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.
  • Kingsbury

    957 Plenty Road Kingsbury VIC 3083

    Opening Times Mon to Fri: 9am to 5pm

    Weekends and after hours by appointment

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

  • Chris Lee  from RAMS Kingsbury

    Chris Lee

    Franchise Principal

  • Introduction

    At RAMS Kingsbury 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.

    Community

    RAMS Kingsbury 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

    • Thanks very much Laurine. We really appreciate your work on this for us. You've been unfailingly prompt, professional and patient... and always with a sense of humour. RAMS is lucky to have you

       

       
      Carmel Acciarito
    • While my house was under construction, Jim Racicos from RAMS Kingsbury was incredibly supportive and informative. Jim is brilliant at what he does and is never hesitant to help me. I am very grateful that he was able to assist me. What an outstanding invaluable employee.

       

      David
    • Thank you for the work you did in securing my first home for me. As a single, older woman, I never thought I would be able to buy a house and thought I would be renting into my old age. Thank you for believing in me as someone who could service a loan and for supporting my case. It's very much appreciated.

       

      Katherine Baverstock
  • 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.