We understand that anyone can experience financial problems. We encourage you to contact us to discuss your change in circumstances
We understand that anyone can experience financial problems. Life can take unexpected turns that sometimes make it difficult for you to maintain your repayments. Whether it’s COVID-19 related, illness, loss of employment, a relationship breakdown or something else, we encourage you to contact us to discuss your change in circumstances.
If you are experiencing financial difficulty due to COVID-19, we may be able to provide a solution that will give you the support you need to get back on track.
This may include:
If you are a RAMS home loan customer, call us on 1800 143 075 or you can fill in our online form at the bottom of this page and we’ll contact you as soon as possible. It is important you include your contact details and other relevant information. If you require Translation Services, please tell us your preferred language.
Some of the things we may be able to offer are:
A professional consultant will assess your request
Your individual situation will be reviewed to find a tailored outcome
If required, we can put you in touch with a free Financial Counselling service
How your circumstances have changed
How much you can pay towards your accounts
What changes you expect in your circumstance and by when.
Are you experiencing financial difficulty?
RAMS Customer Assist on 1800 143 075. Operating hours 8.30am – 6.00pm (AEST) Monday to Friday, closed weekends and public holidays.
Below are the standard forms used by Financial Counsellors.
You can obtain free independent advice from a Financial Counsellor. This is a free service with dedicated people in each state that will work with you to understand your circumstances and help with next steps.
Contact the National Debt Helpline on 1800 007 007 for a free, independent financial counselling service.
Customers in Financial Hardship - Helpful information from the ABA (Australian Bankers' Association Inc)
Financial Counselling Australia (FCA) - FCA is the peak body for Financial Counsellors in Australia
MoneySmart - an initiative of the Australian Securities & Investments Commission (ASIC) which offers tips and tools to help you make the most of your money.
National Debt Helpline - a not-for-profit service that helps people in Australia tackle their debt problems.