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.
  • 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: 0437 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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  • 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.