Loan amount
Loan term
RAMS Home Loans is owned by Westpac Banking Corporation, one of the most secure banks in the world with a strong deposit base that has been built up over 191 years in the business.
If you are over 18 and can meet RAMS' lending guidelines, any Australian Resident can apply for a RAMS home loan.
Depending on your circumstances and the home loan you have applied for, you will generally need to supply the following:
- Completed and signed RAMS Standard Application Form.
- 100 Point Check AML Customer Identification Checklist (with accompanying identification) per applicant.
- First Home Owner Grant application (if you're a first home buyer).
- Signed copy of Contract of Sale (required for purchase only).
- 6 Months Home Loan Statements (required for refinance only).
- Rates Notice for existing property used as security (required for refinance/equity releases only).
- Copy of last 3 months’ loan statements for any loan to be paid out (required for loan consolidation only).
- Evidence of income – most recent payslip or letter from employer detailing conditions and most recent group certificate.
- If you are applying for a RAMS Low Doc loan you will need to supply a Borrower Certificate of Income Declaration or a letter from your accountant outlining each applicants' income details. If you are a PAYG employee – A pay-slip or employment letter (no older than 30 days).
Australian credit licence 388065
If you have difficulty making a repayment, contact the RAMS Customer Service team on 13 RAMS, that's 13 7267, and speak to one of our consultants about your situation.
Mon - Sun: 7am - 11pm
Locked Bag 5001, Concord West, NSW 2138, Australia
Head Office: Level 7, 17 York Street, SYDNEY NSW 2000
Phone: 13 7267
Overseas: +612 9647 6967
Fax: 02 9736 5273
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