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.
  • Penrith

    235 High Street, Penrith NSW 2750

    Opening Times Mon to Fri: 9am to 5pm and after hours by appointment

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

  • Robyn Foster from RAMS Penrith

    Robyn Foster

    Franchise Principal

  • Introduction

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

    Robyn Foster is the Franchise Principal of RAMS Penrith and was the first female franchisee at RAMS. Along with her fantastic team, affectionately known as “Robyn and the Ramettes”, they have been providing a range of specialised mortgage and home loan products and services to the Penrith and surrounding local community for over 13 years. 

    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?

    Penrith team photo

      
    Meet our team

     Penrith Franchise Robyn Foster  Penrith Julie Dean
    Robyn Foster
    Franchise Principal
    M: 0410 544 279
    E: penrith@rams.com.au
    Julie Dean
    Senior Home Loan Specialist
    M: 0414 313 777
    E: penrith@rams.com.au
     Penrith Christy Griffin  Penrith Kristie Cooper
    Christy Griffin
    Home Lending Specialist
    M: 0429 292 945
    E: penrith@rams.com.au
    Kristie Cooper
    Home Lending Specialist
    M: 0476 666 174
    E: penrith@rams.com.au
     Pentrith Cathy O_Connor  Penrith Emily Gasparovic
    Cathy O'Connor
    Business Manager
    Ph: 02 4731 3777
    E: penrith@rams.com.au
    Emily Gasparovic
    Business Manager
    Ph: 02 4731 3777
    E: penrith@rams.com.au
     Penrith Jemma Tidyman  Penrith Julie Robinson
    Jemma Tidyman
    Business Manager
    Ph: 02 4731 3777
    E: penrith@rams.com.au
    Julie Robinson
    Business Manager
    Ph: 02 4731 3777
    E: penrith@rams.com.au
     Penrith Catherine Rearden  
    Catherine Rearden
    Administration Assistant
    Ph: 02 4731 3777
    E: penrith@rams.com.au
     
       
       
       

     

      

    Community

    RAMS Penrith in the community

    Penrith community involvement       NADO Live Your Way

    We are all local people who understand your way of life and our community. We have a long-term commitment to Penrith. RAMS Penrith proudly supports the Nepean Area Disabilities Organisation, along with the Luke Priddis Foundation, a local charity raising awareness of the hurdles faced by children with Autism Spectrum disorders (ASD).  We are a Gold Sponsor for the Luke Priddis Foundation, and for every Home Loan approved and funded for someone who is a supporter of the Foundation, we will make a $250 donation to the Foundation.

  • What our customers have to say

    • I have done two loans with RAMS. Absolutely the best agent I have ever dealt with. The team is amazing and extremely professional. They have assisted me in every possible way to make the deal happen on both occasions. A special thanks to Julie and Emily to your continued support and help throughout the process. Wish you all the best and hope to do more business with you guys in future.
      Andy & Anne
    • I would like to thank you so much, RAMS in Penrith have been a pleasure to deal with and I must particularly say thank you for my snuggly RAMS slippers that arrived today. Robyn, Julie and the whole team have been nothing short of helpful and very professional, I will be recommending RAMS in Penrith to everybody I know and come across in the future. Customer service is hard to come by this day and age but it sure is at RAMS in Penrith!
      Bronwyn Harris
    • Being self-employed, it can be challenging getting great deals when it comes to home loans, but that all changed after we talked to Robyn Foster at RAMS in Penrith. Robyn and her team totally understood our circumstances. They were very patient, guiding us through the paperwork and extremely professional with all their business. Their customer service is exceptional, the personal service we received made us feel like people and not just as an account number. We really can’t thank Robyn and RAMS in Penrith enough!
      Mr J & Mrs C Taylor
  • 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.