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.
  • Ballarat

    426 Sturt Street, Ballarat, VIC 3350

    Opening Times Monday to Friday: 9.00am to 5.00pm

    Saturday - 'Available by Appointment'

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

  • Rebecca Ebbels from RAMS Ballarat

    Rebecca Ebbels

    Franchise Principal

  • Introduction

    Your home loan is probably your biggest financial commitment. That's why RAMS Ballarat 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?


    RAMS Ballarat in the community

    RAMS is a national 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

    • Rebecca at RAMS Ballarat recently completed the finance for our land purchase and new home construction. Rebecca explained our options thoroughly and made the application process easy. The approval process, cooperation through land settlement and now with our stage payment draw downs, everything could not have been smoother.  We happily recommend anyone requiring finance to experience just how easy it can be in dealing with RAMS in Ballarat.
      Justin & Maxine
    • Thanks to Rebecca Ebbels from RAMS Ballarat, my husband and I were able to source a far better home loan rate than we were offered from our bank, and we were able to free up some extra finance to assist in planning our new family. We couldn't have been happier with the friendly service and professional advice we received and have happily referred friends and family to have their loan needs assessed. The whole process was easy, open and honest resulting in a great financial outcome.
      Kate Hassell
    • Working with Rebecca and the team at RAMS in Ballarat is a breeze. In all aspects, the personal assistance I have received has been second to none. Every step of the way I have felt at ease because the communication and consultation has been extremely professional and helpful. Any issue there has been, has been resolved quickly and efficiently, and any questions I have had, has been answered right there and then. I would highly recommend the team to anyone.
      Jarrod Handford
  • 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

    * Required

    By submitting this form you acknowledge that you have read and accept our privacy statement

  • Refi rebate tile - with CTA
     SE award 3 years running jpg


    2 year fixed rate home page with CTA
  • Credit criteria, fees and charges apply. 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.

    **Depending on the Loan to Valuation Ratio (LVR) of your application, you need to demonstrate either 6 or 12 months’ satisfactory rental history through receipts for private rentals or a letter from the licensed property manager/agent and your weekly rental payment must exceed 40% of your new weekly loan payment.