We are currently experiencing a high call volume. For help regarding hardship as a result of COVID-19 see rams.com.au/covid-19-assist. We will contact you as soon as possible.
  • Northcote

    446 High Street, Northcote VIC 3070

    Opening Times Mon to Fri: 9am to 5pm

    Weekends and after hours by appointment

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

  • Stan Marinis  from RAMS Northcote

    Stan Marinis

    Franchise Principal

  • Introduction

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

    Community

    RAMS Northcote in the community

    Stan Marinis, principal of RAMS Northcote has spent over 40 years in the community. Stan and his family have strong involvement in the local community being a part of a number of sporting organisations, local parish, and various charitable organisations.

  • What our customers have to say

    • We have had the pleasure of dealing with Stan and his team for several years now. Stan's knowledge is second to none and his RAMS team always provides a prompt, efficient and professional service. Our only regret is that we should have been with Stan right from the beginning.
      B 7 S McGurty
    • From the very start of our dealings with Mike Scibilia, he made himself available to us, and nothing was too difficult. He answered the many questions we had with a wonderful attitude. Throughout the loan application process all the way up to us purchasing our very first property, Mike kept us well informed, and made us feel safe. I would recommend him 100% to anyone applying for a loan with RAMS.
      Leah & Simon Lausberg
    • We really appreciate and are thankful for your efforts in helping us to get a great deal. We couldn’t be happier with the level of service you have given us. You have been exceptional!
      Engel Difuntorum
  • 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.