Brief Descriptions of Products will appear here.





Standard Variable Rate

A standard variable rate loans are predominately used for purchasing owner occupied or investment properties and commercial transaction where residential property is available as security. This is a flexible loan with a low up front fee and a competitive variable interest rate. This loan also allows you to benefit from market rates when they are lower.



Discount Variable Rate

This loan is used predominately for purchasing owner occupied or investment properties. This loan has all the features of the Standard Variable Rate, with an additional benefit of a discount being applied to the first year of the loan. The loan automatically converts to a Standard Variable Rate at the end of this discount period.



Home Loan

There are various options regarding housing loans dependant on your specific needs. You can have a basic "no frills" home loan through to "premium" home loan with extra features like: unlimited no fee redraw, direct salary crediting, direct debit and BPay options to name a few. Talk to one of our consultants to help you find the best product that suits your needs.



Fixed Interest Rate Home Loan

Lock in your interest rate for up to five years, allowing you to budget for exactly what the repayments will be for that period.  This type of loan also allows for optional additional repayments.



Building/Construction Loan

This loan is designed to help those wanting to build a new home or investment property.  It allows for progress payments during the building phase, and automatically converts to a Standard Variable Rate at the end of the building phase.



Line of Credit

A line of credit can be set up using the equity you have in your own home. This can be used for any worthwhile purpose e.g. a new car, holiday, education fees, or perhaps starting a new business. While similar to an overdraft the main difference with this product is that it is designed for core or long term debt with the customers balance expected to fluctuate near the total approved limit and seldom to hold a credit balance.



Bridging Loan

Designed to help those that need to pay for their new home before selling their old one. Provides up to 12 months to sell your existing home. Allowance can be made to capitalise you interest during transition from one house to the next. If you are thinking of selling and want to start looking for your dream home now, talk to one of our experienced consultants here at Goldram.


Low Doc Loans

Designed for any customer that may find it difficult to demonstrate their ability to service their borrowings . Customers can choose from a number of products depending on the purpose of the loan. Talk to one of our consultants to discuss your requirements and the best product to suit you.


Professional Packages

Professional packages used to be only offered to Lawyers and Doctors etc. but that has all changed. They are now available to everyone dependent on the amount you borrow. With a professional package you receive a discount on your interest rate and concessions on other products provided by the banks and fees (annual fee applies). Talk to one of our experienced consultant to see if a professional package suits your needs.