• Julie Lawrence from RAMS Capalaba
    Julie Lawrence
    Franchise Principal
    M: 0402 561 156

    Opening Times

    Mon to Fri: 9am to 5pm Please call to make an appointment or email j_lawrence@rams.com.au

    Contact Details

    T: (07) 3106 4030
    M: 0402 561 156
    Address: Suite 10/39 Old Cleveland Road Capalaba QLD 4517
  • Introduction

    Your home loan is probably your biggest financial commitment. That's why RAMS Capalaba 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 Capalaba 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
  • Locking horns tile with CTA
  • Testimonials

    "I received exceptional service from Carlo Ponturo and the team at the Redlands RAMS Home Loan Centre. Due to another financial institution letting us down, we had a very tight timeline for getting finance approval for the purchase of our new home. Carlo was very understanding, listened to our requirements and came up with the best solution to meet our needs. He kept us updated at every step of the application process, and met every deadline. Without Carlo and the RAMS team stepping up, we would not be moving into our new home. Their efforts are greatly appreciated."

    Karl Jackson 

    "I previously had countless bad experiences with several different banks. Carlo, on the other hand, was a breath of fresh air. He was very knowledgeable, always kept us well informed, and he said it how it is - without beating around the bush. I have never felt the need to write a good review about someone until now. I would not hesitate to recommend Carlo to any friends or family. "  

    Daniel & Erica Westby

    "Amanda and the RAMS team were brilliant. We had such a fantastic experience for the purchase of our first home. Amanda and Bianca went above and beyond, answering the millions of questions we had with kindness and patience. Amanda was also full of knowledge and she genuinely cared about helping us have the best experience possible.  RAMS are efficient and quick, from the start of our application to progress payments to the builder. We will definitely recommend RAMS to any family and friends in the future. "
    Tiffany Aukuso & Casey Wright 

    “I don’t know where to start except by saying that Julie is awesome!! We dealt with a previous broker (not RAMS) who assured us everything was fine for 3 months.  Then the approval was “withdrawn”, there were promises it would be “100% okay” and we would be fine. It wasn’t and we were within 7 days of defaulting on an unconditional contract, losing our deposit, losing our dream property and maybe ending up on the wrong end of a law suit.

    A friend gave me Julie Lawrence’s number and suggested I give her a call. I almost didn’t – what could anybody do to help us in such a short time frame? As a last resort I talked to Julie. In 6 days she did this:
    - Processed our loan application
    - Got a conditional approval
    - Got a valuation
    - Got an unconditional approval
    - Got mortgage documents issued, signed and returned to solicitors
    - Got it settled
    - Answered EVERY phone call, email and text message 

    Incredible service, honesty, integrity and a great loan at a great rate. When we asked what we could do to thank her the response was ‘There’s no need, I don’t know why you had so much trouble in the first place.’ I don’t know what else to say except don’t go anywhere else for your loan. Thanks Julie, you went above and beyond.”
    Andrew, Julie, Tim and Teagan 

    “Thanks to both Julie and Amanda for all of your help.  We are extremely grateful to Amanda for going above and beyond, to ensure that we were able to complete handover. Thanks Julie, for always answering my questions and being available when I needed to clarify things. It was a pleasure dealing with both of you, and RAMS, again, and we would not hesitate to contact you for any future mortgage requirements.”
    Lynda Shaw and Scott Mason

    “From the initial call I was impressed, you did not rush the call and you ensured that we were fully aware of every aspect of building a home and the steps that we would be taking through the loan process. You were able to give us a quick approval, and we got the block of land we were hoping for.  Through the construction your office was extremely helpful to ensure that the experience for us was a good one, and now we are in our new home.  Thank you again to you and your team, I look forward to calling you in the future when we are in the position to get our next property.“
    Cade & Jana

    “I just wanted to express our sincere thanks for our experience with RAMS in Capalaba. As soon as we stepped in the door, Robin was there welcoming us. Sitting down and talking with you about our mortgage was the easiest ‘money’ discussion John and I have ever had.  You answered all our questions with simple-to-understand answers, explained every step of the process and helped us with options that best suited our situation. John and I walked away from our meeting positive we had made the right decision to refinance with RAMS. If anyone I know is looking to refinance their mortgage or even purchasing their first house, I will definitely be passing your number on to them and singing your praises! Thank you Julie!”
    Kylie Carpe

    “From our very first contact Steph managed to strike the right balance between approachable and professional.  She was very confident that she would be able to assist us and didn't hesitate in collating all of the information she required.  Steph was always available and encouraged us to contact her with any queries or concerns.  Aaron and I have had some rather unfortunate dealings with other home loan providers promising us the world and in the end, not delivering. As I am sure you can appreciate we were a little hesitant with Steph's confidence in our application, however in this instance she was 100% correct.  I have never had such a smooth, enjoyable experience with a home loan provider. Steph was supremely organised and had everything ready to go once our application was approved. We were kept informed at every stage. I wouldn't hesitate to recommend Steph, or RAMS to others.”

    “We have used Julie and the team at RAMS in Redlands for the refinance of our residential home loan.  The process was extremely quick and easy.  Being a small business owner I previously had to get together reams and reams of paper and it always seemed to take forever – to the point where it was easier to stay with an existing home loan provider rather than have to go through the whole rigmarole of changing!  Since that initial refinance we have put further financing through and that process was equally as easy. We would have no hesitation in recommending RAMS in Redlands to anybody looking for a home loan provider.”
    Lisa and Sean

    “I would like to commend Carlo for his outstanding job getting myself and my wife finance to build our dream home. I had previously had countless bad experiences with several different banks. Carlo was a breath of fresh air, he was very knowledgeable, always kept us well informed and said it how it was without beating around the bush.

    I will not hesitate to recommend Carlo to any friends or family seeking finance.”
    Daniel & Erica Westby

    “Luke and I wanted to take this opportunity to thank you and your team for all the support with our new home. We especially wanted to thank Amanda, who has been so amazing throughout this whole process. She has been supportive, kind and has always made herself available. I have already recommended Amanda to friends and family who are thinking of purchasing their own home.”
    Tiff and Luke Heins

    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.