• Stephen Villios from RAMS Mt Barker
    Stephen Villios
    Franchise Principal
    M: 0488 227 200

    Opening Times

    Monday to Friday: 9.00am to 5.00pm After hours appointments available

    Contact Details

    T: (08) 8391 3499
    M: 0488 227 200
    Address: 2/11 Gawler Street Mount Barker SA 5251
  • Introduction

    Your home loan is probably your biggest financial commitment. That's why RAMS Mt Barker 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?

    Meet the RAMS MT BARKER team:

    Stephen Villios, Principal

    P 0488 227 200

    Stathis Papastergos, Home Loan Manager

    P: 8391 3499 

    Mandy Dick, Client Service Manager

    P: 8391 3499



    RAMS Adelaide Central 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 


  • 2 year fixed rate home page with CTA
  • Locking horns tile with CTA
  • Testimonials

    "Saved The Day! The RAMS Unley team and Steve specifically have been great to deal with and made everything happen quicker and better than the big banks could."
    Simon M

    "We recently refinanced with RAMS through Steve and his team at Unley. My husband and I decided to go forward with RAMS as they offered us a competitive interest rate as well as the support we required. We had been stuffed around by other large well known banks and credit unions to the point we nearly lost our dream property however, our RAMS home loan was all approved quicker than anticipated and Steve actually spoke with the real estate agent to ensure he was kept in the loop. My calls (which were many) were either answered and dealt with immediately or I would be called back very quickly, my emails seeking clarification or more information were responded to very quickly, even when Steve was away for a week. To me, the team at the Unley site seemed very organised and focused on the customer and I would have no issues recommending them to family and friends, or anyone else for that matter."
    Belinda Lamshed

    “Stephen at RAMS Adelaide Central worked really hard to get us a fantastic rate. We were very happy with the service from the whole team.”
    Emma Hambour 

    “Stephen Villios and his team (especially Trudi Gameau) at RAMS Adelaide Central worked tirelessly for weeks (months even) to get my home loan sorted. I am often in remote settings and it's hard for me to get documents etc. back to them. Trudi was especially helpful with this type of scenario and exceptionally patient! I received the best deal and the team worked really hard to get me all the bonus deals they could. I have used Steve and his team twice now and it would be a hard task to get me to shop elsewhere in the future. I HIGHLY recommend Steve and his team to anyone seeking a home loan.”
    Ryan Gascoigne 

    “Being a Lender myself for many years, I have always been extremely cautious about moving my home loan or any of my business elsewhere, as the company I work for prides itself on excellent customer service and very competitive rates. I never believed in a million years that I would be able to receive the same service from someone else. Boy was I wrong. Matt McLean would have to be THE most professional, knowledgeable, reliable and efficient home loan provider I have ever come across. I have now been with RAMS for a few months and could not be happier. Matt has maintained contact with me ever since.  If you want a professional, reliable home loan provider with a wealth of knowledge then Matt McLean is THE man. Thank you so much Matt and the RAMS team. I will definitely be referring you to all of my friends and family.”

    “I have had home loans with each of the Big 4 banks but will never leave RAMS now, thanks to Stephen who has orchestrated my last 3 loans with them. Stephen is, quite frankly, exceptional. He takes the time to keep in contact, explain (patiently!) the different options available and works with you to achieve the desired outcome, despite any obstacles. If you are looking for someone who is genuine, easy to talk to, FAST and reliable - do yourself a favour and give Stephen a call. You won't regret it.”
    Laleh Rej

    “I just wanted to express my gratitude to both of you. Your hard work and dedication to my end result was second to none. I have nothing but positive things to say about both of you and RAMS home loans. I know this was a tough one and I probably didn't make your jobs easy with the amount of questions and advice I had and needed. So once again thank you both."
    Ben Barge


    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.