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.
  • Raymond Terrace - Port Stephens

    13 William Street Raymond Terrace NSW 2324

    Opening Times Monday to Friday: 9.00am to 5.00pm

    After hours appointments available

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

  • Michael Atherton from RAMS Raymond Terrace - Port Stephens

    Michael Atherton

    Franchise Principal

  • Introduction

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


    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.


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

  • What our customers have to say

    • Thank you Michael Atherton from RAMS Port Stephens. What you did for us was nothing short of amazing. Michael guided us through the whole process, allayed all our questions, concerns and fears quickly and professionally. He returned phone calls, outside the usual 9am-5pm times.

      Michael’s manner was warm, genuine and heartfelt; nothing was ever too much trouble for him. He was the first congratulatory phone call when our loan had settled, and it's a fact I'll never forget.

    • We had actively been watching the property market and were aware that our case was not clear cut. We made several online enquiries with different lenders. Within 2 hours Michael Atherton called us. He took the time to understand our situation, and uncovered extra government assistance that we weren't claiming. I can't recommend Michael Atherton and his team at RAMS Port Stephens enough. We are very thankful for his passion and expertise, without it, we wouldn't be in our own home now.
      Jordi and Penny
    • I was very pleased with the service by Michael Atherton when I purchased my home. He provided a very prompt and efficient service and was very easy to contact at all times. He ensured that I fully understood all my options regarding home loans and made the sometimes confusing process of finalising a home loan easy and hassle free.
  • 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.