RAMS Mortgage Lender

RAMS Mortgage Lender

RAMS Mortgage Lender, more known as Registered Australian Mortgage Securities, launched their RAMS Home Loans brand in 1995 and assigned mobile RAMS Home Loan Managers all over Australia. In 2002, they set up the first two RAMS Home Loans Center for walk-in clients. There were 100 RAMS Home Loan Centers by early 2008. RAMS Mortgage Lender was acquired by the Westpac Banking Corporation in January 2008.

RAMS Mortgage Lender offers several home loan products to suit varied needs:

1. RAMS 100% Home Loan -- RAMS Mortgage Lender's 100% Home Loan provides 100% of the property's value as loan.
2. RAMS Limited Deposit -- RAMS Mortgage Lender's Limited Deposit lets borrowers purchase a home with only a 3% deposit on the property's cost.
   
3. RAMS Fast Track -- RAMS Mortgage Lender's Fast Track allows 100% valued cost loans to borrowers with a third party guarantor.
4. RAMS Fixed Rate -- RAMS Mortgage Lender's Fixed Rate secures monthly payments and protects borrowers from increasing market interest rates.
5. RAMS Easy Start -- RAMS Mortgage Lender's Easy Start offers three years of discounted variable interest rates.
6. RAMS Basic -- RAMS Mortgage Lender's Basic Loan is the simple, low variable interest rate loan alternative.
7. RAMS IO Maximizer -- RAMS Mortgage Lender's IO Maximizer lets borrowers make interest-only payments for the first ten years.
8. RAMS Line of Credit -- RAMS Mortgage Lender's Line of Credit allows access to the property's equity.
9. RAMS SmartWay -- RAMS Mortgage Lender's SmartWay is a transaction account linked to the borrower's home loan. The balance of the transaction account is set against the loan's balance, decreasing interest incurred.

RAMS Mortgage Lender offers a lot more home loan alternatives. Check out their website or call a local agent.