RAMS Fixed Rate Home Loan

The RAMS Fixed Rate Home Loan offers fixed rates from 2.89% p.a. (4.87% p.a. comparison rate*). Low deposit home loans.


Updated 22 May 2022

* See details below

Interest Rates
Enter scenario to see relevant rates
I want to borrow
with a deposit of
for my
Principal & Interest(% p.a.)
Rate
Type
Interest
Rate
Comparison
Rate*

1 Year Fixed

2.89%

4.87%

2 Year Fixed

3.79%

4.87%

3 Year Fixed

4.29%

4.93%

4 Year Fixed

4.49%

4.98%

5 Year Fixed

4.69%

5.05%

10 Year Fixed

5.64%

5.76%

Interest Only(% p.a.)
Rate
Type
Interest
Rate
Comparison
Rate*

1 Year Fixed

4.09%

5.51%

2 Year Fixed

4.49%

5.48%

3 Year Fixed

4.89%

5.52%

4 Year Fixed

5.09%

5.57%

5 Year Fixed

5.19%

5.60%

Product Details
If you are looking for a packaged home loan with additional extras, the RAMS Fixed Rate Home Loan can form as part of the fixed portion of your loan should you wish to split your loan between fixed and variable rates. By being a fixed rate home loan, you can benefit from inbuilt protection against rate changes during the fixed interest rate period as well as having the ability to make additional repayments up to $30,000 during the fixed term period."
- RAMS
Fees

•

$595 establishment fee

•

$20 ongoing monthly fee

Other fees may apply.

Loan Amount

•

From $15,000

Feature

•

Split your loan into fixed and variable rate portions

•

Make extra repayments

•

Redraw extra repayments that you have made

TMD

Before applying for this product, you should read the Target Market Determination (TMD) available here on the RAMS website.

More information
* Comparison rate is based on a secured loan of $150,000 over a 25 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
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