RAMS

Registered Australian Mortgage Securities or (RAMS) was founded in 1991.

When RAMS first started their services was made available to customers via their call center or via their website only.

Home loan centers were opened on a trial basis in 2002 in Sydney. In 2003 RAMS franchised their Home Loan Centers throughout Australia.

In January 2008 the RAMS brand and distribution business was acquired by the Westpac Banking Corporation.

Home Loan Portfolio:

• No frills - a basic loan designed for the rate conscious.
• Low Doc loans - specifically for the self-employed.
• Pro Packs - loan life discounts for larger loans.
• Line of Credit loans - for easy access to pre-approved credit limit. 

See the tables below for the full range of RAMS loan products.

The product conditions set out in this document apply to loans available through RAMS Home Loan Centres.  Different product conditions may apply to loans available through RAMS accredited brokers.
 

Home Loans

Home Loan	Rate	Enquire
RAMS RAMS Rate Relief	5.83%	Enquire »
RAMS RAMS Easy Start	6.04%	Enquire »
RAMS RAMS IO Maximiser	6.04%	Enquire »
RAMS RAMS SE Pro Pack 2 (60% Option)	6.09%	Enquire »
RAMS RAMS Smartway Pro Pack 2	6.09%	Enquire »
RAMS RAMS Fixed SE Pro Pack 1	6.19%	Enquire »
RAMS RAMS Fixed SE Pro Pack 2	6.19%	Enquire »
RAMS RAMS Fixed Full Doc	6.19%	Enquire »
RAMS RAMS Fixed Pro Pack 1	6.19%	Enquire »
RAMS RAMS Fixed Pro Pack 2	6.19%	Enquire »
RAMS RAMS Smartway Pro Pack 1	6.19%	Enquire »
RAMS RAMS SE Pro Pack 1 (60% Option)	6.19%	Enquire »
RAMS RAMS Line of Credit SE Pro Pack 2	6.23%	Enquire »
RAMS RAMS Line of Credit Pro Pack 2	6.23%	Enquire »
RAMS RAMS Basic	6.26%	Enquire »
RAMS RAMS SE Pro Pack 80	6.39%	Enquire »
RAMS RAMS Line of Credit Pro Pack 1	6.43%	Enquire »
RAMS RAMS Line of Credit SE Pro Pack 1	6.43%	Enquire »
RAMS RAMS Smartway	6.69%	Enquire »
RAMS RAMS Standard Variable	6.73%	Enquire »
RAMS RAMS Line of Credit	6.73%	Enquire »
RAMS RAMS Fixed Low Doc	6.94%	Enquire »
RAMS RAMS Low Doc 500 Plus (80% Option)	7.63%	Enquire »
RAMS RAMS Line Of Credit Low Doc 2	7.73%	Enquire »
RAMS RAMS Line Of Credit Low Doc 1	7.83%	Enquire »
RAMS RAMS Smartway Low Doc (80% Option)	7.83%	Enquire »