Firmly centered on home loans and with a limited ancillary offering, RAMS has been targeting Australian homeowners since 1995.
With a sweet & cheeky 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 centers proved hugely popular.
A Household Name
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 Home Grown Company
With a reputation grown 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.
What RAMS can offer you
The basic offering of a home loan to an owner-occupied client will entail choosing from a dazzling number 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 This can also be withdrawn if needed later.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 up to 5 years on owner-occupied loans. No monthly fees accrue on this loan either, whether an investor or a live-in owner.
Loans for Self Employed
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.
In a Nutshell
- Fixed-rate home loans
- Interest rate From 4.14% to 6.14% per annum
- Loan term maximum 30 years
- Online application
- In-store application
A Unique Lender with Maximum Flexibility
All in all, RAMS is a sassy and homespun company, matching their marketing appeal with the reality of a fine-tuned offer to prospective homey 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 a broad and highly capable potential partner 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.
Eligibility & Requirements
Other Products & Services
- Home Loans
Here’s a short video about RAMS
- 13 72 67
- 02 9736 5273
- Level 12, 321 Kent Street, Sydney, NSW, 2000, Australia
- RAMS Financial Group Pty Ltd, Locked Bag 5001, Concord West, 2138, Australia
- 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