RAMS Home Loans and Mortgage Calculator | Fixed Rates | Investment Loans | Lod Doc | Line of Credit | Australia | Sydney | Melbourne

RAMS Home Loans and Calculators

Accredited with RAMS to offer you their home and investment loan products PLUS compare their offerings to 40 plus lenders. Here is how this website and a mortgage professional find you the right home loan.

1. In less than 5 minutes we can compare RAMS's home and investment

loans to hundreds of other loan offerings so you can compare them side by side.

2. Save you time by calculating exactly how much you can borrow from RAMS and other

lenders.

3. We will calculate the exact costs of each loan and show you the hidden fees that most

Westpac and lenders have hidden in the fine print.

4. Online mortgage calculators that cannot be found on the RAMS Banking site or any

other website.

5. 100% free service. Professional mortgage advisors will find loans that you may never

consider or your bank manager will consider.

To access the latest home and investment loan rates suitable to your lending needs from Westpac speak to a mortgage broker on 1300 726 136 or complete this mortgage quote form.

Home Loans and Investment Loans


Variable Rates	Interest Rate	Upfront Fees	Ongoing Fees	Redraw	Offset	Extra Repayments
Interest Only Maximiser	4.84%	$845	$300 pa	Only after first 5 Years	No	Only after first 5 Years
Rate Relief - 2 year discount	4.59% 5.19%	$845	Nil	Free and $1K min	No	Yes
Basic	4.99%	$845	Nil	$50 and $1K min	No	Yes
Variable	5.59%	$845	10 pm	Free and No Min	No	Yes
Line of Credit	5.39%	$845	17 pm	Free and No Min	No	Yes

Professional Packages	Interest Rate	Upfront Fees	Ongoing Fees	Redraw	Offset	Extra Repayments
Smartway Pro Pack >$500K	4.89%	$845	300 pa	Free and No Mi	No	Yes
Smartway Pro Pack $250K to $500K	4.99%	$845	300 pa	Free and No Mi	No	Yes
Smartway Pro Pack $150K to $250K	5.29%	$845	300 pa	Free and No Mi	No	Yes
Line of Credit	Rates As Above	$845	300 pa	Free and No Mi	No	Yes
Low Doc Loans	Interest Rate	Upfront Fees	Ongoing Fees	Redraw	Offset	Extra Repayments
Self Employed Pro Pack >$500K	5.09%	$845	300 pa	Free and No Mi	No	Yes
Self Employed Pro Pack $250K to $500K	5.19%	$845	300 pa	Free and No Mi	No	Yes
Self Employed Pro Pack $150K to $250K	5.29%	$845	300 pa	Free and No Mi	No	Yes
Self Employed Line of Credit	Rates As Above	$845	300 pa	Free and No Mi	No	Yes

Fixed Rates	Interest Rate	Upfront Fees	Ongoing Fees	Redraw	Offset	Extra Repayments
1 Year	4.99%	$845	Nil	No	No	$2,000 min
2 Years	5.29%	$845	Nil	No	No	$2,000 min
3 Years	5.79%	$845	Nil	No	No	$2,000 min
5 Years	6.49%	$845	Nil	No	No	$2,000 min
10 Years	7.09%	$845	Nil	No	No	$2,000 min

RAMS Comparison Rates

Comparison rate schedule - Variable rates
Comparison rate schedule - Fixed rates
Comparison rate schedule - Pro Pack rates

Special Features and Cash Back*

- Interest Only Maximiser low rate for property investors

- Competitive rates for loans over $500,000

- Low Doc and Equity Line of Credit products same as full doc

- No minimum repayments on fixed rates but with a $2,000 minimum and no ongoing fees.

RAMS Cash Back from Smart Search Finance

Receive a significant cash rebate by getting Smart Search Finance to apply for your home or investment loan.

Call 1300 726 136 to find your exact refund.

Get a Free Online Quote

RAMS may not be your best home loan option. We will match your lending needs to over 35 lenders and over 1,000 home loan options to narrow it down to the most competitive rates and products.