We have high call volumes due to COVID-19, but we are here to help. For info, or to apply for COVID-19 home loan support see rams.com.au/covid-19-assist. We will contact you as soon as possible.
  • ACT Central

    Ground Floor, 10 Rudd Street Canberra ACT 2601

    Opening Times Office opening times are 9.00 am - 5.00pm Monday to Friday

    Appointments available 7 days a week

    Leave your details and your local RAMS Home Loan Specialist will be in contact

  • Neil Harlock from RAMS ACT Central

    Neil Harlock

    Franchise Principal

  • Introduction

    Your home loan is probably your biggest financial commitment. That's why RAMS Canberra is committed to making sure your mortgage is made to measure.

    Our lending managers are qualified to help you with your property finance, and are available 7 days a week. And if you don't have time to call in to the RAMS Home Loan Centre, don't worry - we're happy to come to you. So why not drop in or give us a call today?

    Community

    RAMS Canberra in the community

    RAMS is a home loan provider with local expertise. And you’ll find there’s no one better to talk to when it comes to financing property in our local area. We’re part of your community; here to serve local people just like you – whatever your situation. So whether you’re considering buying your first home, or are ready to purchase again, RAMS can help.

     
  • What our customers have to say

    • Recently we found ourselves in a difficult situation selling our home to buy an apartment. We were facing the possibility of needing bridging finance and needed approval in a short amount of time. My son recommended RAMS, so I contacted the RAMS office in Canberra City and spoke to Nick Lander.

      He arranged for our application to be approved on time, and in a way that suited our circumstances. Nick helped us work our way through the paperwork and we have been recommending his services to people around us.

      Brian and Nola Medway
    • Robert Ringland was referred to us by a friend. Rob has been extremely professional and courteous, and I have referred my son to use Rob for his home loan. Rob's unique understanding of the financial market, combined with his passion for understanding the different challenges of his clients, was far superior to any other lender. Rob is a sincere pleasure to deal with, and we will continue to pass on word of mouth referrals to him.
      John Coetzer
    • We were referred to Alanna Bingham to discuss a loan refinance, as we wanted to look at what other options were out there. After Alanna looked at our repayments she recommended a different loan strategy which meant we were able to reduce our repayments within a few months. She made the process simple and did all the hard work. She made sure the information was all complete and her knowledge and professionalism is unsurpassed. We will only go to Alanna for our loans now.
      Steve and Anita
  • The RAMS six point difference

    We know how busy life can get, so to make it easy we'll meet you at a time and place that best suits your schedule.

    You'll get your RAMS Home Loan Specialist's mobile number, so you can easily reach them without using our call centre.

    At our first meeting, we'll learn about your individual circumstances and then clearly outline the steps to getting a home loan.

    And because no one likes repeating themselves, you'll only need to relay your personal information and situation once.

    We'll then tailor a solution to suit your specific needs, using everything we've learnt to ensure you get the right loan.

    Your local RAMS Home Loan Specialist can even help you with handy contacts, such as solicitors and building inspectors.

  • For help regarding hardship as a result of COVID-19 please complete our assistance form

    Speak to a home loan specialist

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  • More information: 

    Fixed Rate Classic Home Loan

    Credit criteria, fees and charges apply. These rates are current as at 16 May 2020 and are available to new and existing customers. We will apply the fixed rate that is available at the loan settlement date or the date the fixed rate period commences, unless the customer locks a fixed rate in on the loan using our Fixed Rate Lock-in feature (conditions apply). The Fixed Rate Lock-in fee is 0.15% of the fixed loan amount. At the end of the fixed rate period the interest rate will convert to the applicable variable home loan rate.

    *The comparison rate is based on a loan of $150,000 for a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. 

    RAMS Essential Home Loan

    Credit criteria, fees and charges apply. Interest rates are subject to change. RAMS home loans are not available for foreign borrowers residing outside Australia.

    *The comparison rate is based on a loan of $150,000 for a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. 

    $2,000 Refinance Cashback

    Credit criteria, fees and charges apply.1 Offer is current as at 28 February 2020 and may be varied or withdrawn at any time. For new refinance applications received between 28 February 2020 to 30 June 2020 and settle by 31 August 2020. Offer available on the Essential Home Loan, Full Feature and Fixed rate home loan products (excludes Line of Credit) Owner Occupier with Principal and Interest repayments and Investment Loans. $250k min loan per property refinanced. Only 1 cashback per customer with the predominant purpose is refinance will be paid regardless of the number of loans involved. Excludes Line of Credit Loans, switches and refinances of home loans within the Westpac Group which include St.George, Westpac, Bank of Melbourne, BankSA. Offer not available for Owner Occupier Interest Only loans or residential lending originated under family or company trusts. Not available to company and trust borrowers. The offer is limited to one rebate per eligible customer. Split loans are counted as one settled home loan regardless of the number of splits. Rebate will be automatically deposited into the home loan account within 60 days after settlement. If the home loan has a fixed interest rate, the rebate will count towards the prepayment threshold.