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.
  • Hervey Bay - Wide Bay

    Opening Times Monday to Friday: 9.00am to 5.00pm

    After hours appointments available

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

  • Greg Ryland from RAMS Hervey Bay - Wide Bay

    Greg Ryland

    Franchise Principal - Mobile Lender

  • Introduction

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

    Community

    RAMS Hervey Bay 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.

  • What our customers have to say

    • We applied for a home loan through one of the big banks and were unsuccessful. After nearly losing hope, we heard about Greg Ryland from RAMS. We found that Greg had the required knowledge and commitment to get the job done. Once assessing our situation and needs, Greg had an unconditional approval for us in a very short time. I sincerely recommend Greg Ryland's services to anyone looking for a home loan or to refinance. Wouldn't use anyone else.
      Ashleigh Bauer
    • We just want to say a big thank you Greg Ryland for getting us back into the property market. He came across as very knowledgeable, friendly and professional so we felt quite comfortable to proceed with him. By March, my family and I were financially ready to move forward, April we were stoked to get approval and May we moved into our beautiful home. Even though at times we were stressed and worried, Greg always put our minds at ease and turned this into an enjoyable experience.
      Nigel & Lisa Tylah-Kerr
    • Just when we had all but given up on the possibility of getting any sort of investment finance at all, my wife met Greg Ryland. Within a few days of meeting with us and discussing our needs, Greg came up with a finance solution for us. We found Greg to be extremely honest, friendly, caring and genuine, with an excellent practical knowledge of the finance industry and how it works. Greg was a pleasure to do business with, and we look forward to an ongoing relationship with him.
      Wayne & Lynette
  • 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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  • 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.