• Rebecca Ebbels from RAMS Ballarat
    Rebecca Ebbels
    Franchise Principal
    M: 0417 532 162

    Opening Times

    Monday to Friday: 9.00am to 5.00pm Saturday - 'Available by Appointment'

    Contact Details

    T: (03) 5332 9697
    F: (03) 5326 1288
    M: 0417 532 162
    Email: ballarat@rams.com.au
    Address: 426 Sturt Street, Ballarat, VIC 3350
  • 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.

    The RAMS 6 point difference

    1. Your first meeting won’t be a sales pitch. It starts with us listening and understanding your goals and unique situation. 
    2. From our very first contact you will have your RAMS home loan specialist’s mobile number who will be your main point of contact right through until settlement and beyond. 
    3. From the start, your dedicated RAMS home loan specialist will know your story, your ambitions and your needs. So you’ll only ever need to have that first long conversation once. 
    4. You won't be offered a home loan that doesn’t suit your needs. 
    5. You’ll have access to the RAMS local network of contacts to help as you progress to purchase. 
    6. Your dedicated RAMS home loan specialist will be available for advice and help whenever you need on your home buying journey. 
  • Self-employed award 


  • 2 year fixed rate home page with CTA
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  • Testimonials

    “Working with Rebecca and the team at RAMS in Ballarat is a breeze. This is my first home loan and I researched quite a bit which bank or financial group to go with. When reading other peoples experiences from a wide range of financial institutions, talking with family and friends, and then chatting with Rebecca, I felt the choice was simple for me. 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

    “After leaving my bank in tears after being told I wasn't approved for a home loan with them, I was deflated and thought my aspirations of purchasing my own home would never be a reality and I thought I was going to be a renter for the rest of my life. The next day, I contacted Bec at RAMS. Her kind and professional manner made me feel reassured straight away. I have always found banks and "bank jargon" very overwhelming, but Bec made everything sound simple and straight forward. Within 24 hours I was pre-approved for a home loan and then the approval came through a short time after. I now live in my own house with my four year old daughter and finally, have somewhere that I can not only call home, but feels like home too. I will be forever grateful to Bec for making my dream a reality.”
    Luci Campbell

    “Thanks to Rebecca Ebbels from RAMS in Ballarat, my husband and I were able to source a far better home loan rate than we were offered through 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 from Rebecca 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

    “We would highly and sincerely recommend Rebecca Ebbels, and her team at RAMS in Ballarat, to any family member or friend looking for a home or investment loan. Rebecca worked with us to identify what our needs and options were, and continued to review these and offer advice and support, until we purchased our new house. Rebecca is extremely professional and provided an exceptionally high level of service with such things as, providing clear and detailed advice so that we could make informed decisions, documented financial scenarios for mortgage options and information on documentation requirements. Rebecca keeps in touch throughout the entire loan process, and was more than willing to do the hard yards to make things happen on time. We will definitely call on Rebecca’s services in the future if the need arises.”
    Clayton & Carmen

    “We had the pleasure of dealing with Rebecca from RAMS. When the other bank said no, she said yes. Very professional and accommodating to our needs. We would highly recommend her.”
    Courtney and Ash, Ballarat

    “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

    Our customers have provided these testimonials voluntarily and they are published with their consent. If we have edited them, it is to correct grammatical or typing errors, or to reduce the length.