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?

    Community

    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

  •  

    2 year fixed rate home page with CTA
     
      
     

     

    Essential tile with button
     
      
     

     

    Refi rebate tile - with CTA

      

  • 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.