• Christoper Lee  from RAMS Kingsbury
    Christoper Lee
    Franchise Principal
    M: 0434 130 460

    Opening Times

    Mon to Fri: 9am to 5pm Weekends and after hours by appointment

    Contact Details

    T: (03) 9471 4467
    F: (03) 9471 4468
    M: 0434 130 460
    Address: 957 Plenty Road Kingsbury VIC 3083
  • Introduction

    At RAMS Northern Melbourne we are committed to exceptional service for all our customers. We are a family owned and operated business that has covered three generations and over 80 combined years of experience in lending.

    Your home loan is probably your biggest financial commitment. That’s why we are committed to making sure your mortgage is made to measure. So why not drop in and see us? If you don’t have time to call in, we’re happy to come to you.


    RAMS Bundoora 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 


  • 2 year fixed rate home page with CTA
  • Locking horns tile with CTA
  • Testimonials

    "I first came across Jim Rachcoff  through my sister’s solicitor who highly recommended him. Jim came out to meet me and was I so grateful for his outstanding service. Jim went above and beyond.  Almost four years into my loan and was in need of some advice regarding my loan. My first port of call was the RAMS call centre, and unfortunately they were not able to assist with my enquiry, so I decided to see if Jim was available to help. I cannot express in words just how satisfying it was to talk to Jim. Jim actually remembered me and I know he wasn’t just saying he did as he could remember the situation and the reason why I needed RAMS loan to begin with, this itself just showed me how valued as a customer I was. Jim again went above and beyond, which I am grateful for and to be completely honest the biggest reason I'm still with RAMS today.  

    So I would like to extend my thanks to Jim and his outstanding work. It’s hard today to find this kind of passion for caring, and to me Jim is not only knowledgeable but very caring and accommodating and always goes well above and beyond to satisfy.

    Keep up the amazing work Jim! As long as Jim is at RAMS I can say I'm happy to stay on board with RAMS."


    "I am a customer of RAMS and have been for the last six months. I would like to send a special thankyou to Jim, who assisted with my loan. He was outstanding with the professionalism he showed and outstanding genuine care throughout the setting up of the loan. Nothing seemed too much and always managed to sort it out."
    Carmel Acciarito

    "While my house is currently under construction, Mr Jim Racicos has been incredibly supportive and informative. Just wanted you to know he is brilliant at what he does and is never hesitant to help me. I am very grateful to have his assistance. He has truly made my year. What an outstanding invaluable employee you have."
    Joumana Dodd

    "Yesterday I was given the keys to my first home. I wanted to write and thank you for the work you did in securing the loan for me late last year. As a single, older woman, I never thought I would be able to buy a house and would be renting into my old age. Thank you for believing in me as someone who could service a loan and supporting my case. It's very much appreciated. I know that it's not always easy for single women to get loans, and I am excited to be moving into my new home next week."
    Katherine Baverstock

    “I would like thank Jim Racicos from RAMS in Bundoora whom was the main reason we chose RAMS as our home loan provider. Throughout this process, Jim took us through from point A to Z... From our first encounter with Jim, he completely earned our trust. His professionalism, attention to detail and his patience to answer and follow up any queries we had promptly did not go unnoticed. 

    We went around previously to different lenders but we didn’t receive the same attention and professionalism as we did with Jim. We have since then recommended Jim Racicos to all our friends and clients that I deal with on a daily basis.  

    Thanks again to all the staff at RAMS in Bundoora and again a special thanks to Jim Racicos. He's a true asset to your company and we look forward to future dealings with Jim.”
    Luisa G

    "I would like to thank Jim and the team at RAMS Home Loans Northern Melbourne for an amazing result. We came from another bank that had knocked us back but when Jim looked at our application he had no hesitation that he could see this as a success. I believed in Jim and was confident he could deliver on what he promised. Jim had a lot of challenges and adversity through which he persevered and succeeded all the way to our final settlement. Thank you Jim for allowing us to buy our dream home in Brighton"
    Thor Bloomfield

    “I’ve been a customer for nearly 10 years. From my first interaction with your organisation, I have received exceptional service. My most recent experience was when I called and asked for a reduction in the rate I was paying. I spoke to my loan manager who offered to call me back with a better rate in 48 hours. He did, and made it a simple decision to stay with RAMS.

    I have a feeling that the person I spoke to maybe the same person who originally wrote the loan a decade ago… If so, he truly needs to be commended. If it’s not the same person, then kudos anyway! You’ve kept me a satisfied customer for a long time.”

    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.