We are currently experiencing a high call volume. For help regarding hardship as a result of COVID-19 see rams.com.au/covid-19-assist. We will contact you as soon as possible.
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  • Scott Morton from RAMS Mittagong - South Coast

    Scott Morton

    Franchise Principal

  • Introduction

    Your home loan is probably your biggest financial commitment. That's why RAMS South Coast 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 South Coast in the community

    RAMS is a national home loan provider with local expertise and when it comes to financing property in our local area - there’s no one better to talk to than the RAMS South Coast team. As an independently owned business we’re part of your community; here to serve local people like you. If you are a first home buyer, a property investor, self-employed or just looking for a better deal, we can help you achieve a better financial future.

  • What our customers have to say

    • Stuart Bayliss was my first point of contact via phone, but the whole crew at the Mittagong office are worth a lot in my books, as I'm sure a few worked on my home loan.  The end result is a new house, plenty of smiles and a new pair of RAMS slippers.  Happy days!
      Toby & Kerry
    • My sister recommended RAMS in Mittagong after I had told her I wasn't happy with my current home loan.  So I called Stuart Bayliss from RAMS - best advice I have ever been given. From start to finish Stuart excelled in customer service he made this loan application the most painless easy no hassles experience. He actually made me feel like I was important not just another number. I will 100% recommend Stuart and RAMS in Mittagong to everyone I meet. Thank you again for everything I am one happy customer.
    • We have our property in Ulladulla mortgaged through RAMS and Leesa has been our point of contact. I have always found Leesa to be exceptionally responsive, courteous and overall, a consummate professional to deal with. Recently we acquired another Sydney property and we used RAMS. RAMS has excellent customer service and is always more than fair in its dealings and communication. We love working with her and look forward to more business together.
      Isabel and Michael
  • 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.

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  • Credit criteria, fees and charges apply. 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.

    **Depending on the Loan to Valuation Ratio (LVR) of your application, you need to demonstrate either 6 or 12 months’ satisfactory rental history through receipts for private rentals or a letter from the licensed property manager/agent and your weekly rental payment must exceed 40% of your new weekly loan payment.