• Jovan Selvaratnam from RAMS Hawthorn
    Jovan Selvaratnam
    Franchise Principal
    M: 0451 466 911

    Opening Times

    Monday to Friday: 9.00am to 5.00pm After hours appointments available

    Contact Details

    T: (03) 83918415
    M: 0451 466 911
    Address: 623 Burwood Road, Hawthorn VIC 3123
  • Introduction

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

    Your home loan is probably your biggest financial commitment. That's why RAMS Hawthorn is committed to making sure your mortgage is made to measure.

    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

    “Thanks Jovan and Manjit for absolutely everything you have done in helping me refinance my home loans and consolidate all the credit card debts. Your professionalism, communication, and efficiency went above and beyond. Your services should be recommended with both my pleasure and confidence without any hesitation. I truly appreciate your unending, relentless and incredible support that always makes me feel humble and grateful and makes the whole refinancing process so much quicker and easier. Again, a huge thank you! Definitely could not have done it without you. Much appreciated.”
    Tony P.

    “I dropped in to see RAMS in their new office in Hawthorn East recently out of the blue to see what sort of finance packages they have compared with my current bank. They made time for me immediately, we sat down and worked carefully and methodically through my financial situation which involved several properties and different loan types. As I am self-employed, they came up with an option for re-finance using a self-employed loan which my current lender was either unable or unwilling to do. The paperwork was painless, the communication and service levels were high and the turnaround time excellent.”  
    Steven C.

    “My dealings have been with Jovan and he has always been extremely efficient, courteous, professional and helpful. Jovan's patience in guiding us through a somewhat complex process has been very much appreciated. Jovan responded promptly to all our enquiries and provided sound advice and assistance. It was a pleasure dealing with Jovan and I would have no issue in recommending him.”


    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.