We have high call volumes due to COVID-19, but we are here to help. For 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.
  • Richmond Hawkesbury

    310 Windsor Street Richmond NSW 2753

    Opening Times Monday to Friday: 9.00am to 5.00pm

    Saturday - 'Available by Appointment

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

  • Justin Leaney from RAMS Richmond Hawkesbury

    Justin Leaney

    Franchise Principal

    Jeremy Whitelaw from RAMS Richmond Hawkesbury

    Jeremy Whitelaw

    Franchise Principal

  • Introduction

    Your home loan is probably your biggest financial commitment. That's why RAMS Hawkesbury/Blue Mountains 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?

     The team from RAMS Richmond - Hawkesbury        

    Janet Knight_RAMS Hawkesbury  Trish Adams_RAMS Hawkesbury
    Janet Knight
    Home Loan Manager
    M: 0411 250 932
    E: janet_knight@rams.com.au
    Trish Adams
    Home Loan Manager
    M: 0477 910 777
    E: trish.adams@rams.com.au

     David Campbell_RAMS Hawkesbury  Corinne_RAMS Hawkesbury
    David Campbell
    Home Loan Manager
    M: 0403 406 710
    E: david_campbell@rams.com.au
    Corinne Wheelwright
    Home Loan Manager
    M: 0421 341 906
    E: corinne.wheelwright@rams.com.au


    RAMS Hawkesbury/Blue Mountains in the community

    RAMS is a national home loan provider with local expertise. You'll find no one better to speak to when it comes to financing property in our local area. We're part of your community; here to serve local people - whatever your situation.
    So whether you're considering buying your first home, or are ready to purchase again, RAMS can help.

    Our proud Lego competition winner from the Hawkesbury show in May.

    Hawkesbury lego winner_2019

    RAMS Hawkesbury/Blue Mountains celebrating International Women's Day with Women with Altitude.

    International Women's Day

    RAMS Hawkesbury / Blue Mountains are proud supporters of the annual camp quality charity race that LJ Hooker Richmond participate in each year to raise money for children and their families living with cancer.
    Camp Quality Race

    This year RAMS Hawkesbury/Blue Mountains were delighted to be part of the Hawkesbury Show and Raymond the RAM gave it his all at the annual mascot race.
    Hawkesbury Show

  • What our customers have to say

    • Buying a property can be overwhelming, but Anne really made the process stress free. We had a fairly challenging set of circumstances, but Anne knew exactly how to help us, what documentation we needed and what was the best loan for our situation. Anne really went above and beyond; she made out-of-hours visits to us, and her advice was only a phone-call away. Anne treated us like friends, not customers, and I highly recommend her professional and personalised service.
    • Jeremy at RAMS Hawkesbury worked tirelessly to get us over the line with the amount we needed to purchase our dream first home.  We engaged Hawkesbury RAMS when we re-mortgaged 3 years later to enable the purchase of a pool and new family car and again the service and end result were exceptional. Finally, we have just completed restructuring our mortgage resulting in a much reduced interest rate and again Jeremy and the team were flawless from start to finish.
      Tom & Danielle
    • It was very comforting to know that we had such a knowledgeable, professional team to help us through the home buying process. We very much appreciated your help and rest assured we will recommend you to anyone we know that is looking for a home loan provider. We found your services to be very professional. Thank you so much, Justin & Shane, for making this process as simple as possible, for always being available for questions. We so appreciate your responsiveness and integrity.
      T&J Emmanuel
  • 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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    2 year fixed rate home page with CTA


    Essential tile with button


    Refi rebate tile - with CTA


  • More information: 

    Fixed Rate Classic Home Loan

    Credit criteria, fees and charges apply. These rates are current as at 16 May 2020 and are available to new and existing customers. We will apply the fixed rate that is available at the loan settlement date or the date the fixed rate period commences, unless the customer locks a fixed rate in on the loan using our Fixed Rate Lock-in feature (conditions apply). The Fixed Rate Lock-in fee is 0.15% of the fixed loan amount. At the end of the fixed rate period the interest rate will convert to the applicable variable home loan rate.

    *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 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. 

    $2,000 Refinance Cashback

    Credit criteria, fees and charges apply.1 Offer is current as at 28 February 2020 and may be varied or withdrawn at any time. For new refinance applications received between 28 February 2020 to 30 June 2020 and settle by 31 August 2020. Offer available on the Essential Home Loan, Full Feature and Fixed rate home loan products (excludes Line of Credit) Owner Occupier with Principal and Interest repayments and Investment Loans. $250k min loan per property refinanced. Only 1 cashback per customer with the predominant purpose is refinance will be paid regardless of the number of loans involved. Excludes Line of Credit Loans, switches and refinances of home loans within the Westpac Group which include St.George, Westpac, Bank of Melbourne, BankSA. Offer not available for Owner Occupier Interest Only loans or residential lending originated under family or company trusts. Not available to company and trust borrowers. The offer is limited to one rebate per eligible customer. Split loans are counted as one settled home loan regardless of the number of splits. Rebate will be automatically deposited into the home loan account within 60 days after settlement. If the home loan has a fixed interest rate, the rebate will count towards the prepayment threshold.