Rating based on 38 reviews

RAMS Home Loan

  • Home loans up to $500,000
  • Low-interest starting from 4.45%
  • Repayment up to 30 years

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RAMS homepage
Author RAMS. Screenshot of RAMS website.
[Accessed May 24, 2023]

About RAMS

Firmly centred on home loans and with a limited ancillary offering, RAMS has been targeting Australian homeowners since 1995.

With a sweet ram mascot and a sleek online presence, their offer is clear and sassy and the company is firmly embedded in the Australian psyche.

All things home loan

While its beginnings were modest, forming in 1991 and launching into the retail end in 1995, its first two land-based centres proved hugely popular.

This then inspired a novel approach of franchised ‘stores’ across the continent. Nowadays, the RAMS reach has grown dramatically in just over two decades and almost all citizens recognise the company as it manifests at over 70 stores nationwide.

A specialised lender

With its competitors mostly offering a broad spectrum array of banking products, RAMS’ limited and niche offering not only means its focus is singular but also that this can mean a better deal for prospective clients.

A truly homegrown company

With a reputation growing primarily on the back of word-of-mouth and an upbeat approach to lending, RAMS is a definite choice for Australians. You can also get a loan by completing their online loan application or by contacting them online or via telephone.

RAMS Services

The basic offering of a home loan to an owner-occupied client will entail choosing from a range of options. As one might expect from a company geared towards home loans only, the range of options is extensive at RAMS.

Catering for all comers

Whether building, renovating, simply buying, buying to sell on or looking to stall repayments for a period, pay the annual interest up front in a single payment or even simply save towards a deposit on a home, everyone is accommodated at RAMS.

With a highly diverse and pleasingly nuanced array of offers surrounding a basic home loan, Australians would do well to look at this company when shopping around for the facility.

Fixed-rate home loans

A typical fixed-rate mortgage offers a rate of 4.14% and allows lump sum deposits of up to $30,000 without penalty (rate break costs). This can also be withdrawn if needed later.

Variable rate home loan

On a variable rate loan, currently running at 4.45% per annum, one can also make extra payments and, for investors, make interest-only payments for up to 10 years.

The same applies for up to 5 years on owner-occupied loans. No monthly fees accrue on this loan either, whether an investor or a live-in owner. Very welcome for some and most unusual in the lending category, special mention is made of self-employed individuals and they have a tailored walk-through online in order to allay any concerns and to detail terms and conditions.

RAMS – Home loan

  • Loan Type Home loans
  • Interest Rate 4.456.14% p/a
  • Loan Amount up to $500,000
  • Repayment 24 months to 30 years

Benefits of RAMS

  • Flexible home loan features and options
  • No monthly fees
  • Choose between home loan options

RAMS is a unique lender and they offer their clients maximum flexibility

All in all, RAMS is a sassy and homespun company, that matches its marketing appeal with the reality of a fine-tuned offer to prospective home buyers.

Far from appearing unprofessional as a franchiser, RAMS has capitalised on the homegrown feel inherent in local businesses becoming franchisees.

The fact that a citizen knows that the RAMS he or she is dealing with is a local resident has counted in their favour. With hindsight, this is a possibly unexpected benefit not initially foreseen.

A partner you can count on

Far from being limited by their niche choice, they are abroad and highly capable potential partners for any Australian looking at what will probably be the biggest purchase of their lives,

One of Australia’s top lenders

Capably eloquent on all matters pertaining to buying a home and with the detail and tweaked offers to prove it, RAMS has to rank among the top lenders in the home loan fraternity, in the current Australian marketplace.

With a host of tools onsite and a logical and smart outlay online, RAMS is destined to grow nationally with its core value and amicable approach to its clients.

What if you would like to cancel your home loan application?

There are no penalty fees for deciding to cancel your home loan application. They know that customers can always change their minds and there is nothing wrong with this. Should you be interested in future to get a home loan from RAMS, please don’t hesitate to call them or drop them an email and they will be happy to assist.

Can you pay your home loan sooner than the scheduled date?

If you have any extra money at your disposal and would like to settle your home loan amount before the scheduled payment date, you are more than welcome to do so. This shows them how committed you are as a customer to paying your debts.

In essence, such behaviour will earn you extra points. They really do appreciate customers that are serious about ensuring that their financial obligations are attended to.

What are the implications of skipping payments?

The implications of skipping your home loan payment may end up making you lose your home. Ensuring that your loan payments are up to date can’t be overemphasised. This is one of the best ways of ensuring that your credit profile is up to standing.

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 Protection Act, 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

February 2019

RAMS has the best home loan packages.

Nicole P
— Dubbo —

April 2019

Without the financial assistance of RAMS, I would still be looking for an affordable home loan credit offer.

William H
— Broken Hill —

RAMS Contact

Contact Number


  • not available


Physical Address

Postal Address

  • RAMS Financial Group Pty Ltd, Locked Bag 5001, Concord West, 2138, Australia

Opening Hours

  • Monday 08:00 – 20:00
  • Tuesday 08:00 – 20:00
  • Wednesday 08:00 – 20:00
  • Thursday 08:00 – 20:00
  • Friday 08:00 – 20:00
  • Saturday 09:00 – 17:00
  • Sunday 09:00 – 17:00