• Cheryl Haywood  from RAMS Morphett Vale -  Southern Vales
    Cheryl Haywood
    Franchise Principal
    M: 0423 027 843

    Opening Times

    Mon to Fri: 9am to 5pm After hours appointments "no problem"

    Contact Details

    T: (08) 8326 0805
    F: (08) 8326 0895
    M: 0423 027 843
    Email: Cheryl_Haywood@rams.com.au
    Address: Unit 2/378 Main South Road Morphett Vale SA 5162
  • Introduction

    Your home loan is probably your biggest financial commitment. That's why RAMS Southern Vales 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 from RAMS Southern Vales

    Southern Vales - Darren Riddle   Southern Vales - Sonia Evans
    Darren Riddle  Dip.FMBM
    Home Loan Manager
    M: 0403 433 756
    E: Darren_Riddle@rams.com.au

    Sonia Evans
    Business Manager
    T: 08 8326 0805
    E: Sonia_Evans@rams.com.au  


    Kelly Scarborough
    Customer Care Manager
    T: 08 8326 0805
    E: Kelly_Scarborough@rams.com.au  

    Kellie Hills
    Home Loan Manager
    T: 0473 000 622
    E: Kellie_Hills@rams.com.au

    Barb Giamalis
    Home Loan Manager
    T: 0478 411 642
    E: Barb_Giamalis@rams.com.au



    RAMS Southern Vales 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

    “Just want to say a big thank you to Darren Riddle for all of his help in setting us up with a home loan to purchase our new home. Darren knew the answers to every question we had, and was able to find as a fantastic deal that could not be matched by any competitors. We were so happy with his service and the product, we subsequently refinanced our existing loans with him and saved ourselves money at the same time.  Darren knows exactly what he is doing and made everything straightforward and easy. We felt unpressured and comfortable throughout the process. We will always use Darren for any future business, and happily send all our friends and family to him as well.”
    Kim I & Clayton B 

    “We received great service and advice from Darren Riddle at RAMS. Based on our current situation, he provided us with options to save money on our home loan leaving us to make the choice (no pressure). With the information we received (which was not forth coming from our current provider), we now have everything we wanted. We are now in a much better position with more financial freedom, just by making the choice to talk to RAMS. I would recommend taking the time to see what RAMS can do for you as well.”
    Brendan W

    "Cheryl and her staff at RAMS were an absolute delight to deal with. From the first call we received the very best customer service along with expert advice which was concise and easy to understand. Before we knew it our home loan was processed and approved. We had been a major banking customer for over thirty years but were looking for a better deal with good service; Cheryl certainly exceeded our expectations. Thank you Cheryl!"
    Charlie & Cara

    “We visited RAMS with a hope of reducing our repayments. Cheryl Haywood, with a friendly demeanour, gave us excellent service and follow up to get us a better deal and saved us nearly $1000 a month, no stress for us in finalising the mortgage. I’ll take RAMS any day. Thanks Cheryl.”
    Eileen Secomb-Redmond

    "The service I got from Darren Riddle at RAMS was very professional. He knew his stuff and guided me through all my options, never pushing me one way or the other. He was interested in saving me money and getting the best option for me which is all you can ask from a loans agent."
    Richard P

    "Over the 6 years since we started our business we have always found banking organisations would not assist us whenever we wanted to look at finance. Julie, we found the way you operated in arranging firstly our mortgage transfer then our line of credit forever positive and professional in every part of the process. You can rest assured that we have nothing but praise for the way you conduct yourself as a representative of RAMS. We have and always will recommend you to everyone.”
    Terry McCoy 

    “We would just like to say how great you and the team were at RAMS in Morphett Vale. We came to you looking to get a home loan as we have been renting for some years and we found that you were so friendly and welcoming to both of us it put us at ease straight away.

    We found a house very quickly and had a very quick settlement. You guys got everything done and approved and even to the point of meeting at my work as Gavin works away on fly in & out in the mines you made yourself available to us to get all the papers signed and sent back.

    We have no problem in recommending yourself to anybody needing your services and I also loved the slippers I received. Thanks again Julie, we cannot speak highly enough of you and we love our new house.”
    Cathy & Gavin Gudyer


    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.