• Michael Atherton from RAMS Raymond Terrace - Port Stephens
    Michael Atherton
    Franchise Principal
    M: 0499 154 030

    Opening Times

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

    Contact Details

    T: (02) 4987 7255
    M: 0499 154 030
    Email: Michael_Atherton@rams.com.au
    Address: 13 William Street Raymond Terrace NSW 2324
  • 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.

    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

    “Thank you Michael. Prior to you walking into my office to promote your new business we hadn't considered RAMS to refinance our current home. We have dealt with many banks over the years financing previous homes and investment properties we have owned and at times found the process quite stressful and time consuming. We found your interest rate to be competitive and whole process to be quick and easy with a minimum of fuss, thanks to the hard work and professionalism of you and your team. I would recommend you to anyone looking to finance a home.”
    Murray and Debbie Cashmere

    “We are first time home buyers thanks to Michael from RAMS, I recommended him to family and friends, and would recommend him to anyone.”
    J. Stewart

    “I took a job opportunity in Port Stephens and after living in the area for a year we decided that we wanted to stay. At the time we were renting but had been actively watching the property market and going to some open homes.I had visited a couple of banks in order to get some basis of where we stood and how much we could borrow. It became clear that they weren't prepared to lend us too much with Penny being on unpaid maternity leave. Penny made a number of online enquiries with different lenders, and within 2 hours she had received a call back from Michael Atherton from RAMS.

    Michael was very flexible and together they arranged an appointment for the following day at 5pm on a Friday afternoon! I couldn't believe it. Up to now most lenders/brokers had insisted we do the travelling. Michael was eager and asked questions, he took the time to understand our situation. We were aware that our case was not clear cut and there were going to be some hurdles to jump. Penny wasn't due to go back to work for 4 months so we only had my income to work with.

    We had a decent deposit but no where near 20%. He calculated the LMI we would have to account for as well as stamp duty and all the other expenses associated with purchasing a home, making sure there were no hidden surprises. He also uncovered extra government assistance that we weren't claiming, and explained that this could be used towards servicing the mortgage. It was this discovery that got us over the line and finance was made possible.

    I can't recommend Michael Atherton and his team at RAMS Port Stephens enough. They were so professional and also very efficient, which is very important when competing with other buyers. Michael even contacted the selling agent to follow up on our offer reaffirming that our finance was going ahead. He truly does this job to help people achieve their goal of home ownership and does his very best to make it happen. We are very thankful for his passion and expertise, because without it, we wouldn't be in our own home now.”
    Jordi and Penny

    “I was very pleased with the service recently offered by Michael Atherton of RAMS Port Stephens when I was purchasing 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.”

    “We would like to say a big thank you to Mick and the team at RAMS Port Stephens for all their help and support during the recent purchase of our new home. We felt confident that we would achieve a great outcome from the first time we met Mick, and we were very pleased with the continued communication and service provided to us during the process. We would recommend Mick and RAMS Port Stephens to anybody looking to purchase a home in the future and have already told a number of our friends about the excellent service. Thanks again, we absolutely love our new home.”
    Mark and Meegan Coddington

    “I just want to take the time to say thank you Michael Atherton from RAMS Port Stephens.

    What you did for us was nothing short of amazing. Being first time home buyers we made all the beginner mistakes; eg: like making an offer for a property before securing finance. Michael guided us through the whole process transforming us from prospective home buyers to home owners. He allayed all our questions, concerns and fears quickly and professionally, returning phone calls and emails at our convenience, and when required outside the usual 9am-5pm banker times. 

    In the course of securing our home loan we met with Michael several times and with each meeting his manner was warm, genuine and heartfelt; he took the time to inquire about our lives beyond that of the home loan process; and he treated us first and foremost as people and not as a business client.

    Nothing was ever too much trouble for him. Michael made the whole process of securing finance the easiest element in purchasing our home. He was the first congratulatory phone call when our loan had settled, and it's a fact I'll never forget. 

    I have no hesitations whatsoever in recommending Michael Atherton from RAMS Port Stephens, and it's my only hope, that you; who is reading this, makes the decision; so that you too can experience the same level of dedication and personal service that we received.”



    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.