Information for our customers
Find out how you can manage your accounts, discover some of the features and options available on your home loan, and check out our blogs and videos for loads of other useful information.
myRAMS
Manage your home loan, savings and everyday accounts 24/7 with myRAMS. Check your balances, pay your bills, transfer money. All you need is internet access!
Support
We know our customers may need support in different ways at different times in their lives. Whether it’s financial hardship, a difficult domestic situation or health problems. if you need a little extra care, we can help.
Investors
Ready to invest in property? Our loan options for investors include the option of interest-only repayments for up to 10 years
Refinancers
Find out how you could benefit from refinancing – potentially saving money, reducing repayments or unlocking equity in your home.
Find out more about our product features
Offset account
An offset bank account could help reduce interest on your variable rate home loan, while giving you access to funds you can redraw.
Bridging loan
You could still buy your new home even if you haven’t sold your old one yet. Welcome to a RAMS bridging loan.
Redraw facility
You can make additional repayments into your loan account and then access these extra funds when you need them.
Parental leave
Defer principal and interest repayments for up to six months while you’re on parental leave with a Full Feature Home Loan.
Home loan calculators
Use our handy home loan calculators to work out how much equity you could unlock, what an offset account could save you, and more.
Important information
Open Banking
Share your RAMS banking data with parties that you trust, such as other banks and financial services providers.
Comprehensive credit reporting
CCR provides a more complete picture of consumers’ credit history. As part of CCR, RAMS is required to share your account information with the credit reporting bodies.
Identification documents checklist
To set you up as a customer we’ll need some identification documents so we know you’re who you say you are.
Indigenous Australian Customers
Supporting and partnering with our Indigenous customers will help promote social and financial equality. That benefits all Australians.
Forms and downloads
Checklists, definitions, product and rates info, tips and lots of other useful stuff.
Insurance
RAMS Home & Contents and Landlord insurance products are no longer available. However, current holders of these policies will continue to be covered under their existing policies.
