RAMS Home Loan Lender

RAMS Home Loan Lender

RAMS Home Loan Lender launched their RAMS Home Loans brand in 1995 and was available to clients via their call center, website and mobile RAMS Home Loan Managers. In 2002, the company set up two RAMS Home Loans Center as trial; both of which were successful in attracting walk-in clients. RAMS Home Loans Center then grew to 100 by 2008.

The company, as RAMS Home Loans Group, was listed on the Australian Stock Exchange in 2007. By January 2008, it was acquired by the Westpac Banking Corporation. This effectively combined RAMS Home Loan Lender's home loan expertise and the funding might of one of Australia's leading banks.

RAMS Home Loan Lender offers the following home loan products:

1. RAMS Home Loan Lender's 100% Home Loan lets borrowers loan the full purchase price of the property.
2. RAMS Home Loan Lender's Limited Deposit allows the borrower to purchase a home with minimal deposit of the property's cost.
   
3. RAMS Home Loan Lender's Fast Track lets borrowers loan a higher amount based on the property's cost, letting borrowers save on mortgage insurance through a third party guarantor.
4. RAMS Home Loan Lender's Fixed Rate protects borrowers from fluctuating interest rate through set monthly loan repayments.
5. RAMS Home Loan Lender's Easy Start provides discounted variable interest rates for the first three years of repayment or based on special conditions attached to the agreement.
6. RAMS Home Loan Lender's Basic Loan is the no frills, low variable interest rate option.
7. RAMS Home Loan Lender's IO Maximizer provides low variable interest rates and up to ten years of interest only repayments.
8. RAMS Home Loan Lender's Line of Credit gives borrowers easy access to their home's equity.
9. RAMS Home Loan Lender's SmartWay provides a home loan account from where borrowers automatically deposit their salary to pay towards their mortgage and withdraw extra funds for everyday needs.
10. RAMS Home Loan Lender's SmartWay Pro Pack applies to loans $250,000 and up, and provides easy loan and money management options.

Other loan types may be found in RAMS official website.