Finance

Finding a home loan to suit your unique lifestyle and budget may sound complicated, but it doesn't need to be. We're here to help guide you through the process.

RAMS customers in Queensland who are building a new home on vacant land they already own, or on land they will purchase separately or as part of a house and land package, will be able to use the Home Builder Grant as a contribution toward the construction, where they can provide the pre-approval or conditional approval documentation from the QLD, SA or TAS State Revenue Office

Rams Home Loans can now use the HBA Grant as part of the client’s funds to complete which is the news we have been waiting for. What is even more exciting is for First Home Buyers it means we have $40,000 to use towards their deposit. ALSO, we are discounting Lenders Mortgage Insurance by $5,000 for them at a base rate of 2.29% fixed for 2 years with up to 32 year loan term!

What does this look like for a First Home Buyer?

On a $400,000 House and Land Package

The client would usually need $20,000 in their account.
With what we can do now, they only need approximately $5,000.

On a $450,000 House and Land Package

the client would usually need $24,000 in their account.
With what we can do now, they only need approximately $11,500.

On a $475,000 House and Land Package

The client would usually need $26,000 in their account.
With what we can do now, they only need approximately $14,000.

On a $500,000 House and Land Package

The client would usually need $28,000 in their account.
With what we can do now, they only need approximately $17,000.

What if I have owned a house before?

RAMS are more than happy to sit down with you and discuss alternative options on a case-by-case basis, and are available for after hour’s appointments and weekends to fit in with your schedule.