• 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.


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

    Meet our team

    Wollongong - Jason Dunn Wollongong - Bobby Veljanovski
    Jason Dunn 
    Home Loan Manager
    M: 0401151910
    E: jason_dunn2@rams.com.au
    Bobby Veljanovski
    Home Loan Manager
    M: 0439568230
    E: bobby_veljanovski@rams.com.au  
     Wollongong - Sara Carr  
    Sara Carr
    Home Loan Manager
    M: 0439469741
    E: sara_carr@rams.com.au

    Todd Windsor 
    Home Loan Manager
    M: 0412039876
    E: todd_windsor2@rams.com.au
    Glen McKenzie
    Home Loan Manage
    M: 0498003537
    E: glen_mckenzie@rams.com.au

    Zachary Biddulph 
    Home Loan Manager
    M: 0432733906
    E: zachary_biddulph@rams.com.au
    Raelene Smith 
    Home Loan Manager
    M: 0413971189
    E: raelene_smith@rams.com.au

    Illawarra team

    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



    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

    • At every interaction Todd has displayed the most professional, transparent and up to date market information which has allowed me, family members and colleagues the opportunity to purchase, sell and invest in property in the local market. Nothing is ever a problem for Todd or the staff; prompt call backs, clear, concise and accurate information and attention to detail is second to none. I cannot commend Todd and the Dapto team more highly! 

      Kim Barlow
    • Damien’s degree of customer service, support and knowledge is beyond outstanding. He honestly would be one of the most stand out people I’ve dealt with and I have no hesitation in recommending Damien and RAMS.
    • I spoke to a couple of different lenders and I'm so glad I chose RAMS to help me with my home loan refinance! Matt and Todd went above and beyond to get me a fantastic interest rate and were nothing but amazing every step of the way! When dealing with finances, trustworthiness is paramount and these guys have it in spades! BIG thanks to whole team at RAMS!

  • 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.

  • Speak to a home loan specialist

    We'll be in contact within 2 business hours

    * Required

    By submitting this form you acknowledge that you have read and accept our privacy statement


    Essential tile with button


    LMI offer tile with CTA


    New purchase rebate


    More information:

    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.

    RAMS LMI Offer

    1Offer available for eligible First Time Buyers approved for their first home loan with loan to value ratio (LVR) greater than 80% and up to 95% including LMI premium at time of formal approval. LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of the customer’s loan compared to the Bank’s valuation of the property offered to secure the loan, expressed as a percentage. First Time Buyers are applicants applying for their first home loan for their first property. For joint applications, at least one applicant must be a First Time Buyer. Available on New Owner Occupier & Investment loans with Principal & Interest repayments. Not available on Interest Only repayments. Offer current as of 13 July 2020. Offer may be varied or withdrawn at any time. Min loan size of $250k. Max one security property per application. Excludes Line of Credit, Constructions Loans which remain on Interest Only repayments after completion of the initial Interest Only period, Land Only Loans, RAMS Fast Track home loans, company and trustee borrowers, refinances, and switches and refinances of home loans within the Westpac Group which includes RAMS, St. George, Westpac, Bank of Melbourne and BankSA. Offer not available in conjunction with RAMS New Purchase Buyer $2,000 Rebate offer. Lender’s Mortgage Insurance premium will be reduced for eligible customers up to a max of $5,000 with a premium of at least $1 payable for LMI by the customer. This will be reflected within the Home Loan Agreement. Where the LMI premium is more than $5,000, RAMS will pay $5,000 towards the premium. The balance of the LMI premium will be payable by the customer. LMI subject to approval and customer must adhere to LMI obligations during the loan agreement. Lender’s Mortgage Insurance (LMI) is issued to Westpac Banking Corporation ABN 33 007 457 141 (Westpac) by Westpac Lender's Mortgage Insurance Limited ABN 60 074 042 934, Australian credit licence 388077 a subsidiary of Westpac. Funds to cover transaction costs are required. This information does not take into account your personal circumstances. 

    New Purchase Rebate

    2The New Purchase Buyer $2,000 Rebate offer is available for new home loan applications with a minimum loan size of $250k, received between 1 February 2021 and 30 April 2021 and settled by 30 June 2021. Offer may be varied or withdrawn at any time. A New Purchase Buyer is an applicant purchasing a property with an owner occupier or investment, principal & interest home loan (including construction loans). The offer is limited to one rebate per eligible home loan application. Split loans are counted as one settled home loan regardless of the number of splits. This offer is not available for refinances of existing home loans or in conjunction with the $4,000 Refinance Rebate offer. Excludes Owner Occupier, Interest Only home loans (except construction loans). Excludes Line of Credit Loans. Not eligible for applications received outside of the campaign period. Offer not available for non-resident borrowers. Not available to company and trust borrowers. The rebate will be automatically deposited into the RAMS home loan account within 60 days after settlement. If the RAMS home loan has a fixed interest rate, the rebate will count towards the prepayment threshold. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters.