RAMS Mortgage Company

RAMS Mortgage Company

One of the leading lending companies in Australia is RAMS Mortgage Company. RAMS Mortgage Company is dedicated to serving several competitive home loan options to Australians. The home loan products and services offered by RAMS Mortgage Company are especially designed to suit the individual needs of the people. The main office of RAMS Mortgage Company is located in Concord West, New South Wales. The "RAMS" in RAMS Mortgage Company refers to Registered Australian Mortgage Securities.

RAMS Mortgage Company History

The history of RAMS Mortgage Company started with the 1980s deregulation of the finance industry in Australia. RAMS Mortgage Company was founded in 1991. In 1995, the RAMS Home Loans brand of RAMS Mortgage Company was introduced to the Australian retail market. The two home loan centres of RAMS Mortgage Company were opened in Sydney in the year 2002.

RAMS Mortgage Company Home Loans

RAMS Mortgage Company features varied types of home loans. Each RAMS Mortgage Company loan is designed to meet the personal needs of customers. The twenty different types of home loans offered by RAMS Mortgage Company are as follows:

• 100% Home Loans - allows the borrowing of the home's full purchase price
• Limited Deposit - features a "no full deposit" option
• Fast Track - allows debtors to save on mortgage insurance
• Fixed Rate - features a protection against rising interest rates
• Easy Start - involves a 3-year home loan honeymoon
• Basic - features low rate home loans without account keeping fees
• IO Maximiser - allows the investment on properties
• Line of Credit - allows an access to home equity
• SmartWay - allows the use of salary as loan payment
• SmartWay Pro Pack - allows the borrowing of AU$250,000 or more
• Line of Credit Pro Pack - allows an access to home equity
• Fixed Rate Pro Pack - includes stable interest rates for larger loan amounts
• Standard Variable - involves standard loan features
• Fixed Rate Low Doc - features stable interest rates
• Low Doc 500 Plus - includes preferential rates and few paperwork
• SmartWay Low Doc - involves smart money management and simpler paperwork
• Line of Credit Low Doc - features convenient equity access
• SE Pro Pack - includes discount rates and simplified paperwork
• Line of Credit SE Pro Pack - features an instant access to home equity
• Fixed Rate SE Pro Pack - involves repayment certainty and simplified paperwork