For COVID-19 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.
  • Mt Lawley

    Unit 2/672 Beaufort Street, MT LAWLEY WA 6050

    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

  • Lawrence Game  from RAMS Mt Lawley

    Lawrence Game

    Franchise Principal

  • Introduction

    Your home loan is probably your biggest financial commitment. That's why RAMS Mt Lawley is committed to making sure your mortgage is made to measure.

    Our lending managers are qualified to help you with your property finance, and areavailable 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?"

    Community

    RAMS Mt Lawley 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 are considering buying your first home, or are ready to purchase again, RAMS can help.
  • What our customers have to say

    • Rhoda is a true professional who supported us right through to the end. Her level of expertise was evident from the scenario planning and guidance, choosing the right loan structure and final settlement. I will happily use Rhoda for any future loans and recommend her to our friends.
      Jennifer and Allan
    • I am writing to thank you for your top notch customer service.  You got my loan approved within a week. If I could give you 100 stars for your prompt service and attention to detail, I would.  Also, I can’t thank you enough for your unparalleled support even on the weekend. Even my solicitor has good words to say about you.  I will definitely come back to you for all my future home loan transactions and will recommend your services to my family and friends
      Anurag
    • My recent experience with Suzanne Caruthers was outstanding! In the past I nearly gave up buying my own home due to half-hearted staff whose incompetent service left me constantly disappointed. Suzanne possesses a solid and full knowledge in her field, and has displayed excellent communication skills, with an honest interest in her career and the customers she serves.
      Dee Dewar
  • 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

    Speak to a home loan specialist

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    New purchase rebate

      

    More information:

    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.

    RAMS LMI Offer

    1Offer available for eligible First Time Buyers approved for their first home loan with loan to value ratio (LVR) greater than 80% and up to 95% including LMI premium at time of formal approval. LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of the customer’s loan compared to the Bank’s valuation of the property offered to secure the loan, expressed as a percentage. First Time Buyers are applicants applying for their first home loan for their first property. For joint applications, at least one applicant must be a First Time Buyer. Available on New Owner Occupier & Investment loans with Principal & Interest repayments. Not available on Interest Only repayments. Offer current as of 13 July 2020. Offer may be varied or withdrawn at any time. Min loan size of $250k. Max one security property per application. Excludes Line of Credit, Constructions Loans which remain on Interest Only repayments after completion of the initial Interest Only period, Land Only Loans, RAMS Fast Track home loans, company and trustee borrowers, refinances, and switches and refinances of home loans within the Westpac Group which includes RAMS, St. George, Westpac, Bank of Melbourne and BankSA. Offer not available in conjunction with RAMS New Purchase Buyer $2,000 Rebate offer. Lender’s Mortgage Insurance premium will be reduced for eligible customers up to a max of $5,000 with a premium of at least $1 payable for LMI by the customer. This will be reflected within the Home Loan Agreement. Where the LMI premium is more than $5,000, RAMS will pay $5,000 towards the premium. The balance of the LMI premium will be payable by the customer. LMI subject to approval and customer must adhere to LMI obligations during the loan agreement. Lender’s Mortgage Insurance (LMI) is issued to Westpac Banking Corporation ABN 33 007 457 141 (Westpac) by Westpac Lender's Mortgage Insurance Limited ABN 60 074 042 934, Australian credit licence 388077 a subsidiary of Westpac. Funds to cover transaction costs are required. This information does not take into account your personal circumstances. 

    New Purchase Rebate

    2The New Purchase Buyer $2,000 Rebate offer is available for new home loan applications with a minimum loan size of $250k, received between 1 October 2020 to 31 January 2021 and settled by 31 March 2021. Offer may be varied or withdrawn at any time. A New Purchase Buyer is an applicant purchasing a property with an owner occupier or investment, principal & interest home loan (including construction loans). The offer is limited to one rebate per eligible home loan application. Split loans are counted as one settled home loan regardless of the number of splits. This offer is not available for refinances of existing home loans or in conjunction with the $2,000 Refinance Rebate offer. Excludes Owner Occupier, Interest Only home loans (except construction loans). Excludes Line of Credit Loans. Not eligible for applications received outside of the campaign period. Offer not available for non-resident borrowers. Not available to company and trust borrowers. The rebate will be automatically deposited into the RAMS home loan account within 60 days after settlement. If the RAMS home loan has a fixed interest rate, the rebate will count towards the prepayment threshold. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters.