• Darlene Neu from RAMS Heathmont
    Darlene Neu
    Franchise Principal
    M: 0423 406 782

    Opening Times

    Mon to Fri: 9am to 5pm; Evenings and Weekends by appointment.

    Contact Details

    T: (03) 9720 8247
    M: 0423 406 782
    Email: MaroondahYarraRanges@rams.com.au
    Address: Heathmont Village, Shop 2 136-138 Canterbury Road Heathmont VIC 3135
  • Introduction

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

    The team at RAMS Maroondah Yarra Ranges

     RAMS Maroonda Yarra Ranges Team


    RAMS Maroondah Yarra Ranges 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.

    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 


  • Low rate home loan first time buyers
  • 2000 rebate
  • Testimonials

    "Elton was efficient, friendly and personable from the moment we first made contact. No question was too stupid and nothing was left unanswered or incomplete. Elton responded to all our queries within a couple of hours, be it morning, night or weekend.  The whole loan application process was a breeze (as much as it ever can be), and Elton let me know the house was settled within a couple of minutes of my conveyancer also doing so. If you want a genuinely no-fuss, all encompassing, easy to understand loan application process, Elton is your man."
    Chris & Sonia 

    "Your friendly, professional and patient manner while you worked on our behalf to secure the first and then a second loan now is almost unbelievable in such a competitive business out there. Over the past twenty five years where I have bought and sold about fifteen properties - your service rates as number one in our eyes."
    Paul Dunne 

    "Thank you so much for all the help you've given us, it's been a smooth sailing process. I could not have asked for a better person to handle our home loan. You have been so wonderful and approachable throughout the whole process. Thank you once again!"
    Cristina & George Veralas 

    “As a first home buyer and someone who works shift work, the process of buying my first home was seamless thanks to Darlene at RAMS. After a quick Google search and doing my research on banks, I narrowed it down to RAMS and one other. After checking in with my own bank, it was apparent that 30 years of being a customer still meant I had to deal with being transferred to departments within departments, and very impersonal service. Darlene on the other hand called me within the hour, offered to come to my own home and discuss what I wanted... not just what she could offer, which meant that I was able to get a home loan that suited me and my lifestyle. Darlene was able to provide me with all the information I needed and more, explained the entire process and within weeks my finance was approved and I had the keys to my new home. Darlene offered customer service above and beyond what I ever expected, many late night emails due to my shift work and the most transparent and honest approach for what was the biggest purchase of my life. The RAMS product was certainly comparable with features that suit my finances and lifestyle, as well as a low interest rate. I can't thank Darlene enough for all the hard work she does, I can certainly recommend her to friends, family and anyone who is after a stress free home loan experience.”
    Sharni Brown

    “In 2014 we approached RAMS in Heathmont and we were put in touch with Darlene Neu.  For our initial consultation, Darlene visited us in our house and we found her to be relaxed and friendly. Admittedly we were not looking for a big loan, and our income and overall financial position was secure but nevertheless, Darlene made everything straightforward and simple. Unfortunately, the sale of our house and the purchase of the apartment was delayed a few times due to delay in completion of the construction of the apartment, but each time we spoke to Darlene she was positive and helpful. We can highly recommend Darlene Neu and we would certainly recommend her to anyone else looking for a mortgage loan. Getting a loan is more than just a question of the lowest interest rate – it is also about service and extras.”
    Cathy Cassoulas & Chris Cote

    “Applying for a home loan seemed like a daunting and difficult task, especially as we were first time home buyers and had no idea what the process involved. Darlene walked us through every stage of the process with such professionalism and care and it made buying our first home a seamless and stress-free task. She went above and beyond our expectations and gave us an extremely personalised service. We would most certainly recommend her services to all of our friends and family!”
    Olivia and Eckart

    “Elton is a fabulous man and a great asset to the company. His professionalism and knowledge is amazing. Nothing was too hard for him and he was very encouraging at all times. Even when I really put Elton in a hard spot due to time lines, he smiled and did his absolute best. I can be very impulsive which can make me a little difficult, not once did he look frustrated with me. He just calmly explained the process. I would and have recommended Elton to anyone and everyone. He was an absolute pleasure doing business with.”
    Lisa McGill

    “After being unsuccessful applying for home loan pre-approvals multiple times from different banks, we almost wanted to give up.  However my sister who was also a previous RAMS customer, recommended I contact RAMS to see if they could assist me.  Initially I was very hesitant because I didn’t want to be disappointed again, but then I thought I would not lose anything if I tried. I checked the RAMS website for a phone number and was connected to Melissa Pearce. I was very thankful and happy to speak to Melissa that same day.  She was very polite, positive and kind over the phone when I explained our financial situation just having moved to Australia from America and the difficulty we had trying to obtain pre-approval.  

    After our initial conversation, Melissa and the team at RAMS were very helpful in helping us secure a home loan. Melissa made the process very smooth and a lot less stressful.  She’s always on the top of everything, and quickly and efficiently responded to all my questions and concerns. Melissa and RAMS team did an incredible job making our dream of owning a house come true!

    Just as my sister recommended RAMS to us, I also wouldn’t hesitate to recommend RAMS to family, friends, or anyone!  They offered great service and a wonderful supportive team.  Melissa Pearce from the Heathmont office was especially kind and professional, and working with her was an enjoyable experience. Thank you Melissa and the whole RAMS team for doing everything over and beyond your capacity to help us, we are truly grateful.”
    Teresita Garcia

    “I turned up unannounced at the RAMS office in Heathmont in late September 2016 and was greeted with a smile by Christian Arsenis. Christian sat me down as I explained to him my dreams of buying a new townhouse. I told Christian of the obstacles, disappointments and lack of “customer care” I had experienced with my bank for over 10 years, including nearly losing my house 3 times !! I had also visited my bank the day before, just to give them an opportunity to assist with my needs, but left feeling, again deflated and somewhat backed into a corner (as they seemed to love holding the power over me).

    Immediately, Christian began to look into my situation, leaving no stone unturned. He spent over 45 minutes ascertaining facts and figures and at no stage did I feel embarrassed nor deflated, due to the diligence and personal care I was receiving (yes, I just walked in off the street and was now been treated like a valued customer).. From the appointment with Christian, I was now finally in the position to follow my dreams...”Yes, we can help you”, words I hadn’t heard from a lender in so long.

    After three more relaxed meetings and phone/text messages, Christian had not only pre-approved a home loan for me but also “held my hand” when I was ready to make an offer on the new townhouse. He offered his ongoing support and was available at any time that I needed guidance. In fact, I feel like I have gained a great friend from this experience. (oh yes, my first offer was accepted too).

    I have no hesitation in recommending Christian to any of my friends, relatives or colleagues if great service, understanding and sincerity is what is desired.”
    Jillian N 

    “My partner and I recently sold our house and purchased another. In what could easily have been the most stressful and confusing process, the shining light was Christian from RAMS. He was nothing short of amazing! Nothing was ever too much effort, he came out numerous times to our house to discuss things and was super easy to contact via phone or email. He is honest, reliable, hardworking, professional and most of all just a really nice guy. Jarrod and I cannot thank Christian enough for his efforts because we definitely would not have been able to achieve what we have if we didn’t have him.”
    Xanthe Vela

    “My brother and I chose RAMS because we knew one of their home loan managers. Christian was really helpful to us and informative as to how to go about getting a home loan and purchasing our first property, explaining specific processes along the way and offering sound advice. Christian made consultations easy as he was able to meet with us outside of our work hours, in the convenience of our home AND he was also available to answer any of our calls. We would definitely recommend Christian and RAMS to friends and family - I have, in fact, already passed on his details to friends who are interested in buying property.”

    “RAMS was recommended to us by my brother, who spoke highly of the company’s long-term commitment to their customers. I found every interaction I had with RAMS to be positive, Christian was particularly helpful in all the different stages of purchasing our first home, from running reports on properties and providing us with as much information as he could to help us make the most informed decisions prior to purchasing. To tirelessly chasing up all the necessary paperwork to make sure that settlement happened as quickly as possible. Christian definitely went above and beyond in the week of settlement, and when there were delays, he pushed and found alternatives to speed it up.

    I would definitely recommend RAMS to friends and family, as I have been very impressed with their service and am looking forward to continuing our relationship with them.”

    “We had a really positive experience through Melissa our loans consultant with RAMS. Her friendly approachable nature made it a pleasant experience with applying for our loan.  We would highly recommend Melissa to get the job done.”
    Alan and Leeanne Croot


    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.