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.
  • Dapto Mall

    Dapto Mall Shop G114 Princes Highway Dapto NSW 2530

    Opening Times Mon to Fri: 9am to 5pm

    After hours and weekends by appointment

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

  • Matthew Clark  from RAMS Dapto Mall

    Matthew Clark

    Franchise Principal

  • 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

  • What our customers have to say

    • We refinanced our mortgage through RAMS Wollongong and were very pleased with the level of service & professionalism that we received. Matt especially provided us with his advice, 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. I couldn't speak more highly of the service we received from RAMS and would recommend them to anyone without hesitation.
      A. Andersen
    • 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 RAMS home loans 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. BUT because we were self-employed, they said no. We were advised to call Matthew Clark, and we had the loan pretty much on the spot! We were able to move into our dream home and the service and care has been great. Give RAMS Illawarra a call, you won’t regret it I promise.
      K. Simonds
  • 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

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    2 year fixed rate home page with CTA


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    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.