If your friends or family are in the market for a home loan, then we would love to hear from them. If you refer a friend to RAMS Home Loans, and they apply for a loan by 30 December 2011, you will be placed in the draw to win 1 of 10 iPad 2s. If your friend settles their RAMS home loan before 31 March 2012 they will go into the draw to win $10,000 off their RAMS home loan.

Remember to make sure that you've asked each person for their consent to provide their information to us, and informed them that RAMS will be contacting them.

To enter, simply complete an entry form at your local RAMS Home Loans Centre.