be a resident of Australia.
- Employment. You should have a regular source of income.
Documents required
When you apply for a mortgage with RAMS you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:
📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.
📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.
📄 Proof of income documents. Recent payslips can establish your income.
📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).
More lenders to compare
Check out Finder's main home loans guide if you want to compare more home loans from a range of lenders. Or you could try one of the following lenders:
- ING. This online bank is part of the global, Dutch financial group of the same name.
- Commonwealth Bank. The nation's largest bank has a large selection of home loans and a convenient banking app.
- UBank. This online bank is actually owned by NAB.
- Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
- Tiimely Home. This lender's online application tool can process your mortgage application fast. Backed by the Bendigo and Adelaide Bank.
- Bank of Queensland. Outside of the Big Four this is one of Australia's larger banks. BOQ owns Virgin Money.
- HSBC. The local Australian banking arm of this international bank offers various home loans.
Looking for more mortgage options?
- Big Four banks. Check out interest rates from Australia's Big Four banks.
- Best home loans. Finder's top loan picks every month.
- Cheapest rates. Compare the lowest home loan rates on the market.
- Investors. Compare more loans for property investors.
- Mortgage brokers. Still confused? Get free, expert guidance from a qualified mortgage broker.
Compare other products from RAMS
What is Finder Score?
The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.
Read the full Finder Score breakdown
More resources on Finder
Ask a question
13 Responses
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Does RAMS offer a Interest only home loan
Hi Bruce,
Thanks for your inquiry.
You may check this page for RAMS Fixed Rate Home Loans. This loan is available for owner-occupiers or investors and can be paid either with principal and interest or interest-only repayments. It can be used to purchase an already established home or to fund the construction of a new property with a minimum loan amount of $15,000.
Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions before making a decision on whether it is right for you.
Hope this information helps
Cheers,
Arnold
I am shopping for a mortgage on good interest rate and my father is able to discuss anything about it.
Hi
!
I asked direct questions and I need a direct answer. No need to shop around here.
Thank you,
Frank
Hi Frank,
Thanks for your question.
We are not qualified to advise which loan is best for your situation. Please speak to a mortgage broker who will more than happy to assist you.
Cheers,
Shirley
Hi there,
I wonder that me and my partner can loan from ram and how much can we loan? He works in IT will be 6months in Dec and I just got a part time job a week agoes in Crown Perth. His income is 55k a year and I earn around 800-1600+ fortnight.
Regards,
Ni
Hi Ni,
Thanks for your comment.
Please use our borrowing power calculator to give you an indication. To be eligible for a RAMS home loan you’ll need to be over 18 and a permanent resident or citizen of Australia. You’ll also need to meet RAM’s lending guidelines which will be made available when you enquire with RAMS.
Hope this helps,
Shirley
I am on a an aged pension have got $53,000 am I able to borrow a home loan of $93,000, the value of the home is around $140,000. the loan would be over 10 years approx
Hi Teresa,
Thanks for your comment.
This question is best directed to RAMS, as they will assess you against their lending criteria. Our borrowing power calculator may give you an indication.
Cheers,
Shirley
My partner and I want to buy a house that we think may sell for around 250,000.
We have no deposit, however he has a property with his ex wife that is worth around 400,000.
Unfortunately it is in her name.
He is waiting for settlement which is in the hands of a solicitor now.
There is $60,000 owing on his house.
Once settlement is through he will pay most of the loan out.
I am a registered nurse with a permanent job.
This house is to be auctioned early August, so we need the money asap.
Is it possible to borrow 100% if a family member can go guarantor??
Hi Carole,
Thanks for your comment.
Yes, with a guarantor you can borrow up to 120% LVR with RAMS, depending on your financial situation and your eligibility to their lending criteria.
If you think a particular RAMS home loan is right for you and you meet the lending criteria, you can click enquire and you’ll be safely redirected to RAM’s enquiry page.
Cheers,
Shirley
Hi i have a question that i would like to ask, i know that Westpac owns Rams but who processes the Rams home loan application? Rams or Westpac?
Thank you
Linny
Hi Linny,
Great question – thanks for asking!
RAMS Home Loans applications are processed through RAMS and you will deal with a RAMS representative the throughout the whole process.
I hope this helps.
Matt