• Matthew Clark  from RAMS Dapto Mall
    Matthew Clark
    Franchise Principal
    M: 0423 840 251

    Opening Times

    Mon to Fri: 9am to 5pm After hours and weekends by appointment

    Contact Details

    T: (02) 4261 3200
    F: (02) 4260 8742
    M: 0423 840 251
    Email: Wollongong@rams.com.au
    Address: Dapto Mall Shop G114 Princes Highway Dapto NSW 2530
  • Introduction

    RAMS Home Loans are now in two convenient locations in the Illawarra. Our Wollongong office is located in Kembla Street and our Dapto office is in the Dapto Mall Shopping Centre and all are open 6 days.

    Matthew, Principal of the RAMS Home Loan Centre Illawarra, was named Franchise of the Year for the third year in a row at the annual RAMS National Franchise Awards 2016.  Matthew also received the Excellence Award NSW/ACT.  View media release.

    Matt Clark receives the Franchise of the Year award for the third year running

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

    Illawarra team



    RAMS Home Loans Illawarra in the community

    RAMS has been helping locals with their home loan needs since May 2004. We are a local business owned by local people, bringing our customers the extra care factor. With well over 50 years’ combined experience, the team at RAMS offer a personalised home loan service, and we specialise in a range of home loans for first home buyers, investors and refinancers. We’re also well known for helping the self employed. RAMS Home Loans Illawarra is an active supporter of our local community, sponsoring many local sporting groups and businesses.

     RAMS Wollongong awards

    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

    "We refinanced our mortgage through RAMS Wollongong and were very pleased with the level of service & professionalism that we received. The whole process was relatively easy. Matt especially provided us with his advice as to which option would best suit our situation, got us a great rate and made it feel like a personalised transaction and that we weren’t just ‘another number’. His support staff were really helpful, knowledgeable & friendly as well. The follow-up & support afterwards is also a lovely addition. It was a stress-free, easy process that benefited our family (just a few months down the track). I couldn't speak more highly of the service we received from RAMS and would recommend them to anyone without hesitation."
    A. Andersen 

    "We were made to feel welcome upon applying over 4 years ago, the team were prompt and professional and nothing was a problem. Since then we have had a look at refinancing and although we didn't take up the offer we had a prompt valuation and great communication.   We will be buying an investment property and we won't shop around while we can go to RAMS Wollongong." 
    C. Hindson

    "I love the service RAMS provides, I couldn't recommend you highly enough!! The staff are wonderful to deal with, nothing is ever a problem or a drama, all you have to do is ask! Much easier to deal with than other competitors!"
    A. Keys 

    "We had always seen the cute RAMS home loan ads on TV but never thought about using RAMS.  That was until our BIG bank wasn’t interested in lending to us!  We had banked with them for years and had our business accounts there too. BUT because we were self employed and they couldn’t easily tick the boxes they said no. Nearly at our wits end, we were advised to call Matthew Clark, and we had the loan pretty much on the spot!
    It was over the Christmas/New Year period but Matt was still available to help get us sorted. Not only were we able to move into our dream home before our other one sold, it was all lots less stressful than it had been until calling Matt.  The service and care has been great. We were even sent RAMS Raymond slippers and the coolest thongs with grass on them! If you are feeling frustrated with one of the big banks give RAMS Illawarra a call. You won’t regret it I promise:-)
    Oh, and does your current bank send you a birthday card? RAMS Illawarra do and it’s the little things like that, that make their service more personal than a average bank."
    K. Simonds


    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.