RAMS Home Loans

RAMS is a 100 per cent Australian owned non-bank lender. Launched as a retail brand in 1995, RAMS is widely regarded as one of Australia's most successful non bank lenders.

The achievements of the RAMS brand, employees and business partners have been highly awarded. In recent years RAMS have won some of the mortgage industry's most prestigious awards. - Mortgage Industry Association of Australia (MIAA) Lender of the Year 2005 - Australian Banking and Finance Best Non Bank Lender 2006 - Your Mortgage Magazine Best New Product 2006 -RAMS Fast

RAMS is a lender - a specialist in home loan lending. RAMS continues to be recognized as a leader and innovator in home loan lending. RAMS was one of the first to offer a transactional home loan, a home loan application process tailored for the self employed and most recently loans recognizing the difficulty first home buyers experience saving for a deposit whilst also paying rent. Innovation is core to RAMS and is embodied in its motto "A Better Way".

RAMS products are available through Independent Mortgage Brokers.

RAMS Easy Start - Enjoy discounted honeymoon rates to keep your repayments low for up to a full three years.

RAMS Smart Way Pro Pack - A home loan that gives you a preferential variable rate with no special qualifying criteria.

RAMS Basic - A simple straightforward home loan with a low rate and no account keeping fees.

RAMS Line Of Credit Pro Pack - A home loan that gives you access to draw down additional credit and the flexibility of a transaction account.

RAMS 100% Home Loan - no deposit finance for your home

RAMS Zero - A top rate home loan with Zero account keeping fees and all the essentials.

RAMS Smart Way - The all in one home loan offering "smarter" money management.

RAMS Low Doc - Self Employed? Save time and money with a low rate and low paperwork.

RAMS Investor - A low rate facility with up to 10 years interest only payments.