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  • Morphett Vale - Southern Vales

    Unit 2/378 Main South Road Morphett Vale SA 5162

    Opening Times Mon to Fri: 9am to 5pm

    After hours appointments "no problem"

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

  • Cheryl Haywood  from RAMS Morphett Vale -  Southern Vales

    Cheryl Haywood

    Franchise Principal

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


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

  • What our customers have to say

    • 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 team were great at RAMS in Morphett Vale. We came looking to get a home loan as we have been renting for some years. We found the team to be so friendly, and welcoming, which put us at ease straight away.

      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
    • Cheryl and her staff at RAMS Southern Vales were an absolute delight to deal with. 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. Cheryl certainly exceeded our expectations. Thank you!
      Charlie & Cara
  • 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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  • 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.