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.
  • East Gosford

    77 Victoria Street, EAST GOSFORD NSW 2250

    Opening Times Mon to Fri: 9am to 5pm

    Sat and Sun by appointment only

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

  • John McAnulty from RAMS East Gosford

    John McAnulty

    Franchise Principal

  • Introduction

    Our East Gosford office provides a warm, personal and private environment to discuss your finance options with our experienced and professional staff. All of our staff are “locals” and have an in depth knowledge of the area and the home loan market.

    Community

    RAMS East Gosford in the community

    We are proud to be a sponsor of the East Gosford RAMS Soccer Club and work closely with many local businesses and groups, including the Chamber Of Commerce.

  • What our customers have to say

    • It was a breath of fresh air to find someone who knows what they are talking about, someone who gets the job done... I thought it was impossible! Then I met the team from RAMS East Gosford, an excellent group of professionals who are diligent, knowledgeable and really good at what they do. Trust me, if you are looking for the ultimate finance solution, then give the guys at RAMS East Gosford a call, I guarantee you’ll be impressed.
      Jamie Granger
    • I decided to give RAMS a call and I was assisted by Anj Della Bosca. I did not realise at the time but this phone call changed my life for the better. Anj helped us step by step with the application process. I cannot thank her enough as she was so consistent with following up, we rang her almost every day to get help and advice on things. We probably drove her mad, but she was so patient and understanding, and still continues to provide this excellent service to us now.
      Kathryn Ryan
    • I found Anj Della Bosca to be fantastic to deal with from the start. She was professional and communicated well. It was a huge relief to be dealing with Anj in a male dominated industry. She was a breath of fresh air and - the process was simple. As a self-employed business owner RAMS had the answer. I would recommend the team at RAMS East Gosford to anyone.
      Lucia Dengate
  • 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

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  • 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.